Ran my loan across five banks and let them compete. Shaved 35 basis points off the rate I'd been quoted directly.
N. ReddyHome Loan · Dwarka Expressway
Financial Support
The loan is a
negotiation, not a form.
Rate, tenure, processing fee, prepayment terms and the valuation the bank places on your property — all of it has room in it. Most buyers accept the first offer they're given and never find out what else was possible.
We put your file in front of several banks and NBFCs at once and let them compete. And because we take no commission from any of them, the recommendation reflects your file — not an arrangement behind it.
Multi-lenderThey compete, you choose
No commissionFrom any bank
End-to-endEligibility to disbursal
Why It Matters
A quarter-point over
twenty years is real money.
On a ₹2 crore loan, 25 basis points off the rate is several lakh over the life of the loan. The processing fee is waivable more often than people realise. The bank's own valuer can be challenged. None of this is offered — it's negotiated.
A borrower approaching one bank has no leverage. The same borrower with three competing sanction letters has all of it. Our job is to create the second situation.
We're not tied to a lender and take no fee from one, so we've no reason to steer you anywhere but the sharpest offer your profile can command.
RateNegotiated, not accepted
FeesWaived where possible
ValuationContested when low
What We Arrange
Financing for every
kind of purchase
01
Home Loans
First home or luxury upgrade — fixed or floating, matched to the lender most likely to approve your profile at the best rate.
02
Commercial Loans
Offices, retail, SCO and mixed-use, structured around the asset's cash flow rather than a standard salaried template.
03
Construction Finance
Building an independent home, villa or redevelopment — drawdown-linked funding coordinated with your build schedule.
04
Loan Against Property
Unlock capital from an asset you already own for business, acquisition or consolidation, without selling it.
05
Balance Transfer
Move an existing loan to sharper terms — we run the cost-benefit including fees, so a lower rate is actually a saving.
06
NRI & Non-Standard Files
Self-employed, NRI, or complex income — the files banks find awkward are the ones where good structuring matters most.
EMI Calculator
See the monthly number
before you apply.
A quick estimate of your EMI, total interest and overall cost. Move the sliders — it updates live. Indicative only; your actual rate depends on the lender and your profile.
₹10 L₹10 Cr
6%12%
1 yr30 yrs
Monthly EMI
₹1,30,168
₹1.62 CrTotal interest
₹3.12 CrTotal payable
Estimates only and not an offer of finance. Actual rates, fees and eligibility are determined by the lender.
How We Work
One file, several
banks, competing.
You brief us once. We package the file properly, take it to the lenders most likely to say yes on good terms, and bring back offers you can compare side by side.
Eligibility pre-assessment
Profile & income structuring
Lender shortlisting
Multi-bank submission
Rate negotiation
Processing-fee waivers
Valuation support
Sanction-letter comparison
Balance-transfer analysis
Documentation coordination
Disbursement tracking
Post-approval assistance
We can't approve your loan. We can make the banks want to.
We don't guarantee approval — no one honestly can.
Approval sits with the lender's own credit policy. What we control is how well your file is prepared and how many good lenders see it. That's usually the difference between a yes and a no.
Lending Network
The banks and NBFCs
we take your file to
Which lender suits you depends on your eligibility, the property, the loan size and your profile — not on any relationship of ours.
HDFC BankICICI BankState Bank of IndiaAxis BankKotak MahindraPunjab National BankBank of BarodaLIC Housing FinanceBajaj Housing FinanceTata CapitalAditya Birla Housing
HDFC BankICICI BankState Bank of IndiaAxis BankKotak MahindraPunjab National BankBank of BarodaLIC Housing FinanceBajaj Housing FinanceTata CapitalAditya Birla Housing
The Process
From eligibility
to disbursement
Four stages. You stay out of bank queues; we do the running and bring you offers to choose between.
01
Eligibility Check
Income, obligations, credit score and property together determine what you can borrow and on what terms. We assess it before anything is submitted, so there are no surprises.
Income & obligationsCredit scoreProperty valuationBorrowing capacity
02
File & Submit
We package the documentation to each lender's standard and submit to a shortlist simultaneously — not one after another.
DocumentationMulti-bank submissionProfile structuring
03
Negotiate & Compare
As sanctions come back, we negotiate rate and fees and lay the offers side by side — so you're choosing on real numbers, not a sales pitch.
Rate negotiationFee waiversSanction comparison
04
Disburse
Once you've chosen, we coordinate valuation, legal and disbursement through to money in the account — and stay on for anything after.
ValuationLegal formalitiesDisbursementPost-approval support
Who We Help
Salaried, self-employed,
or somewhere between
The straightforward files any bank will take. The awkward ones are where we earn our keep.
Home Buyers
First home or upgrade, salaried or self-employed.
Business Owners
Commercial finance and LAP structured around cash flow.
Investors
Leverage that keeps a portfolio's returns intact.
NRIs
Eligible overseas buyers, coordinated remotely.FAQs
Frequently asked questions
Something not covered here? A financial advisor responds directly — usually the same day.
Ask us01Can you guarantee my loan will be approved?
No — and be wary of anyone who does. Approval is entirely at the lender's discretion under their own credit policy. What we control is how well your file is prepared and how many suitable lenders consider it, which is usually what tips a marginal case.
02Do I pay you for loan assistance?
It depends on the engagement, and we'll explain exactly how it works before you commit to anything. What we don't do is take a hidden commission from a bank in exchange for steering you there — so the advice stays honest.
03Which bank has the lowest rate?
There's no single answer — it moves with your profile, loan size, tenure and the market that week. That's the whole reason to run several lenders at once rather than guess. We surface the sharpest offer your file can actually command.
04Can I transfer my existing loan?
Often, yes. We compare your current rate against fresh offers including all transfer costs, so a lower headline rate is a genuine saving and not just a number. If it doesn't pay, we'll tell you to stay put.
05Do you help self-employed and NRI applicants?
Yes — those are frequently the files that benefit most from proper structuring. We know which lenders are comfortable with non-standard income and how to present the file so it's assessed fairly.
06Is the EMI calculator accurate?
It's a good indicative estimate for planning, using standard reducing-balance maths. Your actual EMI depends on the sanctioned rate, fees and tenure, which are confirmed by the lender at approval.
Testimonials
What clients say
Self-employed, so three banks had already said no. They restructured how the file was presented and the fourth said yes.
A. JainSelf-employed · Golf Course Ext
Got the processing fee waived entirely — something I didn't even know was negotiable.
S. KapoorHome Loan · SPR
The balance-transfer analysis included every cost. They told me one option looked cheaper but wasn't, and to stay put.
V. KhannaBalance Transfer · DLF Phase 4
Contested the bank's low valuation with a proper comparison and got my sanction amount raised.
R. SabharwalCommercial · Sohna Road
Arranged my NRI home loan from Dubai without a single branch visit. Everything coordinated remotely.
F. MerchantNRI · Golf Course Road
Get a Funding Assessment
Let the banks
compete for your file.
Send us the basics — loan size, the property, and whether you're salaried, self-employed or an NRI. We'll come back with what your profile can command, and take it to the lenders from there.
Advising beyond transactions.