Apply now
Home loans · Bengaluru

Home loan advice that takes your side.

A home loan runs for fifteen or twenty years. A small difference in the rate becomes a large amount over that time, so it is worth understanding properly before you decide. Our advice is free.

Apply for a loan Check my eligibility Message us on WhatsApp
  • Free advice, no fee to you
  • No documents needed for an answer
  • Decades of experience behind every call
Two ways we help

The right loan, or a better one than you have.

Most people come to us at one of two moments. Both matter equally, and neither should be rushed.

Buying a home

Getting the right loan the first time

The rate you sign at stays with you for twenty years. It is worth knowing what your profile should command before anyone quotes you a number.

  • What rate your profile should command, before you talk to anyone
  • Fixed versus floating, in plain terms
  • Whether waiting a few months would materially improve your offer
  • What the total cost looks like, not just the EMI
Check my eligibility →
Already have a loan

Finding out if you're still on a fair rate

Rates move and credit profiles improve, and your existing lender has little reason to raise either. A short check will tell you whether it is worth acting on.

  • What you're paying versus what's available today
  • Whether your own bank should be asked to re-price first
  • The all-in cost of moving, not just the headline rate
  • Whether the saving justifies the switching costs
Check my current loan →
Every answer, three ways

“Should I move my home loan?”

Over a twenty-year loan the answer is worth getting right. There are three, and we give whichever one your numbers support.

1

Keep your current loan

Your rate is already competitive, or too few years remain for a switch to recover its costs.

2

Ask your own bank first

There is a gap, but a narrow one. Many lenders will re-price an existing loan rather than lose it. We will show you how to make that request.

3

Move to a better rate

The gap is wide enough to clear all the switching costs and leave you meaningfully better off. Here's the arithmetic.

We show you the arithmetic behind whichever answer applies, so you can check it yourself.

Where most people lose money

A good credit score should be rewarded.

You did the work. You paid on time for years. That should show up in your interest rate — and very often it simply doesn't, because nobody re-checks after the loan is signed.

Your score decides your rate

It's the single biggest factor in what any lender offers you. Above 750, the best pricing opens up. Most people have never seen their own number.

Checking it yourself costs nothing

Checking your own score is a soft enquiry and doesn't affect it. Only a lender's check counts as hard. You get one free report a year.

There is no rush

If your profile isn't ready, waiting and strengthening it beats taking an expensive loan today. We'll tell you what to fix and how long it takes.

Our lending partners

Our partner lenders.

We're an authorised distribution partner for the following lenders, currently for home loans and home loan balance transfer.

State Bank of India
Public sector bank
Union Bank of India
Public sector bank
Kotak Mahindra Bank
Private sector bank
L&T Finance
NBFC

Our advice is limited to these lenders. We review your profile against each of them and recommend the one that suits your situation, with the reasoning set out.

How it works

What happens, step by step.

Different starting points need different work. Pick whichever describes you.

1

Tell us about you

Income, employment, existing EMIs, the property you're looking at, and roughly what you need to borrow.

2

We review your profile

What rate your profile should command, which lenders will take the file, and anything worth fixing before you apply.

3

We advise on the right product

Fixed or floating, the tenure that suits you, and which of our lenders fits your situation — with the reasoning shown.

4

We handle the application

Documents collected at your doorstep, the file submitted, and we stay with it until disbursal.

If your profile isn't ready yet, we'll tell you what to fix and roughly how long it takes — rather than pushing you into an expensive loan today.

1

Tell us four things

Outstanding amount, current rate, years remaining, rough property value. That's all we need.

2

We run the numbers

We check your position against all four lenders, including every switching cost.

3

You get one of three answers

Stay, ask your bank, or move — with the arithmetic shown so you can check it yourself.

4

Only then, paperwork

If moving makes sense and you want to go ahead, we handle the application. If not, you owe us nothing.

No account, no upload. Documents only come later, if and when you decide to proceed.

Apply · three short steps

Start your loan application.

Tell us who you are and where the property is, and see the options that fit you. No documents at this stage, and we remember you on this device.

  1. 1Your details
  2. 2Property area
  3. 3Your options

What do you need help with?

Choose one. You can change it later.

+91
We'll remember you on this device, so next time you go straight to your options.

Where is the property?

We'll check whether our partner lenders cover this area.

Continue on WhatsApp

Availability depends on our partner lenders' coverage for the pincode. Options shown are indicative and are not a loan offer. Any rate and terms are set by the lender after their own assessment.

Talk to a person

Rather just discuss it?

Call us, message us on WhatsApp, or leave your number below. No sales script, no pressure to proceed.

Call +91 95385 79955 Mon–Sat, 9:00–6:30 WhatsApp +91 80956 71355 A real person, not a bot
Questions

The things people actually ask.

Nothing. The advice, the check and the application handling are all free. The lender pays us a distribution fee when a loan goes through, and this does not change your interest rate or any charge you pay. Full details are at the bottom of every page.
Not to get an answer. The free check needs four numbers you already know. Documents come later, only if you decide to apply — the lender needs them then, just as they would at a branch.
No. Checking your own score is a soft enquiry and has no effect on it. Only a lender's check counts as hard. You get one free report a year from each bureau — most people never claim it.
These are the lenders we hold formal distribution agreements with. Our advice is limited to their products, which may not represent every option available in the market. We review your profile against each of them and recommend the one that suits your situation.
Then that is the answer, and it costs you nothing to find out. Usually it is because too few years remain, or the saving does not cover the switching costs. We will show you the arithmetic and explain what would need to change for a transfer to make sense.
We collect only what's needed to advise you and we never sell it. We share it with a lender only when you ask us to apply to that lender. Documents are deleted after 30 days, and you can ask us to delete everything at any time. Full detail in our Privacy Policy.
No. We're a loan distribution partner, sometimes called a DSA. We don't lend money and no funds pass through us — the lender disburses directly to you or the seller, and your loan agreement is with them.