Unlock Your Property's
True Potential.
High-value Loan Against Property (LAP) for Residential, Commercial, and Industrial assets.
Smart Capital.
Solid Backing.
Leverage your real estate to raise funds up to ₹15 Crores. Enjoy longer tenures, lower EMIs, and maximum Loan-to-Value (LTV) through our network of top Indian banks.
Flexible repayment options to keep your monthly EMIs exceptionally low.
Acceptable Asset Classes
We provide Loan Against Property solutions across a diverse range of real estate assets.
Residential LAP
Highest LTVMortgage your self-occupied or vacant residential flat, bungalow, or independent house. This category offers the highest Loan-to-Value ratio and the lowest interest rates.
Commercial LAP
Business FocusPledge your commercial shop, office space, or retail showroom. An excellent way for SME owners to extract massive working capital from their business premises.
Industrial LAP
SpecializedLeverage your factory sheds, manufacturing units, godowns, and warehouses. We partner with specialized NBFCs that understand industrial property valuations.
Lease Rental Discounting (LRD)
Cash Flow BackedHave a property rented out to a corporate or reputed tenant? Get a term loan by discounting the future rental receipts. The rent directly pays off the EMI.
Why Take a Property Loan?
A Loan Against Property offers unmatched flexibility. Unlike a Home Loan, the funds can be used for any legitimate personal or business need.
Business Expansion
Inject massive working capital, buy new machinery, or open a new branch without diluting equity.
Debt Consolidation
Pay off multiple high-interest unsecured business or personal loans with a single, low-interest LAP.
Higher Education
Fund overseas education for your children comfortably with longer repayment tenures.
Medical / Wedding
Secure high-value funding for large family weddings or unforeseen medical emergencies.
The Underwriting DNA
Securing a LAP requires a balance of financial health and property integrity. Here is how banks evaluate your file.
Technical Valuation
Bank-approved valuers assess the fair market and realizable value of your property to determine the maximum loan amount.
Legal Title Search
A strict 13-to-30 year Title Search Report (TSR) ensures the property is free from disputes, encumbrances, or illegal construction.
FOIR / DSCR
We ensure your net income (Salaried) or business profit (DSCR) is sufficient to handle the new EMI burden comfortably.
Co-Applicant Support
All co-owners of the property must be co-applicants. Adding an earning family member can boost your loan eligibility.
LAP Documentation.
A complete checklist ensuring a fast, frictionless technical and legal clearance.
Mandatory Property Papers
Required for Legal and Technical processing.
- Registered Sale Deed / Title Deed (Present & Previous Chain).
- Approved Sanction Plan / Building Blueprint.
- Occupancy Certificate (OC) / Completion Certificate (CC).
- Latest Property Tax Receipt & Maintenance Bill.
- Society NOC (If applicable).
- Index II / Mutation Extract / 7-12 Extract.
Financial & KYC Papers
Proof of repayment capacity and identity.
- PAN Card & Aadhaar Card (All applicants/co-owners).
- If Salaried: Last 3 months Salary Slips & 2 years Form 16.
- If Self-Employed: Last 3 years ITR with Computation, P&L, and Balance Sheet.
- Banking: Last 6-12 Months primary Bank Statement.
- Business Registration Proof (GST/Udyam - For business owners).
- Ongoing Loan Sanction Letters (if any).
Paying High Interest?
Switch to BT + Top-Up.
If your current LAP interest rate is above 12-14%, you are losing money. We help you transfer your loan to a top tier bank at a lower rate, and release additional funds based on your property's appreciated value.
- 📉
Slash Your EMI
A lower interest rate significantly reduces your monthly cash outflow.
- 💰
Release Blocked Equity
Property values rise over time. A Top-Up loan gives you access to cash based on the new market valuation.
BT + Top-Up Requirements
- ✔️ Existing loan vintage of minimum 12 months.
- ✔️ Clean repayment track record (0-1 bounce max).
- ✔️ List of Documents (LOD) & Foreclosure Letter from current bank.
LAP Forecaster
Calculate your potential EMI based on your required property loan amount.
Unlock Your
Property Value.
Submit your property details. Our mortgage experts will connect with you to evaluate maximum eligibility and lowest rates.
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Mortgage Q&A
Premium Mortgage Partners.
One step for multiple services. We have strategic tie-ups with India's most trusted Banks and NBFCs to ensure your loan gets sanctioned seamlessly.
