The Basics

What is a Mortgage Loan?

A Mortgage Loan, often referred to as a Loan Against Property (LAP), is a secured loan provided against the security of your residential or commercial property. Unlike a home loan used to buy property, a mortgage loan allows you to unlock the dormant value of your existing real estate.

The funds obtained through a mortgage loan can be used for any purpose—from expanding your business and funding higher education to meeting sudden medical expenses.

Are You Eligible?

Eligibility Criteria

Self-employed individuals and Salaried professionals
Property should be in a bank-approved location
Property must have a clear, marketable title
Age between 21 to 65 years at the time of maturity
📊
CIBIL Score
700+
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Max LTV
70%
🏢
Min. Property Value
₹15 Lakhs
Max Tenure
15 Years
Mortgage Options

Mortgage Loan Types

Choose the right specialized mortgage solution based on your asset and financial goals.

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Residential LAP

Unleash the equity in your self-occupied or rented residential property (house, flat, or apartment) to meet high-value financial requirements.

LTV Up to 65%
Tenure 15 Yrs
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Commercial

Leverage your commercial assets like office spaces, shops, or warehouses. This also includes funding for purchasing new commercial property.

LTV Up to 60%
Interest Competitive
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Plot/Land LAP

Get liquidity against your urban plots or land parcels. We provide customized solutions for owned plots in bank-approved layouts.

LTV Up to 50%
Asset Class Urban Plots
The Journey

Mortgage Loan Process

01

Check Eligibility & Loan Amount

Quick assessment based on your income, property type, and existing obligations.

02

Submit Application & Documents

Submit your KYC, income proofs, and property documents for processing.

03

Property Valuation

External experts perform a physical audit to determine current market value.

04

Legal & Technical Verification

Verification of title deeds and technical feasibility by bank-appointed lawyers.

05

Loan Sanction & Offer Letter

Receive formal approval with specified interest rates, tenure, and terms.

06

Mortgage Registration & Disbursal

Execution of loan agreement, registration of mortgage, and fund transfer.

Got Questions?

Frequently Asked Questions

Common questions about mortgage loans answered clearly and honestly.

Still not sure?

Our mortgage advisors are available Mon–Sat, 9 AM – 7 PM.

loandeskofc@gmail.com +91 81975 79562 +91 99453 00216

Unlock Your Property's Value

Submit your property details and get a quick valuation estimate within 24 hours.

Apply for Mortgage Loan