A home loan that fits your income, not the bank's monthly target.

Buying a flat, building on your own plot, or finishing a house that's half done — each is a different loan product, and each bank prices them differently. We find the lender where your profile is strongest and your total cost is lowest.

family outside their newly built homePhoto: family outside their newly built homeRecommended 1000 × 1200 px

What we put side by side

  • Interest rate and how it is linked (repo-linked or not)
  • Processing fee, legal and valuation charges
  • Insurance the bank adds to the loan
  • Maximum tenure for your age and income

Purchase, construction, extension or renovation.

Four kinds of home loan, each priced and processed differently. We match yours to the lender that does it best.

Purchase loan

For buying a ready flat, an independent house or a resale property. The loan is based on the agreement value, after the lender checks the property legally and technically.

Usually needsSale agreementTitle deed and prior deedsEncumbrance certificate

Construction loan

For building a house on land you already own, or buying a plot and building on it. The money is released in stages as the work progresses, after the bank engineer inspects the site.

Usually needsApproved building planBuilding permitEngineer's cost estimate

Extension loan

For adding an extra floor, more rooms or extra built-up area to a house you already own. Usually released against the estimate and the revised approved plan.

Usually needsRevised approved planPermit for the extensionCost estimate

Renovation loan

For repairs and upgrades: roofing, flooring, plumbing, wiring, painting or a new kitchen. Some lenders call it a home improvement loan.

Usually needsContractor or engineer estimateProperty documentsPhotos of the current condition

Not sure which one fits? Tell us what you're planning and we'll point you to the right loan.

Who it suits

  • Buying a ready flat or independent house
  • Construction on land you already own
  • Buying a plot and building on it
  • NRIs buying or building back home in Kerala
  • Top-up on an existing home loan for renovation

Everything we compare

So you see the real cost, not just the rate.

  • Interest rate and how it is linked (repo-linked or not)
  • Processing fee, legal and valuation charges
  • Insurance the bank adds to the loan
  • Maximum tenure for your age and income
  • How the lender treats your second income or rental income

Documents usually asked for

You don't need these to start. We'll give you the exact list once you choose a lender.

PAN and Aadhaar of all applicants
Income proof: salary slips and Form 16, or ITRs for self-employed
Last 6–12 months of bank statements
Property documents: title deed, encumbrance certificate, possession and tax receipts
Approved building plan and permit from the panchayat or municipality

Home loan EMI calculator

Up to 30 years. See the EMI and roughly what income lenders will look for.

₹5 L₹5 Cr
1 yr30 yrs
6.00%15.00%

Rates shown are examples. Your actual rate depends on your profile and the lender.

Monthly EMI

₹38,801

Principal₹50 L
Total interest₹89.68 L
Total payable₹1.4 Cr

Lenders usually want your EMIs to stay within about half your take-home pay. For this EMI, that means a monthly income of around ₹77,601.

How we handle your home loan.

You decide at every step. Nothing goes to a lender without your yes.

1

Share the basics

On a call or WhatsApp.

Need ₹8 lakh for a used car. Thrissur.
2

We check eligibility

Before any lender sees your file.

CIBIL 762
Eligible at 3 lenders
3

You pick the offer

With the full cost shown.

Lender B8.60%
Lender A9.15%
4

We follow through

Until disbursal.

✓Submitted
✓Verified
✓Sanctioned
✓Disbursed

Home loan questions

Something else on your mind? See all FAQs or call us.

Can I get a loan to build on land I already own?

Yes. Most banks offer construction loans released in stages as the building progresses. Your plan approval and building permit need to be in order first.

I'm working abroad. Can I apply from there?

Yes. NRI home loans are common in Kerala. You can sign through a power of attorney here, and we coordinate the branch work while you're away.

Is it worth moving my current home loan?

Often, if your rate is well above what new borrowers get. We calculate the saving after all switching costs before recommending it.

No fee unless your loan is approved.

Nothing to pay for the enquiry, the eligibility check, the bank comparison or the paperwork. Our minimal service fee applies only after the loan is sanctioned and the money reaches you.

Find out where your home loan costs least.

Send the basics on WhatsApp. We usually reply within the working day.

Loan MasterUsually replies within the working day
Hi, I need a home loan of ₹50 lakh. Salaried, Thrissur.10:24
നമസ്കാരം! Please share your monthly income and any running EMIs. We'll check where you qualify.10:31
Scroll to Top