Can I get a LAP on a property that already carries a home loan?

Yes — in some cases a second mortgage is possible, subject to the lender's combined LTV limits. Alternatively, we can refinance the existing mortgage and add a LAP component in a single consolidated transaction, which often results in better blended pricing and a cleaner liability structure.

Can we cross-collateralise multiple properties to access a larger facility?

Yes. Where a single property's LTV is insufficient, we structure cross-collateralisation across two or more properties under a single LAP facility. This is particularly relevant for business owners with a portfolio of residential and commercial assets who need a larger capital line than any single property can support.

Are there restrictions on how LAP funds are deployed?

Most residential LAP products have no end-use restrictions. Commercial LAP may carry lender-specific conditions. We advise on the optimal product structure — and where necessary, the most appropriate documentation of fund deployment — before application.

MORTGAGE SOLUTIONS

Loan Against Property

Access up to 70% of institutional property valuation — without liquidating an asset. Structured for strategic capital deployment, portfolio consolidation, and business succession. Rates from 9.5% p.a., tenures up to 15 years.

70%

Max LTV on Valuation

9.5%

Rates From (p.a.)

15 yrs

Maximum Tenure

OVERVIEW

Unlock the Value in Your Property

A Loan Against Property (LAP) allows you to deploy the equity embedded in a residential or commercial property without liquidating an asset that may be appreciating or carrying strategic value. For business owners and promoters, LAP is frequently the most capital-efficient instrument for strategic acquisitions, portfolio leverage, consolidating multiple property mortgages, or funding business succession and buyout events.

Typical LAP rates range from 9.5% to 12% p.a. — substantially lower than unsecured business loans — with tenures of up to 15 years that preserve operating cash flow. We assess your property portfolio's institutional valuation, identify lenders offering the highest LTV for your specific property type and usage, and manage the end-to-end process including valuation coordination, legal vetting, and disbursement.

Our panel covers both residential LAP (premium apartments, independent houses, farmhouses) and commercial LAP (office spaces, retail units, warehouses). We also structure cross-collateralisation across multiple properties where a single asset's LTV is insufficient for the required facility.

WHAT'S INCLUDED

Key Features

Residential & Commercial Property

LAP available on apartments, independent houses, builder floors, office spaces, and retail units. Both self-occupied and rented properties qualify.

Up to 70% LTV

We identify lenders offering the highest loan-to-value ratio for your specific property type and location, maximising the capital available to you.

Rates from 9.5% p.a.

LAP rates are substantially lower than unsecured business loans or personal loans. On a ₹1 Cr LAP, this can mean savings of ₹3–5 lakhs annually versus alternatives.

Tenures Up to 15 Years

Longer repayment periods keep monthly EMIs affordable, preserving your cash flow for business operations or other financial commitments.

End-to-End Coordination

We arrange independent property valuation, legal title vetting, and lender document submission — you do not have to manage multiple agencies.

Top-Up & Balance Transfer

Existing LAP borrowers can top up their loan or transfer to a lower-rate lender. We identify the optimal window and manage the switch.

PARTNERS

OUR PROCESS

How We Work

A clear, structured approach from your first consultation to ongoing support.

Property & Income Assessment

We review your property documents (title deed, encumbrance certificate) and income profile to estimate the maximum loan amount available to you.

Lender Shortlisting

We identify the top three lenders offering the best combination of LTV, rate, and processing timelines for your property type and usage.

Valuation & Legal Vetting

We coordinate an independent technical valuation and legal title opinion on your property — a prerequisite for all LAP applications.

Submission & Disbursement

Complete application file submitted to your chosen lender. We manage all lender queries through to disbursement, typically within 10–15 working days of valuation.