Home loan balance transfer and refinance

A balance transfer is worth doing when the interest you save clearly exceeds the cost of switching. We run that number for you before recommending anything.

Typical rate gap
0.5%–1.5%
Switch time
2–4 weeks
Top-up
Available with transfer

Get a free loan quote

Share a few details and we will call you back the same working day.

Or call +91 98927 44744 · Mon – Sat, 10:00 am – 7:00 pm

When a transfer makes sense

Check these before you move.

  • Your rate is at least 0.5% above what the same lender offers new borrowers
  • You still have more than 8–10 years left, so the saving has time to build
  • You have paid EMIs on time for 12 months — that gets you better pricing
  • You also want a top-up, which can be clubbed into the transfer

Costs to weigh against the saving

Expect processing fees, legal and valuation charges, stamp duty on the new mortgage in Maharashtra and a small overlap of interest. Floating-rate home loans carry no prepayment or foreclosure penalty for individual borrowers.

Home Loan Balance Transfer — frequently asked questions

EMI calculator

Know your monthly EMI before you apply

Move the sliders to see how loan amount, interest rate and tenure change your EMI.

₹50.0 L
₹5 L₹5 Cr
8.50% p.a.
7%16%
20 years
1 yr30 yrs

Monthly EMI

₹43,391

48% principal · 52% interest over the full term

Principal
₹50,00,000
Total interest
₹54,13,879
Total payable
₹1,04,13,879
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How it works

Four steps from enquiry to keys

  1. 01

    Share your requirement

    Call, WhatsApp or fill the form. We understand your income, property and budget.

  2. 02

    Document check

    We collect and verify your papers, then fix any gaps before the file goes out.

  3. 03

    Best bank match

    We place your file with the lenders offering you the best rate and highest eligibility.

  4. 04

    Sanction & disbursal

    Legal, valuation and registration follow-ups handled till the money reaches the seller.

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Look through the home loan options available in your city — we serve 49 cities across India.

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