Every lender in the running. You take the lowest rate.
Home loan, balance transfer, top-up or loan against property. No processing fee, no add-ons pushed, paperwork handled.
- Private bank
- Housing finance company
- Public-sector bankYour best rate
- NBFCWon't lend on this property
- Private bank
- Small finance bank
Illustration. Shorter bar, lower rate. No lender names or live rates are shown.
₹0 processing fee
Either the lender doesn't charge one, or we get it waived in full. It never comes out of your pocket or your loan amount.
No add-ons pushed
No bundled insurance, credit cards or investment plans. Your loan is sanctioned on your profile, not on what else you buy.
100% best rate
The best rate from any lender eligible for that property. Your file goes to every one of them, and you take the lowest.
Paperwork, end to end
Documents, submissions, follow-ups, sanction and disbursal. We collect, file and chase. You sign.
Lenders across our partner network
- Kotak Mahindra Bank
- Bank of India
- Central Bank of India
- LIC Housing Finance
- Bajaj Housing Finance
Who can lend depends on your profile and the property. Logos are trademarks of their owners, shown for identification only.
Home loans, compared before you commit
Buy with the lender that actually fits your profile, not just the first one you spoke to.
- Tenure up to 30 years
- No prepayment penalty on floating-rate loans
- No processing fee, no add-on products pushed
- Monthly EMI
- Total interest
- Total payable
Like what you see? Get real offers against your actual profile.
Check eligibility for Home LoanSee what switching could actually save you
Move your existing home loan to a lower rate without changing your home.
- Lower your rate without disturbing the property
- Combine with a top-up if you need extra funds too
- No cost to check. Only switch if the math works
- Current EMI
- EMI at new rate
- Monthly savings
- Total interest saved
Indicative only. Assumes the same tenure at both rates. Actual savings depend on the new lender's fees and terms.
Like what you see? Get real offers against your actual profile.
Check eligibility for Balance TransferBorrow more against a loan you already have
Often available at home-loan rates rather than personal-loan rates, against a property already assessed.
- Use it for renovation, another purchase, or anything else. Most lenders don't ask
- Usually faster than a fresh loan since the property is already on file
- Indicative eligibility in seconds, below
- Indicative top-up available
- Estimated EMI on that amount
Indicative only, at an assumed 9% rate up to 75% of property value minus what's outstanding. Actual eligibility depends on the lender's income and property assessment.
Like what you see? Get real offers against your actual profile.
Check eligibility for Top-up LoanUnlock funds against a property you already own
Typically lower rates than an unsecured loan, since the property is collateral.
- Use the funds for anything: business, education, another purchase
- Property stays yours through the loan tenure
- Indicative eligible amount in seconds, below
- Indicative eligible amount
- Estimated EMI at that amount
Indicative only, up to 60% of property value. Actual eligibility depends on the lender's income and property assessment.
Like what you see? Get real offers against your actual profile.
Check eligibility for Loan Against Property
- ₹0 processing fee
- No add-ons pushed
- 100% best rate on your property
- Paperwork handled end to end
Get matched with real offers
Free, no obligation. Our loan desk puts your file to every lender eligible for your property and calls you back with the best rate on offer, 100% of the time. A real person, real offers, no on-screen guesswork.
Thanks, we're on it
Our loan desk will compare offers across relai's lending network and call you back on the number you shared.
From form to disbursal.
Tell us what you need
Loan type, amount, and a couple of profile questions. Two minutes, right here on the page.
We compare across the network
Your profile gets checked against relai's lending network of 50+ banks and NBFCs for the offers that actually fit, not just the one with the biggest ad budget.
Documentation, handled
Paperwork collection and follow-ups with the lender's team happen on our side. You sign; you don't chase.
Sanction & disbursal
We track the file until the loan is sanctioned and disbursed, and flag anything that's likely to slow it down before it does.
relai's network, or one bank.
Asked all the time.
Is relai a lender?
No. relai does not lend money or decide approvals. We compare offers across our lending network and connect you with the lender's team. The loan itself is issued by that bank or NBFC, under their terms.
Does relai charge me for this?
No. relai is free for buyers on every part of the journey, including loan assistance. Our lending partners compensate us; you don't pay relai anything for this service.
Which banks or lenders do you work with?
A network of public sector banks, private banks and housing finance companies, including the lenders shown on this page. Which of them can lend on your loan depends on your profile and the property, and your advisor will tell you exactly who is in the running once they see your eligibility.
Is there a processing fee?
No. Either the lender doesn't charge one on your loan, or we get it waived in full. You won't see it deducted from your loan amount either.
Will I have to buy insurance or another product to get the loan?
No. We don't bundle or push insurance, credit cards or investment plans. If a lender insists on an add-on as a condition, we tell you and take your file elsewhere.
How do I know it's the best rate?
Your file goes to every lender eligible to lend on that specific property, and you see what each one offers. You get the best rate on offer, 100% of the time, not the one a single bank chose to quote.
Will checking eligibility affect my credit score?
An initial eligibility check is typically a soft check and does not affect your score. A hard credit pull only happens once you decide to proceed with a specific lender's application.
What's the difference between a top-up loan and a balance transfer?
A balance transfer moves your existing loan to a new lender, usually for a lower rate. A top-up adds extra borrowing on top of a loan you keep with your current (or a new) lender. You can often do both together.
What can I use a Loan Against Property for?
Anything: business needs, education, medical expenses, another property purchase. Lenders don't usually restrict end-use the way they do for a fresh home loan.
How long does approval take?
It depends on your documentation and the lender, but our team's job is to keep the file moving; your advisor will give you a realistic timeline once your documents are in.