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Home Loan Consultants — Pan India
Get Your Home Loan Approved — At the Best Rate, Without the Stress
Whether you're buying your first home, shifting lenders, or building from scratch — we find you the right loan, handle every document, and stay with you until you get your keys.
Or call us: +91 9607019050
Your details are confidential · No spam · No obligation
Check your eligibility — free
30 seconds. No documents needed yet.
What is this?
Understanding Home Loans — in plain English
A home loan is a secured loan where the property you're buying serves as collateral. The lender funds 75–90% of the property value, and you repay in monthly EMIs over a tenure of up to 30 years.
What most people don't realise is that the rate you're offered depends heavily on who presents your application — and to which lender. The same borrower can get rates varying by 0.5–1.5% depending on approach. On ₹50 lakh over 20 years, that difference is over ₹6 lakh in total interest.
Who Qualifies
Are You Eligible? Check in 30 Seconds.
If you're salaried
- Age 23–65 years at loan maturity
- Minimum net monthly income ₹25,000
- Minimum 2 years of employment history
- CIBIL score 700+ preferred (650+ with right lender)
- Property in approved locations
If you're self-employed
- Age 25–70 years at loan maturity
- Business vintage minimum 3 years
- Consistent ITR for last 2–3 years
- Minimum annual income ₹3 lakh as per ITR
- CIBIL score 700+ preferred (650+ with right lender)
Not sure if you qualify? WhatsApp us — we'll tell you in 5 minutes.
Why Credit Consultancy
KEY FEATURES
First Home Purchase
We simplify everything — from choosing the right lender to getting the best rate your income qualifies for. No branch visits. No confusion.
Under Construction
We work with lenders who disburse in tranches as construction progresses — so you're not paying full EMI before possession.
Ready Possession & Resale
We handle legal verification, property valuation, and lender tie-up so you can close the deal fast.
Plot + Construction
Two-stage loan — most banks make it complicated. We find lenders who make it simple and affordable.
Balance Transfer
Already have a home loan at a higher rate? We calculate your savings and handle the full transfer to a better lender.
Low CIBIL / Rejection
Rejected before? We specialise in finding lenders who look beyond the number — and in fixing credit issues before we reapply.
How It Works
5 steps from first call to funded
WhatsApp us
Tell us your requirement, amount and city
Profile review
We assess eligibility and fix issues
Lender match
Right lender identified for your profile
We apply
Clean application submitted correctly
You get funded
We follow up until money hits your account
Why smart borrowers come to us first
Ex-bankers on your side
We know how credit decisions are made — because we used to make them. That knowledge means fewer rejections for you.
Right lender, first time
We match your profile to the lender most likely to approve — before applying. No shotgun approach. No score damage.
Faster than going directly
We know exactly what each lender needs. No back-and-forth. No missing documents. Faster approval from day one.
Pan India — any city
We work with lenders across India. Wherever you are, we find the right lender for your profile and your property.
Zero consultation fee
We earn from the lender when your loan is disbursed. You pay us nothing. Our interests are aligned with yours.
We stay until it's done
We don't disappear after submitting. We follow up daily until the money hits your account. No chasing required.
Documents
What You'll Need to Apply
Don't worry if you don't have everything ready. WhatsApp us first — we'll tell you exactly what applies to your situation.
Identity & Address (Both)
- ✓ Pan Card
- ✗ Aadhaar Card
- ◎ Passport / Voter ID
Salaried — Income
- ✓ Last 3 months salary slips
- ✗ Form 16 (last 2 years)
- ◎ Last 6 months bank statements
Self-Employed — Income
- ✓ Last 3 years ITR
- ✗ Last 12 months bank statements
- ◎ GSTR-3B if applicable
Property Documents
- ✓ Sale agreement
- ✗ Property title documents
- ◎ Builder NOC (if under construction)
Additional Documents
- ✓ Approved building plan
- ✗ Existing loan statements
- ◎ Property tax receipts
Not sure what you need?
WhatsApp us — personalised document checklist in minutes, free.
→ WhatsApp us nowFAQ
Questions People Ask Before Applying
Q: What is the minimum CIBIL score for a home loan?
Most lenders prefer a CIBIL score of 700 or above. However, we work with lenders who approve borrowers with scores as low as 650 — and in some cases, we can help fix your score before applying.
Q: How much home loan can I get on my salary?
Typically, lenders allow EMIs up to 40–50% of your net monthly income. On a ₹50,000 net salary, you could be eligible for a loan of ₹30–45 lakh depending on existing obligations, property type, and chosen lender.
Q: Can a self-employed person get a home loan easily?
Yes. You need at least 3 years of business vintage, consistent ITR filings for 2–3 years, and a minimum annual income of ₹3 lakh as per ITR. We match you to lenders who are self-employment-friendly.
Q: I was rejected by one bank. Can I still get a home loan?
Absolutely. Rejection by one lender doesn't close other options. We assess why you were rejected, fix what can be fixed, and apply to the lender most likely to approve your profile — without damaging your score further.
Q: How long does home loan approval take?
With all documents ready, most approvals happen in 7–15 working days. Our average is 48 hours from application to in-principle approval.
Q: Do you charge any fees?
No. Our consultation is completely free. We earn a commission from the lender only after your loan is disbursed — so our incentive is fully aligned with getting you approved at the best rate.
Ready to Find Out Exactly What Home Loan You Qualify For?
One conversation — completely free. No paperwork yet. No commitments. Just clarity on your eligibility, the best rate available, and exactly what it takes to get approved.
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