Loan Against Property and Mortgage Loans — Unlock Up To ₹100 Cr From Your Asset
Turn the value of your property into the funds you need for growth, expansion, or important financial goals. AF Advisors helps property owners, businesses, and professionals explore suitable Loan Against Property and Mortgage Loan options across Delhi & Delhi NCR. With 22+ years of industry experience and a strong network of 40+ banks and NBFCs, we help you compare financing options, understand eligibility, and move toward faster approvals with suitable repayment solutions..
Loan Against Property / Mortgage Loan — quick facts
*Indicative — final rate, fee and tenure depend on the lender's policy and your profile.
- Property is mortgaged, ownership stays with you
- Loan amount depends on property value & income
- Lower rate than an unsecured business/personal loan
- Repaid as EMI over a tenure of up to 20 years
Get Loan Against Property & Mortgage Loan in Delhi with Expert Guidance
A Loan Against Property or Mortgage Loan helps you access funds by using your residential or commercial property as security. It can be used for business expansion, working capital, property investment, debt consolidation, or major financial needs.
With competitive interest rates and flexible repayment tenures, a Mortgage Loan can be a practical way to unlock your property's financial value without selling it.
AF Advisors helps borrowers across Delhi & Delhi NCR compare Mortgage Loan options from 40+ banks and NBFCs based on eligibility, property value, loan amount, interest rate, and repayment terms.
A large-ticket loan, without giving up your asset
LAP is one of the most efficient ways to raise a large sum in India — here's what makes it worth considering over other borrowing options.
Lower interest than unsecured credit
Because the property secures the loan, LAP rates run well below business loans, personal loans or credit cards for a comparable amount.
High-value funding, longer tenure
Sanction amounts can run into crores with tenure up to 20 years, keeping the EMI manageable relative to what you borrow.
No restriction on end-use
Funds can go towards business expansion, working capital, education, medical needs or consolidating existing high-cost debt.
Where the mortgaged property is let out, or the loan is used for business purposes, part of the interest may be eligible for a tax deduction under the Income Tax Act, 1961. AF Advisors is not a tax advisor — please confirm applicability with your Chartered Accountant.
Every kind of loan against property, under one roof
The right LAP structure depends on the property, the borrower and what the funds are for.
LAP on Residential Property
Mortgage a self-occupied or rented flat/house for funding, without disturbing your current living arrangement.
LAP on Commercial Property
Unlock funds against an owned office, shop or commercial unit, typically at a higher funding percentage.
Lease Rental Discounting
Borrow against future rental receivables from a leased-out commercial property.
LAP for Business Expansion
Structured for proprietors, partnerships and companies raising growth or working capital.
Balance Transfer of Existing LAP
Move a running LAP to a lender offering a better rate, with an optional top-up.
Top-Up on Running LAP
Draw additional funds on an existing LAP once part of the loan is repaid and property value has appreciated.
LAP for Self-Employed & Professionals
Income assessed on ITR, GST returns and CA-certified financials rather than salary slips.
NRI Loan Against Property
For Non-Resident Indians who own property in India — different documentation and repatriation rules apply.
From first call to funds in your account
Five stages, start to finish. We stay on the file at every one of them.
Share your property & requirement
Property type, approximate value and how much you need — a five-minute conversation, on call or WhatsApp.
We shortlist lenders
Rate, funding percentage and tenure compared across our 40+ bank & NBFC partners for loan against property.
Title check & valuation
The property's title and valuation are verified upfront — the single biggest reason LAP applications get delayed elsewhere.
Sanction
Formal approval letter from the chosen lender, terms confirmed in writing.
Disbursement
Funds credited to your account once the mortgage is registered and all conditions are fulfilled.
Who is eligible for a loan against property?
Every lender has its own policy, but nearly all check the same three things first.
Age
Applicants are generally expected to be 21 years or older, with the loan closing before the borrower turns 65–70, depending on the lender.
Property title
The property must have a clear, marketable title and be free of major existing encumbrances, or eligible for a balance transfer.
Credit score
A healthy CIBIL score speeds up approval and widens your choice of lenders; a low or thin score narrows it, but doesn't rule it out.
Documents required
The exact list depends on your profile.
KYC
- PAN Card
- Aadhaar Card
- Passport / Voter ID
- Latest electricity bill
Income
- Last 3 months' salary slips
- Form-16 / 26AS, ITR (3 years)
- Appointment & CTC letter
Bank
- 1 year's salary account statement
Property
- Ownership & title documents
- Chain of property papers
- Property tax receipts / valuation report
KYC
- PAN Card, Aadhaar Card
- GST / trade registration
- Company profile letterhead
Income
- Last 3 years' ITR with P&L, balance sheet
- CA-certified financials
- Latest 2 years' GST returns
Bank
- 1 year's savings + current account statements
Property
- Ownership & title documents
- Chain of property papers
- Property tax receipts / valuation report
Fixed vs floating interest rate
Both types affect your EMI differently over the life of the loan — here's the difference in plain terms.
Fixed Rate
Stays the same for the loan tenure, unaffected by market movement.
- Predictable EMI, easier to budget
- Usually higher than the floating rate
- Doesn't fall even if market rates drop
Floating Rate
Moves with the lender's benchmark (repo-linked) rate.
- Typically lower over the loan's life
- EMI/interest cost can rise or fall with the market
- Preferred by most borrowers
Key factors to check before you apply
Lenders fund a percentage of the property's market value, not the full amount — plan for the balance to come from your own funds.
Residential, commercial and industrial properties often carry different funding percentages and rates — check yours before assuming a number.
A small difference in rate compounds meaningfully over a 15–20 year tenure — always compare across lenders.
Separate from interest — typically 0.50%–1.5% of the loan amount, plus valuation and legal charges.
Read the fine print on balance transfer, prepayment and part-payment charges before signing.
What you get with AF Advisors
- Residential & commercial property acceptedELIGIBLE
- Lease rental discounting facilitySUPPORTED
- Tenure optionsUP TO 20 YRS
- Balance transfer & top-up on existing LAPAVAILABLE
- Title, valuation & legal documentation supportINCLUDED
- Eligibility check & lender comparisonNO COST
One team, every kind of secured finance
Home Loan
Owning a house is everyone's dream — we build the platform that gets you there, with rates and terms matched to your profile.
View →Loan Against Property / Mortgage Loan
Unlock the value already sitting in your property, with funding of up to ₹100 Cr and structures tailored to your need.
You are hereBusiness Loan
Finance your next big move with flexible interest rates, tenure and payback options built around how your business actually runs.
View →Commercial Loan
Owning your workplace builds equity and saves on rent — we arrange the right loan to make that commercial property yours.
View →Industrial Property
No business dream is too big — tailor-made financing for manufacturing setup, expansion, and industrial or office equipment.
View →Overdraft / CC
A revolving credit limit for business or personal use — pay interest only on what you draw, not the full sanctioned amount.
View →Not sure which one?
Tell us your need — we'll match the right product.
Talk to an advisor →Banks & NBFCs we work with
A snapshot of our lending network across Delhi NCR — the full list runs to 40+.
- State Bank of India
- HDFC Bank
- ICICI Bank
- Axis Bank
- Punjab National Bank
- Bank of Baroda
- Kotak Mahindra Bank
- IDBI Bank
- LIC Housing Finance
- PNB Housing Finance
- Bajaj Housing Finance
- Tata Capital Housing Finance
- Canara Bank
- Union Bank of India
- IndusInd Bank
- Aditya Birla Housing Finance
See the number before you commit to it
Loan amount, tenure and rate — adjust each and watch your monthly EMI change in real time.
Check your eligibility for Loan Against Property / Mortgage Loan
Share your details — an advisor will call you back with the best-matched lenders.
Why choose a loan consultant over walking into one bank
High-value funding, structured right
Sanction amounts running into crores need careful structuring — we get the funding percentage and tenure right the first time.
Title issues sorted upfront
We flag title or encumbrance concerns before you apply, instead of you finding out mid-process with a bank.
No cost to you
Eligibility checks and lender shortlisting are free for the borrower — we're compensated by the lender only after disbursement.
Loan Against Property / Mortgage Loan FAQs
Lenders typically fund a percentage of your property's current market value, subject to your income and repayment capacity. We compare this across lenders so you see the highest genuine offer, not one bank's conservative estimate.
Yes — LAP is commonly used for business expansion and working capital. There's no restriction on end-use for most lenders, though some ask for a broad declaration of purpose.
Ownership stays with you throughout — the lender only holds a mortgage as security. You can continue living in or renting out the property as usual, subject to the loan terms.
Yes, this is a balance transfer, one of the most common requests we handle. We assess whether the switching cost is worth the rate saving before recommending it.
Broadly: identity and address proof, income documents, bank statements, and the property's ownership and title papers. We give you a checklist specific to your property and income type.
With complete documentation and a clean property title, sanction typically takes 5–15 working days. Title verification or valuation delays can extend this.