Top List of 20+ Mortgage Loan Agents in Bangalore. Get a mortgage loan with a low interest rate. Also, get an instant home loan, construction loan, property loan, and more. Find the best mortgage loan service providers near your location. as on Jan 18, 2025

Credence Services

Laggere, Bangalore, 560058

5.0/5 Based on 43 Reviews

+07569018217

Loans

Response Time: Within 15 MinsSulekha score: 8.3

Credence Services, located in Laggere, Bangalore, is a trusted provider of various home and commercial services. They specialize in housekeeping, cleaning, pest control, and maid services, offering tailored solutions to meet individual needs. Known for their professionalism and efficiency, the team at Credence Services ensures high-quality service with a strong commitment to customer satisfaction. Operating from 10 AM to 9 PM, the company provides quick responses to customer queries, often within 15 minutes. Their range of services has earned them a solid reputation in the local market, backed by positive reviews and customer experiences

Available Loan Types:

Offering 5+ different types of loans

Loan Amount Range:

From ₹10 Lakhs to ₹55 Lakhs and above
Depending on the type of loan

sujit from Bangalore

"I would appreciate for the fast service and the amount got credited just in a week"

Chat

Enquire Now

Ride Delight Services

Whitefield, Bangalore, 560066

5.0/5 Based on 16 Reviews

+08035428100

Loans

Response Time: Within 30 Mins Sulekha score: 9.2

Ride Delight Services Private Limited, based in Whitefield, Bangalore, is a reliable service provider specializing in home loans, business loans, and property-related financial services. Established in 2021, the company operates under the Companies Act as a private limited company. It is led by directors Selvaraj Gokila and Dharmalingam Rajesh. The company is known for its quick response time and customer-centric approach, offering services tailored to meet the financial needs of individuals and businesses. With an authorized and paid-up capital of Rs. 100,000, Ride Delight Services focuses on providing hassle-free financial solutions, making it a trusted choice for clients in Bangalore?

Available Loan Types:

Offering 5+ different types of loans

Loan Amount Range:

From ₹5 Lakhs to ₹50 Lakhs and above
Depending on the type of loan

Rohith from Bangalore

"i hav lot of cibil issue i tried so many bank's rejected but mr rajesh and team get it done my loan within week thank u soooooo much"

Kiran from Bangalore

"Very good service I have lot issues I get loan within week thank u"

Chat

Enquire Now

RD Consultants

Murugeshpalya, Bangalore, 560017

+08069876613

Loans Construction Loans Structural Adjustment Loans

Response Time: Within 60 MinsSulekha score: 7.8

RD Consultants is a leading company in Murugeshpalya offering a wide range of loan services to meet your financial needs. Our team of dedicated professionals has years of experience in the industry and is committed to providing personalized solutions to our clients. We specialize in home loans, mortgage loans, and non-CIBIL defaulter loans with a score above 750. We also offer loans against property, including those without a map, as well as loans against rent receivables. Our services also include loans on Lal Dora properties and plots, with options for loans over 56 lakhs and 50 lakhs. We also provide new home loans and balance transfer options. Visit us today to learn more about how we can help you achieve your financial goals.

Chat

Enquire Now

Aadya financial Services

J P Nagar, Bangalore, 560078

5.0/5 Based on 2 Reviews

+08069831613

Loans Construction Loans

Response Time: Within 15 MinsSulekha score: 6.7

Aadya Financial Services, located in J.P. Nagar, Bangalore, specializes in providing a wide range of financial services, including home loans, construction loans, mortgage loans, and loans against property. With a strong focus on customer satisfaction, they offer tailored financial solutions designed to meet individual needs. The team at Aadya Financial Services is known for its prompt response time and expert advice, ensuring clients receive the best loan options with competitive interest rates and minimal documentation. Their services are aimed at helping customers achieve their financial goals with ease and efficiency, making them a trusted partner for financial planning in Bangalore.

Available Loan Types:

Offering 5+ different types of loans

Loan Amount Range:

From ₹30 Lakhs to ₹55 Lakhs and above
Depending on the type of loan

MANJU VANI from Bangalore

"Great service in home loan processing and very professionals team. Thank you for your support "

Chat

Enquire Now

A Star Solutions

RT Nagar, Bangalore, 560032

+09021106498

Loans

Response Time: Within 15 MinsSulekha score: 6.8

A Star Solutions is a Bengaluru-based loan agency offering a variety of financial products, including personal loans, home loans, business loans, and loans against property. They specialize in providing customized financial solutions to meet the unique needs of their clients, ensuring access to competitive interest rates and minimal documentation. A Star Solutions also assists with balance transfers, helping clients shift existing loans to lower interest rates. Their mission is to support individuals and businesses in achieving their financial goals with ease and efficiency?

Available Loan Types:

Offering 8 different types of loans

Loan Amount Range:

From ₹5 Lakhs to ₹55 Lakhs and above
Depending on the type of loan

Chat

Enquire Now

HMB Loans

KONANAKUNTE, Bangalore, 560062

+09021113790

Loans

Response Time: More than 60 MinsSulekha score: 6.7

HMB Loans, located in Konanakunte, Bangalore, is a comprehensive financial services provider established in 2022. The company offers a wide range of loan solutions, including business, education, home, machinery, and personal loans. They also provide mortgage and overdraft loans, catering to both individuals and businesses. In addition, HMB Loans offers insurance products such as automotive, health, life, and business insurance. Their expert team is dedicated to delivering personalized guidance, ensuring a smooth and efficient process for their clients. With a focus on customer satisfaction, they aim to build long-term relationships based on trust and transparency?

Available Loan Types:

Offering 5+ different types of loans

Loan Amount Range:

From ₹10 Lakhs to ₹55 Lakhs and above
Depending on the type of loan

Chat

Enquire Now

Money Finance Service

Bangalore, Bangalore, 560021

+08069875880

Loans

Response Time: More than 60 MinsSulekha score: 6.5

Money Finance Service in Bangalore is a comprehensive financial service provider offering a wide range of loan options. They specialize in business loans, home loans, mortgage loans, and loans against property. With a strong emphasis on customer service, their experienced team is dedicated to helping clients secure the best financial solutions tailored to their needs. They operate with a quick response time and are committed to ensuring clients receive prompt and efficient service. Additionally, Money Finance Service is known for their reliable and trustworthy approach, making them a go-to choice for financial assistance in Bangalore. They cater to various financial needs, ensuring flexibility and convenience for their clients

Available Loan Types:

Offering 13 different types of loans

Loan Amount Range:

From ₹10 Lakhs to ₹1 Crore
Depending on the type of loan

Chat

Enquire Now

BUSINESS FACTOR

Wilson Garden, Bangalore, 560027

+08069874301

Loans

Response Time: Within 15 MinsSulekha score: 6.9

Business Factor, located in Wilson Garden, Bangalore, provides tailored loan services for businesses. Specializing in a range of financial solutions, including business loans, mortgage loans, and plot loans, they have built a reputation for offering easy and hassle-free loan processing. The company is dedicated to helping both startups and established businesses find the best loan options. With years of experience, they focus on delivering high-quality service, ensuring that clients receive suitable financial support for their ventures.

Available Loan Types:

Offering 5+ different types of loans

Loan Amount Range:

From less than ₹10 Lakhs to ₹1 Crore and above
Depending on the type of loan

Chat

Enquire Now

METRO CAPITAL CREDIT

Electronic City, Bangalore, 560100

+08048410120

Loans

Response Time: Within 15 MinsSulekha score: 6.8

Metro Capital Credit is a leading loan provider in Electronic City, offering a wide range of loan services such as home loans, mortgage loans, and loans against property. With our expertise, we assist individuals with CIBIL scores below 700 in obtaining loans. Our services also include loans against rent receivables, Lal Dora property, and various commercial, residential, and industrial buildings. We cater to all budget ranges, ranging from 36-55 lakhs to more than 56 lakhs. Our services also include new home loans and balance transfers. Our team works tirelessly to ensure that our clients receive the best loan solutions.

Chat

Enquire Now

V Try Assetz

Bangalore, Bangalore, 560086

+08069874630

Loans

Response Time: Within 15 MinsSulekha score: 7.4

Welcome to V Try Assetz, your trusted partner for all your loan needs. With our years of experience in the industry, we have helped countless businesses achieve their goals through our top-notch loan services. Our extensive range of loan options includes business loans, mortgage loans, and other business loans to help you grow your business. We also offer loan against property, loan against property without map, loans against rent receivables, and loans on Lal Dora property. Our services cover a wide range of properties, including plots, commercial buildings, residential buildings, and industrial buildings. No matter your budget, we have you covered, with loan options ranging from 11 lakhs to over 1 crore. Visit us in Kurubarahalli today and let us help you take your business to the next level.

Chat

Enquire Now

Why Choose Sulekha?

Sulekha is your go-to platform for finding a wide variety of loan providers catering to diverse financial needs such as personal loans, mortgage loans, home loans, vehicle loans, car loans, education loans, and more. With Sulekha, you gain access to a comprehensive network of reputable lenders, ensuring you find the perfect match for your specific requirements. The platform simplifies your search process, saving you time and effort by connecting you with trusted professionals who can offer tailored loan solutions. Choose Sulekha for a seamless and efficient loan-seeking experience.

1. When to Consider Taking Out a Mortgage Loan?

Stable Financial Situation: Ensure you have a stable income to manage monthly mortgage payments and maintain a sufficient emergency fund for unexpected expenses. A low debt-to-income ratio indicates manageable debt levels, making it easier to qualify for a mortgage.
Long-Term Commitment: Consider your future plans and whether you intend to stay in the property for a long period. Mortgages are long-term commitments, and frequent moving can be costly. Evaluate your family's current and future needs, such as space requirements and proximity to schools or work.
Housing Market Conditions: Analyze current housing market trends, including interest rates and property values. Low-interest rates and favorable market conditions can make it a good time to buy. Additionally, consider the potential for property value appreciation as a long-term investment.
Affordability and Budgeting: Save a substantial down payment to reduce the loan amount and potentially avoid private mortgage insurance (PMI). Ensure the monthly mortgage payments fit comfortably within your budget without compromising other financial goals.
Creditworthiness: A good credit score can help you secure a mortgage with favorable terms and lower interest rates. Review your credit history for inaccuracies and resolve outstanding issues to improve your credit profile, increasing your chances of loan approval.
Loan Types and Options: Understand the differences between fixed-rate and adjustable-rate mortgages and choose the one that best suits your financial situation and risk tolerance. Evaluate different loan terms (e.g., 15-year vs. 30-year) and their impact on monthly payments and total interest paid over the life of the loan.
Readiness for Homeownership: Be prepared for the responsibilities of homeownership, including maintenance, repairs, and property taxes. Consider how homeownership will impact your lifestyle and whether you are ready for the associated commitments.

2. Eligibility Criteria for Taking a Mortgage Loan?

Credit Score: A good credit score is essential as it indicates your creditworthiness. Generally, a score of 620 or higher is required, but a higher score can qualify you for better terms and interest rates.
Income: Lenders assess your income to ensure you can afford the loan payments. They will consider your employment history, salary, and other sources of income. Stable and sufficient income is crucial.
Debt-to-Income Ratio (DTI): This ratio compares your monthly debt payments to your monthly gross income. Lenders typically prefer a DTI ratio below 43%, though some may accept higher ratios depending on other factors.
Down Payment: Most mortgage loans require a down payment. The amount can vary but is typically between 3% and 20% of the home’s purchase price. Larger down payments can improve your chances of approval and get better loan terms.
Employment History: A stable employment history, usually at least two years with the same employer or in the same industry, is preferred. This demonstrates financial stability.
Property Appraisal: The property you intend to buy must be appraised to determine its market value. The loan amount is generally based on the appraised value or the purchase price, whichever is lower.
Savings and Assets: Lenders may require proof of savings or assets that can be used as a cushion in case of financial difficulties. This can include savings accounts, investments, or other assets.
Loan Type and Terms: The type of mortgage (fixed-rate, adjustable-rate, FHA, VA, etc.) and the loan terms (such as the length of the loan) can influence eligibility. Some loans have specific requirements, such as VA loans for veterans.
Documentation: You will need to provide various documents such as tax returns, pay stubs, bank statements, employment verification, and identification documents.
Residency Status: Proof of legal residency or citizenship may be required. Some lenders offer loans to non-citizens with specific documentation.

3. What are the Benefits and Advantages of a Mortgage Loan?

Home Ownership and Equity Building: Owning a home is a long-term investment that can appreciate over time, and each mortgage payment builds equity in the property, serving as a financial asset.
Tax Benefits: Mortgage interest and property tax payments are often tax-deductible, reducing taxable income and providing significant tax relief.
Predictable and Lower Payments: Fixed-rate mortgages offer consistent monthly payments, simplifying budgeting. Mortgage loans also generally have lower interest rates compared to unsecured loans because the property serves as collateral.
Leveraging and Credit Improvement: Mortgages allow individuals to leverage property value, enabling the purchase of more expensive homes. Regular on-time payments improve credit scores, and having a mix of credit types positively impacts credit ratings.
Flexible Terms and Refinancing: Various mortgage term lengths and types (fixed-rate, adjustable-rate) offer flexibility. Refinancing options can reduce interest rates and monthly payments or provide access to home equity for other financial needs.
Forced Savings and Stability: Mortgage payments act as forced savings, with part of each payment building equity. Homeownership provides long-term housing stability, protecting against rent increases and eviction risks.
Pride and Investment Opportunities: Homeownership provides a sense of pride and achievement. Homeowners can also generate rental income, helping to offset mortgage costs and further enhancing financial stability.

4. Important Factors to Consider When Taking a Mortgage Loan?

Interest Rates: Fixed rates offer stable monthly payments, while variable rates can fluctuate with market conditions. Look at the Annual Percentage Rate (APR) for a comprehensive view of the loan's cost.
Loan Term: Shorter terms like 15 years have higher monthly payments but lower total interest costs, while longer terms like 30 years offer lower monthly payments but higher overall interest.
Down Payment: A higher down payment reduces the loan amount and monthly payments and can eliminate the need for private mortgage insurance (PMI). Ensure you have enough savings left for emergencies and other financial goals.
Credit Score: Higher credit scores typically qualify for lower interest rates. Check your credit report for errors and work on improving your score before applying for a mortgage.
Debt-to-Income Ratio (DTI): Lenders assess your ability to repay the loan by looking at your DTI. Aim for a DTI below 43%, but the lower, the better for your financial health.
Loan Types: Conventional loans usually require higher credit scores and down payments, while government-backed loans like FHA, VA, and USDA have different requirements and benefits.
Fees and Closing Costs: These include appraisal fees, origination fees, and title insurance, which can add up to 2-5% of the loan amount. Some fees can be negotiated or shopped around.
Prepayment Penalties: Check if the loan has penalties for early repayment, as these could affect your ability to refinance or pay off the loan early.
Loan Servicing: Research the lender or servicer’s reputation for customer service and loan servicing practices to ensure a smooth mortgage management process.
Future Financial Plans: Consider your job security and potential for income changes. Research housing market trends in the area to understand potential property value changes.
Insurance and Taxes: Understand the property tax rate and how it will affect your monthly payment. Get estimates for homeowners insurance to factor into your overall housing costs.
Affordability and Budget: Ensure the monthly mortgage payment fits comfortably within your budget, considering other financial goals and expenses. Maintain an emergency fund to cover unexpected costs without compromising your mortgage payments.

5. Mortgage Loan Interest Rates?

Bank Name	Interest Rate (p.a.)	Loan Tenure	Processing Fees
State Bank of India	7.50% - 8.60%	Up to 30 years	0.35% of the loan amount (Min Rs. 2,000, Max Rs. 10,000)
HDFC Bank	7.60% - 8.50%	Up to 30 years	Up to 0.50% of the loan amount or Rs. 3,000 whichever is higher
ICICI Bank	7.70% - 8.60%	Up to 30 years	0.50% of the loan amount + GST (Min Rs. 3,000)
Axis Bank	7.75% - 8.70%	Up to 30 years	1% of the loan amount or Rs. 10,000 whichever is higher
Punjab National Bank	7.55% - 8.65%	Up to 30 years	0.35% of the loan amount (Min Rs. 2,500)
Bank of Baroda	7.65% - 8.50%	Up to 30 years	0.50% of the loan amount (Min Rs. 7,500, Max Rs. 20,000)
Kotak Mahindra Bank	7.60% - 8.50%	Up to 20 years	Up to 1% of the loan amount + GST
IndusInd Bank	7.70% - 8.75%	Up to 20 years	0.50% of the loan amount (Min Rs. 5,000, Max Rs. 10,000)
IDBI Bank	7.50% - 8.50%	Up to 30 years	0.50% of the loan amount (Min Rs. 2,500, Max Rs. 10,000)

Please note: Interest rates and fees can vary based on the loan amount, tenure, credit profile of the borrower, and specific bank policies. It is advisable to check with the respective bank for the most accurate and updated information.

Was this article is helpful?

Most Common Questions About Mortgage Loans

1. Who are the best Mortgage Loan providers in Bangalore?

Credence Services
Ride Delight Services
RD Consultants
Aadya financial Services
A Star Solutions

2. What documents are required for a Mortgage loan?

Typically, you need identity proof (Aadhaar, PAN card), address proof (utility bills, rental agreement), income proof (salary slips, bank statements, ITR), property documents (title deed, sale agreement), and a recent photograph.

3. What are the eligibility criteria for a Mortgage loan?

Eligibility criteria include being an Indian resident, aged 21-65, having a stable income source, good credit history, and ownership of a property that can be mortgaged. Specific criteria may vary by lender.

4. How do I apply for a Mortgage loan online?

You can fill out the Sulekha form above with your loan requirements, and connect with the best loan providers that suit your needs. Also you can apply online by visiting the lender's website, filling out the application form with required details, uploading necessary documents, and submitting the form for processing. Some lenders may offer doorstep services for document collection.

5. How can I get an instant Mortgage loan?

Instant mortgage loans are rare due to the need for property evaluation and legal checks. However, pre-approved loans for existing customers or quick processing options from certain lenders may expedite the process.

6. What is the percentage rate for Mortgage loans?

The interest rate for mortgage loans typically ranges from 8% to 12% per annum, depending on the lender, borrower’s creditworthiness, loan amount, and tenure. Rates can vary widely, so it’s advisable to compare different lenders.

7. Can I get a Mortgage loan with a low CIBIL score?

Yes, it is possible but may come with higher interest rates and stricter terms. Some lenders offer mortgage loans to individuals with low CIBIL scores, but the approval process may be more stringent.

8. What is the processing fee for a Mortgage loan?

The processing fee for a mortgage loan usually ranges from 0.5% to 2% of the loan amount. This fee covers administrative costs and varies by lender. It’s important to confirm this with your lender before applying.

9. Can I get a Mortgage loan with a bad credit score?

Getting a mortgage loan with a bad credit score is challenging but possible with certain lenders. You may face higher interest rates and stricter terms. Providing a strong co-applicant or additional collateral can improve your chances.

Tips & Solutions for Applying Loan View All Blogs

Home Buying Trends 2021 by Jenson

For most people, the primary purpose of buying real estate as an investment is to make a profit. However, there can be...

Important Things That NRIs Should Know About Home Loan In India by Pavithra S

If you are an NRI who wish to buy a residential property in India using a home loan, then it is essential for you to be aware...

Home Loan Agreement- Important clauses to know! by Pavithra S

Buying a house is still considered a big achievement in a person’s life as it entails several processes before one could heave...

How To Avoid Rejection Of Your Personal Loan Application Devi Bhuvanesh

Are you in urgent need of money for personal reasons? To meet the immediate financial requirement, one can apply for a personal loan...

Read all Blogs

4.6

Based on 37 Reviews

Nikesh Yeshwanthpur

04 Nov, 2022

It had to come out of a financial crunch especially when you don't have anyone to support you. Thankfull for Goldman FinTech was there who helped me get an Mortgage Loan even when I was having a low credit score.

Priti Indira Nagar

13 Jan, 2022

Cred Customer-988-34.7O.5.6%2=the number one in which the rest are the rest of the rest of the rest is ramesh sharma at no extra charges

Shivaprasad Hebbal Kempapura

21 Mar, 2021

Hi i need 3 lakhs urgent money for some medical issues. I would like to get loan on my 30X40 plot documents. Please get back to to ASAP.

Guru Rajesh Koramangala

14 Oct, 2020

Full marks to the fincareeka team for getting balance transfer with HDB bank. i didnt know that old loans interest rates can be reduced but they informed me and help get all loans + fresh loan at a lower rate.

Sudheer Bannerghatta

29 Feb, 2020

Thank you very much Shiv for fulfilling my Loan Requirement with your dedicated and On-Time processing and methodology. Superb service provider..hope to work with you soon! Thanks again :)

Prakash Kasturi Nagar

28 Jan, 2019

The quick response I have got from this Sai Associates, Kasturi Nagar in Bangalore for Loans against on Property requirement. They have taken the step for document verification and guaranteed Singh details, I hope they will give a positive result for loan approval. they have checked my account details within a short period and they explained me details about the loan structure also. I am happy to choose this financial for my Mortgage loan requirement.

Amith Mahadevapura

14 Dec, 2018

Absolutely real and genuine person, Got Personal loans from this State Bank of India, they did the work very quickly in order to get the loan quickly. I got loan amount, the staff member was very cooperative and very friendly moving into the customer. They have charged me a nominal amount, there was a quick response to the customer since the customer satisfaction was very important.

Muniraju M Indira Nagar

29 Nov, 2018

Have applied for my personal loan through LIC Bangalore. The response was good. They explain the term and condition. Had submitted all the documents here. They delayed time to provide the loan. So its an average service to me.

Top Mortgage Loan Providers in Bangalore

What type of mortgage loan do you need?

Find the Top Mortgage Loan Providers from Sulekha in Bangalore

Top List of 20+ Mortgage Loan Agents in Bangalore. Get a mortgage loan with a low interest rate. Also, get an instant home loan, construction loan, property loan, and more. Find the best mortgage loan service providers near your location. as on Jan 18, 2025

Credence Services

Ride Delight Services

RD Consultants

Aadya financial Services

A Star Solutions

HMB Loans

Money Finance Service

BUSINESS FACTOR

METRO CAPITAL CREDIT

V Try Assetz

Latest User Reviews for Mortgage Loan in Bangalore

Recently Connected Loans in Bangalore

Recent Enquiries for Mortgage Loan in Bangalore

Why Choose Sulekha?

1. When to Consider Taking Out a Mortgage Loan?

2. Eligibility Criteria for Taking a Mortgage Loan?

3. What are the Benefits and Advantages of a Mortgage Loan?

4. Important Factors to Consider When Taking a Mortgage Loan?

5. Mortgage Loan Interest Rates?

Most Common Questions About Mortgage Loans

1. Who are the best Mortgage Loan providers in Bangalore?

2. What documents are required for a Mortgage loan?

3. What are the eligibility criteria for a Mortgage loan?

4. How do I apply for a Mortgage loan online?

5. How can I get an instant Mortgage loan?

6. What is the percentage rate for Mortgage loans?

7. Can I get a Mortgage loan with a low CIBIL score?

8. What is the processing fee for a Mortgage loan?

9. Can I get a Mortgage loan with a bad credit score?

Tips & Solutions for Applying Loan View All Blogs

Home Buying Trends 2021

Important Things That NRIs Should Know About Home Loan In India

Home Loan Agreement- Important clauses to know!

How To Avoid Rejection Of Your Personal Loan Application