Top Mortgage Loans Providers in Pune - Home Loans

Top List of 10+ Mortgage Loan Agents in Pune. 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 Mar 22, 2025

A My Loan.com

Swargate, Pune, 411009

+08069874035

Loans

Response Time: More than 60 MinsSulekha score: 7.9

Welcome to A My Loan.com, your one-stop destination for all your loan needs. Our company specializes in providing home loans to individuals with a non-CIBIL defaulter score above 750. With over 56 lakhs in loans approved, we have helped countless individuals achieve their dreams of owning a home. Our services also include balance transfers for those looking to refinance their existing loans. Our team of dedicated professionals works tirelessly to ensure that you receive the best loan options and services. With convenient working hours, we are always available to assist you in your loan journey. Come and explore A My Loan.com today!

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Dream Homes

Pune Cantonment, Pune, 411060

+09066024182

Loans Construction Loans

Response Time: Within 15 MinsSulekha score: 3.8

Welcome to Dream Homes, the leading provider of loans in Mohamadwadi. Our expert team specializes in home loans, mortgage loans, and CIBIL defaulter services. We also offer loan options for non-CIBIL defaulters and loans against property. Our services extend to various types of properties including plots, commercial buildings, residential buildings, and industrial buildings. With flexible loan amounts ranging from less than 10 lakhs to more than 56 lakhs, we cater to a wide range of financial needs. Our working hours are convenient and our customer service is top-notch. Trust Dream Homes for all your loan needs in Mohamadwadi.

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SWATI ASSOCIATES

Wanowrie, Pune, 411040

+022-49429133

Loans

Response Time: More than 60 MinsSulekha score: 6.5

experts in financial consultancy and advisory for term loans expertise is we give you transparent deals with less interest and more loan amount

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Sai Enterprises

Ganesh Peth, Pune, 411030

+08035428007

Loans

Response Time: More than 60 MinsSulekha score: 5.5

Sai Enterprises offer a comprehensive range of loan services tailored to meet your financial needs. With years of industry expertise, our experienced team has successfully assisted numerous clients in achieving their financial goals. We specialize in various loan types, including home loans, business loans, mortgage loans, personal loans, and more. Whether you are a CIBIL defaulter or not, we have solutions that cater to every credit situation. Our offerings include loans against cash credit, overdraft, property, and rent receivables. Additionally, we extend our services to NRI clients, providing options for both housing and personal loans. With flexible loan amounts ranging from less than 1 lakh to over 1 crore, we are equipped to address a wide spectrum of financial requirements. Reach out to us today to take the first step towards financial security. Our flexible working hours ensure that we can accommodate your schedule. Contact us to learn more about how we can assist you.

Available Loan Types:

Offering 8 different types of loans

Loan Amount Range:

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

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Srinivas Financial Solutions

Pune R.S., Pune, 411036

+07569018114

Loans

Response Time: Within 15 MinsSulekha score: 5.3

Srinivas Financial Solutions, located in Pune R.S., Pune, is a trusted financial services provider with over 21 years of experience. They specialize in offering a variety of loans including home loans, business loans, personal loans, and loans against property. Their expert team is dedicated to helping clients meet their financial needs with tailored solutions, ensuring customer satisfaction. Known for their prompt response times, they provide easy and accessible loan options with a focus on quick approvals and personalized financial advice. Srinivas Financial Solutions has a reputation for being a reliable partner for both individuals and businesses seeking financial assistance

Available Loan Types:

Offering 10+ different types of loans

Loan Amount Range:

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

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Professional Accounting And Tax Solutions

Chikhali, Pimpri Chinchwad, 411062

( Also serves in Pune )

+08069875213

Loans

Response Time: Within 30 Mins Sulekha score: 7.2

Welcome to Professional Accounting And Tax Solutions! Our business has been providing expert Chartered Accountant services for all your financial needs since 2017. As a trusted partner, we offer a wide range of services including home loans, mortgage loans, CA for commercial taxation, CA for registration and license consulting, CA for individual taxation, finance and taxation service consultants, and more. Our experienced team can also assist with CIBIL defaulter (Score below 750), non-CIBIL defaulter (Score above 750), loans against property, loans against rent receivables, loans on Lal Dora property, and more. We are available to serve you through phone/online, doorstep, or at our office in Chikhali. Our services also include tax assessment, wealth management, income tax, goods and services tax (GST), food licence, shop act licence, and book-keeping services. With a range of options for loans and services, you can trust us for all your financial

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Adarsh associate

WadgaonSheri, Pune, 411014

+08069873764

Loans Construction Loans Loan Against Shares

+2 more

Response Time: Within 15 MinsSulekha score: 3.5

Welcome to Adarsh Associate, a trusted name in the world of loans for all your financial needs. We have been serving the city of Vadgaon Sheri since 2019, providing a wide range of loan services including home loans, business loans, mortgage loans, personal loans and more. Our team of experts specializes in catering to non-CIBIL defaulters with a score above 700, making sure everyone has access to the financial support they need. We also offer loans against cash credit, overdrafts, and properties of all types - commercial, residential, and industrial. No matter your financial situation, we have a solution for you. Come visit us today and let us help you achieve your financial goals.

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Nidhi Solutions

Pimpri-Chinchwad, Pune, 412101

+08069875012

Loans

Response Time: Within 15 MinsSulekha score: 7.3

Nidhi Solutions is a home loan provider based in Pune, Maharashtra, specializing in various loan services. They offer a wide range of loan products, including home purchase loans, home improvement loans, home construction loans, and loans against property. With over 1,000 home loans disbursed, the company is known for its flexible approach and customer-centric service. Nidhi Solutions partners with more than 20 banks and ensures quick, hassle-free loan approvals. Their commitment to personalized service and competitive interest rates has helped them expand their presence across India. They also provide 24/7 customer support, ensuring a seamless loan process for all clients?

Available Loan Types:

Offering 4 different types of loans

Loan Amount Range:

From ₹25 Lakhs to ₹55 Lakhs and above
Depending on the type of loan

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RD Consultants

Murugeshpalya, Bangalore, 560017

( Also serves in Pune )

+08069876613

Loans Construction Loans Structural Adjustment Loans

Response Time: More than 60 MinsSulekha score: 5.6

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.

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A S Enterprises

Noida, Noida, 201301

( Also serves in Pune )

+09901333649

Loans

Response Time: Within 30 Mins Sulekha score: 6.7

Welcome to A S Enterprises, your one-stop destination for all your loan needs. Located in the heart of Sector 3, we have been serving our customers since our establishment in 0. Our team of dedicated employees is here to assist you with a wide range of services, including home loans, business loans, mortgage loans, personal loans, and more. We also specialize in catering to CIBIL and Non-CIBIL defaulters, with a range of loan options to suit your needs. Our working hours are flexible, ensuring that we can accommodate your busy schedule. Trust us to help you embark on your journey to financial success with our reliable and efficient services.

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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.

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Most Common Questions About Mortgage Loans

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

A My Loan.com
Dream Homes
SWATI ASSOCIATES
Sai Enterprises
Srinivas Financial 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.

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3.9

Based on 14 Reviews

Hemant Pune

04 Jan, 2022

Highly professional services with experience to handle all queries in the most efficient manner. I have been associated with the firm since a very long time and would recommend all those looking for professional service providers to come and experience on their own

VIJAY KADTAN Bibwewadi

06 Jul, 2018

Approached Finmax Advisory for Mortgage loans. The response was very good and quick to my need. The Agent working there are very kind and helping in every way. I am very much satisfied with them.

Jayant Bibwewadi

28 Feb, 2018

We have Experienced excellent Information & Service to provide us Mortgage Loan of 5 Crs with successful & timely disbursement. We refered our 2 more business associates for their loan requirements.

VANDANA SHAW Camp

25 Jul, 2015

VERY GOOD SERVICE PROVIDER, GOOD KNOWLEDGE OF MARKET AND POLICIES OF BANKS....REALLY I APPRECIATE THIS MAN. HE KNOW THE NEED OF CUSTOMER AND TIME VALUE....

Top Mortgage Loan Providers in Pune

What type of mortgage loan do you need?

Find the Top Mortgage Loan Providers from Sulekha in Pune

Top List of 10+ Mortgage Loan Agents in Pune. 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 Mar 22, 2025

A My Loan.com

Dream Homes

SWATI ASSOCIATES

Sai Enterprises

Srinivas Financial Solutions

Professional Accounting And Tax Solutions

Adarsh associate

Nidhi Solutions

RD Consultants

A S Enterprises

Latest User Reviews for Mortgage Loan in Pune

Recently Connected Loans in Pune

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 Pune?

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