Aadhya Financial Consultancy
SalariedHome LoanLoan Against Property

Loan against property for salaried professionals in Thane and Mumbai: Your family's biggest goals, funded by your property.

  • Funds from your own property
  • Without touching investments
  • Even if it's rented out
Residential property→Commercial property→
Book a 20-minute discovery call
Venkatraman Iyer
5.0 on Google · 27 reviewsRs 750 Cr+ arranged · 50 banks and NBFCs
WHAT CLIENTS SAY

What clients say

5.0 ★ on Google, 27 reviews
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Santosh Shinde
G
“Aadhya Financial Consultancy exceeded my expectations with their professionalism and commitment to delivering results. Their tailored solutions have brought clarity and confidence…”
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Harshad Agawane
G
“Venkatraman Sir is a very polite, knowledgeable, and passionate professional. With over 20 years of experience and a deep understanding of the products, he always takes a…”
A
Abhijit Bardhan
G
“He is someone that does understand the nitty gritties of various products across finance and advices you on the one which would most strategically work for you… Most of the…”
M
Mayank Purohit
G
“Passion, knowledge and a genuine interest in achieving the best for clients is what makes a truly professional Financial Adviser. Aadhya Financial Consultancy has this and more…”
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Dinesh Thotam
G
“Best Home loan and Mortgage loan consultant in Mumbai.”
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Vinay Ghuwalewala
G
“Best Consultancy. Very good relationship with bankers for the best deals for customers and fastest deliveries to customers.”
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Nazim Virji
G
“Highly recommended for improving the cost of finance for your company.”
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Madhav Mehta
G
“Honest and commited. They deliver their best efforts and fantastic customer experience”
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Akash Raut
G
“Professional approch, they solved my requirements on time.”
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Hasan Shaikh
G
“Excellent service, timely resolution ,quick reponse”
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Nikhil Desai
G
“Prompt services for all your financial needs”
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Nikhil Purohit
G
“Awesome experience. Superb service.”
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Chandan Yadav
G
“Very fast, safe and secure.”
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Gulshan Chopra
G
“Excellent delivery of works”
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Mohammad Iftekhar
G
“Good financial consultancy”

Read all reviews on Google →

ResidentialResidentialYour flat or houseCommercialCommercialYour shop or office

Loan against residential property for salaried professionals · Thane & Mumbai

Your home has value. Let it fund your next goal.

Long-term funds for your family's goals, without selling your investments, even if the home is let out.

A father dropping his daughter at her new college campus
Check your numbers
LAP eligibility calculatorWhat your property can raise→LAP EMI calculatorYour monthly EMI→
Did you know?

Your home can raise funds at a much lower cost than a personal loan, over up to 15 years.

How we help

We work out what your home can raise, then match you to the lender that values it best.

Documents for your case

Tell us three things and we'll send your exact list on WhatsApp.

Get my document checklist on WhatsApp
Book a call about your LAP

Loan against commercial property for salaried professionals · Thane & Mumbai

Your shop or office can work for you twice.

Funds from the shop or office you own, without selling it, even if it's let out.

A salaried professional outside the office unit he owns and rents out
Check your numbers
LAP eligibility calculatorWhat your property can raise→LAP EMI calculatorYour monthly EMI→
Did you know?

If your shop or office is let out on a registered lease, the rent itself can support the loan.

How we help

We check the value, the lease and the papers, then pick the lender whose policy suits your property.

Documents for your case

Tell us three things and we'll send your exact list on WhatsApp.

Get my document checklist on WhatsApp
Book a call about your LAP
HOW WE WORK

From first call to funds in your account

Your family's plans funded on time, from the lender that suits you, without touching your savings, even if your property is commercial.

1

Review

Your papers read the way a bank reads them, before you apply.

2

Match

Only lenders whose policy suits your profile.

3

Compare

Rate, fees and terms of every offer, side by side.

4

Disburse

With you until the money reaches your account.

Our commitment: we work to get you the full amount your plan needs, so every part of it is covered.

ALSO FOR SALARIED PROFESSIONALS
Home LoanBuy, switch or top up. New Home Loan · Balance Transfer · Home Loan Top-Up.Explore →
FAQS

Loan against property questions, answered

How much loan can I get against my property?

Lenders can fund up to about 75% of the market value for a home, and up to about 70% for a shop or office, subject to the lender's conditions. The final amount also depends on your salary and existing EMIs. For example, a home worth Rs 2 crore can raise up to about Rs 1.5 crore.

Can I take a loan against a property that is let out?

Yes. A let-out flat, shop or office can raise funds, and the rent from a good tenant adds strength to your application.

What is lease rental discounting?

A loan based on the future rent from a property let out on a registered lease. It suits shops and offices with good tenants.

What can I use a loan against property for?

Many needs: education, a wedding, a second property, a family business, or bringing costlier loans together.

What documents do I need?

Typically identity and address proof, salary slips, bank statements, Form 16 and the complete property papers. We give you a checklist for your case.

Is a loan against property cheaper than a personal loan?

Usually, yes. It is secured by your property, so it is typically priced well below a personal loan and can run for a much longer tenure, which keeps the EMI comfortable.

How long can a loan against property run?

Up to 15 years, with the loan ending by age 65 of the older applicant.

Your next step: a 20-minute discovery call

In 20 minutes you'll know:

  • What your property can raise
  • Which lenders value it best
  • The lowest full cost for your goal
Book a 20-minute discovery call

There's no pressure. We'll just see if we can help.

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