Aadhya Financial Consultancy

Home loan and loan against property for salaried professionals in Thane and Mumbai: There's more to your profile than your salary slip.

  • Planned for your peace of mind
  • Without extra effort from you
  • Even if your pay is partly variable
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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Harshad Agawane
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“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…”
D
Dinesh Thotam
G
“Best Home loan and Mortgage loan consultant in Mumbai.”
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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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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.”
M
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”
M
Mohammad Iftekhar
G
“Good financial consultancy”

Read all reviews on Google →

WHAT THE BANK READS

What the bank reads in a salaried profile

Every lender reads these four things. Present them well, and the right loan follows.

Your salary and EMIs

  • Take-home salary
  • Existing EMIs
  • Room left for a new EMI

Your credit record

  • On-time EMIs
  • Card payments
  • Credit score

Your employer and job

  • Employer profile
  • Time in current job
  • Total experience

The property

  • Clear title
  • Approvals in place
  • Complete papers

Three ways to strengthen your application

Choose the lender first

  • Lenders that suit you
  • One well-placed application

Compare the full cost

  • Rate and margin
  • Fees and insurance

Add a co-applicant

  • Earning spouse or parent
  • Higher eligibility
HOW WE WORK

From first call to funds in your account

The right loan for your family's next big step, without visiting bank after bank, even if this is your first loan.

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.

Home Buyer's Money Map, a 5-page guide by Aadhya Financial Consultancy
FREE GUIDE

Home Buyer's Money Map

One step, done at the right time, keeps your whole home budget on track. This short guide shows you which step it is, and the 7 steps from "Can I afford it?" to the keys in your hand.

  • The step to do before you sign
  • The full cash plan, beyond the loan
  • A worksheet for your own numbers
FAQS

Questions salaried borrowers ask

How much home loan can I get on my salary?

It depends on your take-home salary, your existing EMIs, the tenure and the lender's policy. As an illustration, Rs 1 lakh take-home with no other EMIs can support about Rs 1.03 crore over 25 years at a typical current rate. A 20-minute call gives a realistic figure for you.

Can I move my home loan to a bank with a lower interest rate?

Yes. A balance transfer moves your outstanding loan to a new lender at a lower rate. It makes sense when the saving is more than the processing and legal costs, and we check that before you apply.

Can I get a top-up with a balance transfer?

Yes. Many lenders offer a top-up along with the transfer, based on your property's value and your repayment record. It usually costs less than a personal loan.

Can a salaried person take a loan against property?

Yes. Salaried owners of a residential or commercial property, including one that is let out, can raise long-term funds against it, usually at a lower rate than a personal loan.

Can my spouse be a co-applicant?

Yes. Adding an earning spouse or parent as co-applicant can increase the amount you are eligible for.

What documents does a salaried person need for a home loan?

Typically identity and address proof, the last 3 months' salary slips, 6 months' salary account statements, Form 16 or ITR for 2 years, details of existing loans, and the property papers. We give you a checklist for your case.

Your next step: a 20-minute discovery call

In 20 minutes you'll know:

  • Roughly how much you can borrow
  • Which lenders suit your profile
  • How to strengthen your application
Book a 20-minute discovery call

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

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