What Is Mortgage Loan Balance Transfer?
A Loan Balance Transfer allows you to shift your existing mortgage loan from one lender to another who offers better interest rates, lower EMIs, or improved service terms.
Balance Transfer and Top-Up Loans
At DS Consultants, we help you take control of your existing mortgage (Loan Against Property) by offering smart solutions like Balance Transfer and Top-Up Loans. Whether you want to lower your monthly EMIs, reduce the total interest burden, or need additional funds for personal or business needs, our team ensures a seamless and stress-free process.
Through our wide network of Banks and NBFCs, we help you compare offers, negotiate better terms, and unlock additional funding against your property — all with complete transparency and expert support.
What Is a Top-Up Loan on Mortgage?
A Top-Up Loan is an additional loan amount that you can borrow over and above your existing mortgage loan, based on your repayment history, current property value, and lender eligibility criteria.
Ideal For
- Business expansion or working capital
- Home renovation or interior works
- Medical expenses, education fees, or personal needs
- Debt consolidation at lower interest rates
Documentation Required
- Existing loan sanction letter and EMI statement
- Property documents and title deed
- Income proof (ITR, salary slips, Balance Sheet or bank statements)
- Valid ID and address proof
- CIBIL report (we can fetch on your behalf)
