Unlock the value of your property.
Turn your home, shop, or land into funds for any need — at rates lower than a personal loan.
Mortgage Loan
A mortgage loan (Loan Against Property) lets you unlock funds against a property you already own — your home, shop, or plot. Because the loan is secured by your asset, interest rates are significantly lower than personal or business loans. Skyline Finserv compares 15+ lenders to find you the best rate and tenure.
Key features & benefits
Up to 70% of property value
Get a loan equal to up to 70% of your property's current market value, as assessed by the bank.
Lower interest rates
Secured against property, so rates are far lower than personal or unsecured business loans.
Long tenure up to 15 years
Spread repayment over 15 years for smaller, manageable EMIs without straining cash flow.
Any end use
Use the funds for business expansion, children's education, medical emergencies, or any personal need.
Property stays with you
You continue to live in or use your mortgaged property throughout the loan tenure.
Overdraft option
Some banks offer a revolving overdraft facility — pay interest only on the amount you actually use.
Who can apply?
Salaried Individuals
- Age: 25–60 years (at loan maturity)
- Minimum monthly income: ₹30,000
- Minimum 3 years total employment
- CIBIL score: 650+ (700+ preferred)
- Clear property title in applicant's name
Self-Employed / Business Owners
- Age: 25–65 years (at loan maturity)
- Business vintage: minimum 3 years
- Stable income evidenced by ITR
- CIBIL score: 650+ preferred
- Dispute-free property under 30 years old
Documents required
We collect documents at your doorstep — no branch visits needed.
Common (All Applicants)
- PAN Card
- Aadhaar Card
- Passport-size photographs
Salaried Applicants
- Latest 3 months salary slips
- Last 6 months bank statements
- Form 16 (last 2 years)
Self-Employed / Business
- ITR with computation (last 2 years)
- Profit & loss and balance sheet
- Business registration proof
- Last 12 months bank statements
Property Documents
- Property title deed / sale deed
- Encumbrance certificate (EC)
- Property tax paid receipts
- Building plan approval
- Property valuation report
- Photographs of property
Best tips for mortgage loan
Get the property valued by a certified valuer before applying — it sets the maximum loan you can get.
Clear all property tax dues and ensure the title is clean to avoid delays.
Compare rates across multiple lenders — a 0.5% difference on a large loan saves lakhs over tenure.
Consider a balance transfer if your existing mortgage rate is higher than current market rates.
Prepare all property documents well in advance — legal due diligence is the main delay factor.
Calculate your monthly EMI
Adjust the sliders to see exactly what you'd pay each month.
Need a loan? Get instant approval.
Low interest rates from 8.5% p.a. · 15+ bank partners · Sanction in 3–7 days · Zero cost to you.