Why Consider a Home Loan Balance Transfer?
A balance transfer allows you to move your existing home loan to a new lender offering better terms. Our expert team helps you find the best offers across leading banks and housing finance companies.
Lower Interest Rates
Switch your home loan to get competitive interest rates from 8.50%* p.a. and save in lakhs
Top-up Loan Facility
Get additional funds against your home loan at lower interest rates for renovation and other needs
Flexible EMIs
Choose your home loan tenure and enjoy lower EMIs by switching to flexible repayment plans
Simple and Fast Process
100% digital process with guaranteed fast disbursals
Home Loan Balance Transfer Calculator
Check your savings with a home loan balance transfer calculator.
Savings
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Speak to a Home Loan Expert Today
Free ConsultationSteps To Transfer Your
Home Loan To A New Bank
1Free Consultation
Share your current loan details with our experts for a preliminary analysis
2Compare Offers
Get personalized offers from multiple banks with detailed comparisons
3Document Collection
We'll help you gather and organize all required documents
4Application Processing
Our team handles the complete application process with your chosen bank
5Loan Disbursement
Quick disbursement with end-to-end support until completion
Pros and Cons of Home Loan Balance Transfer
Advantages
Lower Interest Rates
Better Service
Top-up Facility
Tenure Flexibility
Better Features
Tax Benefits
Considerations
Processing Fees
Documentation
Time Investment
Property Valuation
Foreclosure Charges
Break-Even Period
What is a Home Loan Top Up?
A Home Loan Top Up is an additional loan amount that you can borrow from your existing home loan lender, using your property as collateral. It's like getting a second loan on top of your existing home loan, but at much lower interest rates compared to personal loans or credit cards.
Key Features:
- Interest rates similar to home loan
- Loan amount up to ₹50 lakhs*
- Tenure up to 30 years
- Tax benefits under Section 24
Only the best Balance Transfer Bank Partners
Kotak Mahindra
HDFC
SBI
Bajaj Finance
Axis Bank
TATA Capital
Bank Of Baroda
Karur Vyasya Bank
ICICI Bank
Bank Of India
IDBI Bank
IDFC First Bank
Canara Bank
LIC HFL
Punjab National Bank
IIFL
Aditya Birla Housing Finance Ltd
Sammaan Capital
Piramal Capital & Housing Finance
Aadhar Housing Finance Ltd.
Equitas Small Finance Bank
Aavas Housing Finance
South Indian Bank
Shriram Housing Finance
Mahindra Housing Finance
Ujjivan Small Finance Bank
Jana Small Finance Bank
Union Bank Of India
HSBC
Federal Bank
Grihum Housing Finance
L&T Housing Finance
RBL Bank
Cholamandalam
DCB Bank
WHY CHOOSE US
The Credit Dharma Advantage
 | creditdharma | Others |
|---|---|---|
Lowest Interest Rates offers | YES | NO |
Approval Time | 1-2 Weeks | 3-5 Weeks |
Lifetime Support | YES | NO |
Funding | Upto 100%* | Upto 85% |
Process | Simple & Digital | Loads of Paperwork, Branch Visits |
Credit Dharma Advantage
Home Loan Balance Transfer Guide
Get detailed answers to the most frequently asked questions, tailored for your peace of mind.