by Sunrise AssociatesWho this is for
Salaried professionals and business owners buying a premium home, and people who suspect their current offer is not the best they could get.
What lenders read
- Your income, its stability and your existing commitments.
- The property: its legal title chain and the lender’s own valuation.
- Your repayment record and how much of your income the EMI would take.
| Typical ticket | ₹1 crore and above |
|---|---|
| Documents (later) | Your advisor gives you the list for your case |
| Rate | In your written summary, with the date it applies from |
How we handle it
You tell us the need
Loan amount, property and timeline, on a short call. We ask what you need first and your profile second.
We compare, you decide
We shortlist the lenders that suit your case and send a dated one-page comparison: rate, charges, tenure and processing speed.
We handle the file
Once you choose, we prepare the file the way that lender reads it and follow up until disbursal. One advisor throughout.
What we check first
The points where a large loan most often goes wrong, checked before you sign.
- The rate in writing, with its benchmark and spread, and the date it applies from
- Whether insurance is optional on paper and in the branch
- Every charge for your amount: processing, valuation, legal, and government charges
- That the tenure and EMI in the letter are the ones you agreed
Questions we are asked
What does a home loan advisor do?
An advisor sits between you and the lenders. We find out what you need, compare the lenders that fit your profile, prepare your file the way the chosen lender needs it, and follow up until disbursal. The lender decides approval and terms.
Do you only handle ₹1 crore and above?
That is our focus, because large loans are where rate, charges and file presentation make the biggest difference. Tell us your amount and we will say honestly whether we are the right fit.
Which documents will I need for a home loan?
The list depends on whether you are salaried or self-employed, and on the lender and property. Your advisor gives you the list for your case after you decide to go ahead. We never ask for PAN, Aadhaar or income documents through this website.
Is a home loan advisor cheaper than going to my own bank?
Not always, and we will tell you if your own bank is the best fit. One bank shows you one bank’s product. An advisor can show you several side by side, and what each would charge.
Are you a bank or lender?
No. LoanDesk by Sunrise Associates is a loan advisor (DSA). Loans are subject to the lender’s approval and terms.
Other loans we arrange
Offices in Chandigarh and Gurugram. Serving clients across India.
Find out before you sign, not after.
30 seconds. No documents. A call within 24 hours.