LoanDeskby Sunrise Associates Call +91 98142 51534

Home loans

Is the rate you were promised the rate on your letter?

The rate on the phone is not the rate that matters. The one in your sanction letter is. Check it before you sign a ₹1 crore+ home loan.

Step 1 of 2 · 30 seconds

What do you need?
How much?

No documents, PAN or CIBIL score here. We don’t pull your credit report.

LoanDesk by Sunrise Associates is a loan advisor (DSA), not a bank or lender. Loans are subject to the lender’s approval and terms.

  • A call within 24 hours
  • A one-page written comparison, dated
  • If your current offer is the best fit, we’ll tell you

Three things to settle before you sign

These are the three places a large home loan most often surprises people.

  • The rate, in writing

    Ask for it with the benchmark and the spread, and the date it applies from.

  • Insurance

    Optional or required? Does the rate change if you decline? Get it in the letter.

  • Government charges

    Mortgage registration and stamp go to the state. Ask on what amount, and when they are due.

What your advisor checks

  • The written rate matches what you were told
  • Processing, valuation and legal charges are itemised
  • Insurance is optional on paper
  • Prepayment terms for your loan type
A residential apartment building with balconies in morning light

What you get

A call within 24 hours

From your advisor, on the number below.

Your options compared

Interest rate, charges, tenure and processing time across 22+ banks and NBFCs, one lender at a time.

One page in writing

Dated and itemised. If your current offer is the best fit, it says so. 2 working days

Tilak Raj Bansal, founder of LoanDesk, by his office window at dawn

Who is behind LoanDesk

Tilak Raj Bansal

Founder · Chandigarh

LoanDesk is led by Tilak Raj Bansal. An advisor from our team calls you from +91 98142 51534.

One advisor handles your file from the first call to disbursal.

How it works

  1. Tell us

    Loan type and amount. No documents.

  2. We call

    We ask what you need and what you were told.

  3. We compare

    One lender at a time, in writing.

  4. You decide

    No deadline from us.

When documents are needed, your advisor collects them in person or through a secure process. Never through this page or WhatsApp.

Come and see the desk

Offices in Chandigarh and Gurugram. Serving clients across India.

Questions people ask first

Is the rate on the phone the rate I will get?
Only the rate in the sanction letter counts. Ask for it in writing, with the benchmark and how it can change.
Is insurance compulsory?
Check your sanction letter. If it says optional, it is optional. Ask the branch to put anything else in writing.
Do I pay you anything?
No. You never pay us. The lender pays us when your loan is disbursed. If a lender charges its own processing fee, your advisor tells you the amount and its refund policy in writing before you pay it to the lender.
What documents do you need from me?
None to request a comparison. If you go ahead, your advisor gives you a list for your loan type and collects the documents in person or securely.
Are you a bank?
No. We are a loan advisor (DSA). We arrange loans with banks and NBFCs. Approval and terms are the lender’s decision.

Find out before you sign, not after.

30 seconds. No documents. A call within 24 hours.

Start my free comparison

LoanDesk by Sunrise Associates is a loan advisor (DSA), not a bank or lender. Loans are subject to the lender’s approval and terms.