Loan Consultancy
The Right Loan. The Best Rate. Zero Runaround.
We compare 30+ banks and NBFCs on your behalf to get you the lowest interest rate, highest eligible amount, and fastest disbursement — completely free of charge.
₹75 Cr+
Loans Facilitated
620+
Happy Borrowers
30+
Lending Partners
72 Hrs
Avg. Disbursal Time
Why Use an our Services
Don't walk into a bank alone.
Most people apply to the first bank their salary is credited to — and pay a premium for that convenience. A 0.5% difference in interest rate on a ₹50 lakh home loan over 20 years amounts to over ₹6 lakh in extra interest. We make sure that never happens to our clients.
- Access rates unavailable on public portals
- Single point of contact across all lenders
- End-to-end document and application support
- No fee — ever — charged to the borrower
Going Direct to a Bank
- Limited to one lender's products
- No rate negotiation leverage
- Multiple hard inquiries hurt CIBIL
- You handle all paperwork alone
With LM Financials
- Compare 30+ lenders at once
- Negotiated rates on your behalf
- Single soft inquiry protects CIBIL
- Full documentation support, free
Borrow Smart,
Repay Faster
A loan is only a good decision when you borrow the right amount, at the right interest rate, with a repayment plan that fits your income. Most people end up paying far more than they need to because of poor loan structuring.
We help you compare lenders, negotiate better rates, and build a repayment plan that clears your debt as fast as possible — without hurting your monthly cash flow.
Loan Insight
Reducing your home loan interest rate from 9% to 8.5% on a ₹50 Lakh loan over 20 years saves you over ₹3.5 Lakhs in total interest — just by switching lenders or negotiating better.
Our Loan Distribution Services
- Home loan, personal loan, and loan against securities comparison
- Interest rate negotiation support with banks and NBFCs
- Loan against mutual funds for low-interest emergency funds
- EMI structuring to balance loan repayment with investments
- Balance transfer management when better rates are available
- Prepayment vs investment analysis to maximise your net worth
Management Standard
RBI Regulated Lending Partners
Explore Loans
What Are You Borrowing For?
Select a loan type to see interest rates, eligible amounts, typical timelines, and who it's best suited for.
Home Loan
Most PopularTenure: Up to 30 years
Your dream home deserves the best financing. We compare rates across 30+ banks and NBFCs — SBI, HDFC, ICICI, Axis, LIC Housing — to find you the lowest interest rate, best tenure, and highest eligible amount. Whether you're buying from a builder, through resale, or constructing on your own plot, we handle everything from application to disbursement.
Max Amount
₹10 Cr
Eligibility
Salaried / Self-Employed
Processing Time
5–7 working days
Key Highlights
- Interest rates from 8.40% p.a.*
- Loan amount up to ₹10 crore
- Tenure up to 30 years
- Tax benefit: Section 80C + Section 24(b)
Our Advantage
Why Thousands Choose LM Financials
We work for you — not the bank.
Bank-Agnostic Advice
We represent you — not the bank. We are unbiased, always recommending the best lender for your specific profile.
Rate Comparison
We compare 30+ lenders in real time so you always walk away with the most competitive interest rate available.
Faster Processing
Our relationships with lending partners mean dedicated queues and faster approvals than applying directly.
CIBIL Score Protection
We do a single soft inquiry to assess eligibility — protecting your credit score from multiple hard pulls.
Our Process
From Application to Disbursement
A five-step process designed to get your loan approved fast — with the least friction and the best possible terms.
Profile Assessment
We review your income, CIBIL score, existing obligations, and loan purpose to map the right lender and product.
Lender Shortlisting
We compare rates, tenure, and eligibility across 30+ banks and NBFCs to identify your best 3 options.
Document Preparation
Our team prepares and validates your document pack — minimising back-and-forth and rejection risk.
Application & Sanction
We submit the application, liaise with the lender, and track your sanction letter end to end.
Disbursement & Beyond
Once sanctioned, we guide you through legal clearance and disbursement — and stay available for the loan's lifetime.
Borrower FAQs
Questions We Get Asked Most
Straight answers before you apply — because informed borrowers make better decisions.
*Interest rates are indicative and subject to lender policies, CIBIL score, and income profile. LM Financials is a loan advisory service and not a lending institution.