True all-in maths
We net every switching cost against the saving and the extra draw — no headline-rate illusions.
An old LAP is usually an over-priced LAP.
Loan Against Property Balance Transfer & Top-Up
If your loan against property was set up a few years ago, you are probably paying above today’s rate — and may be sitting on untapped value. A balance transfer resets the rate; a top-up releases more. We run the break-even math and the market, for a lower rate, a bigger draw, or both. CA-led. ₹4,250 Cr+ mobilised since 2011.
Balance transferTop-upAll-in cost modelled
A track record since 2011, in numbers
₹4,250 Cr+
Capital mobilised across sectors₹550 Cr
Largest single facility structuredBanks & NBFCs
Run in competition for your fileSince 2011
CA-led, senior on every fileLAP rates span a wide band and move with the repo rate, so a facility set up years ago is often well above today’s achievable rate — and the property has likely appreciated since. A balance transfer resets the rate; a top-up releases the new headroom. Over a long remaining tenor, even a small rate cut compounds into a large saving.
Finnova Advisory is an advisory firm — we structure the file and negotiate terms; the lender sanctions and disburses.
When to act
Four triggers to review your LAP
If any of these is true, your existing facility is worth re-running — we tell you straight whether it clears the switching cost.
TriggerMoveWhy
Your rate is above marketMost common MoveBalance transfer WhyMove to a cheaper lender; the saving compounds over the remaining tenor
Property has appreciated MoveTop-up WhyHigher value (or lower outstanding) creates LTV headroom to draw
Need fresh capital MoveTransfer + top-up WhyReset the rate and release new capital in one move
Income profile strengthened MoveTransfer + re-size WhyA stronger file can re-underwrite to better terms
We net foreclosure, processing, legal, valuation and any stamp-duty costs against the rate saving and extra draw — so you decide on the true all-in number, not the headline rate. See the full guide: LAP balance transfer & top-up.
Why Finnova
A straight read on whether to move
Four reasons existing LAP borrowers run the review through us.
We run all lenders
Banks and NBFCs in competition for your transferred file — the way to actually move the rate.
Re-size on today’s value
Appreciation, a lower outstanding or a stronger income profile can re-underwrite to a bigger, cheaper facility.
We manage the switch
Foreclosure, fresh sanction, valuation, documentation and mortgage transfer handled end to end.
Consultation
Get a free review of your existing LAP
Send us your current rate, outstanding and property — we tell you whether a transfer or top-up is worth it, and by how much. No pitch, no obligation.
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We’ve received your details. A senior member of our team will review them and get back to you within one business day. Everything you’ve shared stays strictly confidential.
FAQ
LAP balance transfer & top-up, answered
A balance transfer moves your existing LAP from one lender to another — usually to cut the interest rate, extend the tenor, or release additional capital at the same time (a top-up on transfer). Because LAP rates span a wide band across banks and NBFCs and move with the repo rate, an older LAP is often well above today’s achievable rate, and over a long remaining tenor even a small cut compounds into a large saving.
A top-up is additional capital raised on your existing LAP — typically when the property has appreciated, your income profile has strengthened, or you have paid down enough that the loan-to-value has room. It is often done together with a balance transfer, so you reset the rate and release fresh capital in one move.
When the all-in saving beats the switching cost. The triggers: your current rate is materially above market; you have a long remaining tenor (so the saving compounds); or you need fresh capital and a transfer-plus-top-up is cheaper than a new loan. We model the break-even before you move.
Expect foreclosure/prepayment charges on the existing loan (often nil or low on floating-rate facilities), fresh processing, legal and valuation fees, and stamp duty on the new mortgage in some states. We net all of these against the rate saving and any top-up so you decide on the true all-in number, not the headline rate.
We are an advisory firm, not a lender. We re-assess your existing LAP, run the market for a better rate or a larger draw, run the break-even math, and manage the transfer end to end — the lender sanctions and disburses.