Every bank’s offer.One honest advisor.
We compare home loans from 20+ banks, NBFCs and housing finance companies, show you the lowest rates you qualify for, and stay with you until the loan is disbursed.
- Rating
- 4.82,000+ borrowers
- Disbursed
- ₹500Cr+in loans disbursed
Unbias advisor
Replies on WhatsApp
Hi! We’re buying a 2BHK. Need ₹60 lakh, I take home ₹95,000 a month. Which bank will approve this?7:42 pm
7 lenders fit your numbers. The lowest rates for 20 years:
- Bank A7.50%₹48,336/mo
- Bank C7.90%₹49,814/mo
- Bank D7.99%₹50,149/mo
Shall I send you the document list for Bank A?
7:44 pmOffers from 20+ banks, NBFCs and housing finance companies, including
You take a home loan once. Banks give out thousands every day.
So they know the rules and you are left guessing: which lender will say yes, what rate you will really get, and why the document list keeps growing. Getting it wrong can cost lakhs over the life of a loan.
Which bank will actually approve me?
Is 8.9% a good rate, or can I get lower?
My CIBIL is 712. Does that rule me out?
They’ve asked for more documents again. Why?
I’m paying 9.4% on my current loan. Can I switch?
Questions we hear from borrowers every week.
Every bank, compared. One person on your side.
Tell us about the home and your income once. Your advisor finds the lenders that will lend to you, shows you who is cheapest, and handles the rest with you.
We match you to lenders that fit
Your income, EMIs, credit score and property are checked against the rules of 20+ banks, NBFCs and housing finance companies. You only see offers you can actually get.
We rank them by interest rate, lowest first
The order is the rate. Nothing else moves a lender up your list, and your current lender is left off when you switch.
We do the paperwork with you
Your advisor sends the exact document list for your lender, checks your file before it goes in, and deals with the follow-ups.
We stay until the money is disbursed
The same advisor carries your file to disbursal, and you can follow every stage on your application tracker.
See your offers before you talk to anyone.
Move the sliders. After you apply, this is what you get: every lender that fits, cheapest first, with the EMI and what you would pay in total.
Between your best and costliest offer, over 20 years
₹15.9 lakh
- 1Bank ABankLowest rateRate 7.50%EMI ₹48,336Total payable ₹1.16 Cr
- 2Bank CBankLowest rateRate 7.90%EMI ₹49,814Total payable ₹1.20 Cr
- 3Bank DBankLowest rateRate 7.99%EMI ₹50,149Total payable ₹1.20 Cr
- 4Bank EBankLowest rateRate 8.00%EMI ₹50,186Total payable ₹1.20 Cr
- 5Bank FBankLowest rateRate 8.35%EMI ₹51,501Total payable ₹1.24 Cr
- 6Bank HBankLowest rateRate 8.85%EMI ₹53,406Total payable ₹1.28 Cr
- 7NBFC INBFCLowest rateRate 9.25%EMI ₹54,952Total payable ₹1.32 Cr
Doesn’t fit these numbers
- HFC BHFCLowest rateCaps EMI at 50% of income; yours would be 51%Rate 7.50%EMI ₹48,336Total payable ₹1.16 Cr
- Bank GBankLowest rateCaps EMI at 50% of income; yours would be 56%Rate 8.75%EMI ₹53,023Total payable ₹1.27 Cr
11+ more lenders are checked when you apply.
Illustrative example. Lender names are withheld and figures are indicative; your real offers appear when you apply.
Free, and seeing your offers doesn’t affect your CIBIL score.
Buying a home, or paying too much on one?
Buying a new homeApartment, independent house or villa, salaried or self-employed. Your existing EMIs are counted, so the offers are ones you can actually get.Home loans 
Already paying a home loanMove it to a lender that charges less. See the saving before you decide, add a top-up if you need one, and keep your current lender off the list.Balance transfer Always know where your loan is.
No more chasing the bank for updates. Your advisor checks your offer against the lender’s rules, collects your documents with you and submits the file. You follow every stage on your tracker, signed in with an OTP to your phone.
Already applied? Track your application- Application receivedYour numbers and the offer you picked are on file.Mon 5 Oct (done)
- Advisor reviewAn advisor checks your case against the lender’s criteria.Mon 5 Oct (done)
- Document collectionYou get the exact list this lender needs; we collect it with you.Tue 6 Oct (done)
- Submitted to lenderWith the lenderYour complete file goes to the lender, checked and in order.Thu 8 Oct
- ApprovedThe lender sanctions your loan.
- Final paperworkLoan agreement, property papers and the last signatures.
- DisbursedThe lender releases the loan amount.
An example file; timings vary by lender, property and how quickly documents come in.
What you can hold us to.
Free for you, at every stage.
You pay Unbias nothing. Any fee you pay is the lender’s own, and your advisor lists them before you commit.
Every lender that fits, cheapest first.
Lenders that won’t lend to you are left out rather than dressed up.
Your details go only where you send them.
We share your application only with the lenders you choose. We don’t sell your data.
No spam.
We contact you about your application, and nothing else.
Questions borrowers ask us
Is Unbias free to use?
Yes. Comparing offers, applying and working with an advisor costs you nothing at any stage. Any fees you pay are the lender’s own charges, such as processing fees, and your advisor lists them before you commit.
Which lenders do you work with?
More than 20 banks, NBFCs and housing finance companies, including State Bank of India, HDFC Bank, ICICI Bank, Axis Bank, Kotak Mahindra Bank, IDFC FIRST Bank, IndusInd Bank and LIC Housing Finance.
Will checking offers affect my CIBIL score?
No. Seeing your offers uses a soft check, which does not affect your credit score. A lender runs a full check only after you choose to apply with them.
How long does a home loan take?
With complete documents, approval can come in 3 to 5 working days. It depends on the lender and the property, and your advisor will tell you what to expect for your case.
What documents will I need?
Usually PAN and Aadhaar, address proof, income proof (salary slips and bank statements, or ITRs if you are self-employed) and the property papers. Your advisor sends you the exact list for the lender you pick.
Can I apply with informal or cash income?
Yes. Some of the NBFCs and housing finance companies we work with lend to borrowers with informal income. Your advisor will match you with them.
Talk to someone who knows every bank’s rules.
Message an advisor with your questions, or see your offers first and talk after. Either way, it costs you nothing.