âś± LOAN DEPARTMENT
Home loans in Udupi & Mangalore
We spent 15 years inside banks, in the credit analysis departments that decide who gets a loan and how much. Now we use that to get you the largest loan you actually qualify for, at the bank most likely to say yes.
You pay us no fee. No file charges, no upfront payment. Our income comes from the builder or seller side. You pay only the bank’s own processing fee, directly to the bank.
Rates, eligibility and bank policies change often. Call us for the figures that apply on the day you apply.
Curious what you can borrow? Just ask.
Send us a few details and we will come back with a realistic figure — the amount a bank is likely to sanction for your profile, not a guess. It costs you nothing, and you are under no obligation to apply.
Usually replies within a few hours · Mon–Sat, 9am–7pm
15+
Years in the home loan industry
7
Banks we work with directly
â‚ą0
Our fee to you
24 hrs
To a bank shortlist
What we actually do
Every bank reads an income statement its own way. Two banks looking at the same ITR can arrive at eligibility figures that differ by several lakhs. We know how each bank reads a file because we used to be the people doing it. So we look at your papers first and tell you where the money is, before you apply.
Deep expertise, direct advantage
Years inside banks
Our team spent over a decade in bank credit analysis departments. We know how each lender reads your file.
Direct bank relationships
We work directly with major lenders in Udupi and Mangalore. No middlemen. No delays. Direct access to decision-makers.
Hours to bank shortlist
Bring your papers on a Monday morning. By Tuesday we have a ranked list of the banks most likely to approve you.
File handled directly
Your loan application gets personal attention from the person who evaluated it. No handoffs. No call centers.
Loans we arrange
Housing & construction loan
To build on land you already own, or to buy land and build on it together.
House / flat purchase loan
For a ready or under-construction house or apartment.
Plot purchase loan
For a residential or commercial site. Fewer banks fund non-RERA land — we know which ones do.
Takeover & top-up
Move a running home loan to a lower rate, and draw extra funds on top if you qualify.
Loan against property
Raise funds against a property you already own, for business or personal need.
Land & commercial loan
Industrial, commercial, residential and vacant land.
Who handles your file
Ajay Pandit
Executive Director — Finance
I hold an MBA and bring 15 years of banking experience in home loans. I handle every application directly—including NRI cases—so when you call, you speak directly with the person evaluating your file.
+91 93809 39961Straight answers before you come in
- We charge you nothing. Our income comes from the builder or seller side. You pay only the bank's own processing fee, directly to the bank.
- We cannot promise a sanction. The bank decides, not us. What we can do is make sure your file goes to the bank most likely to approve it, in the form it wants.
- We will tell you if the answer is no. If your profile does not support the loan you want today, we say so on day one and tell you what to fix. We do not keep you applying.
- No pressure calls. One clear answer, then we leave you to decide.
Common questions
What do you charge for home loan assistance?
Nothing. You pay us no fee. Our income comes from the builder or seller side of the transaction. You pay only the bank's own processing fee, directly to the bank.
How is my home loan eligibility calculated?
Each bank reads your income differently. We look at your ITR, salary or business income, existing EMIs, and credit history, then apply each bank's own credit policy to see what that specific bank will sanction. The same profile can get different amounts at different banks, which is why the bank you choose matters.
My loan was rejected by one bank. Can you still help?
Often yes. A rejection usually means that bank's policy did not fit your profile, not that no bank will lend to you. We look at why it was rejected and whether another lender reads the same file differently. If no bank will approve it today, we tell you that and explain what to fix first.
Which banks do you work with in Udupi and Mangalore?
SBI, HDFC, Axis Bank, Bank of Baroda, Canara Bank, Karnataka Bank, and several co-operative banks common in coastal Karnataka.
What documents should I bring to the first meeting?
Bring your last two to three years of ITR, recent salary slips or business bank statements, PAN and Aadhaar, and details of any running loans. If you have already chosen a property, bring its documents too. If you do not have everything, come anyway and we will tell you what is missing.
Do you handle NRI home loans?
Yes. Ajay Pandit handles NRI files directly. The documentation is done by our office, not passed to a third party.
Come and talk to us
Bring your ITR. We will tell you your number the same day.
Hours
Monday to Saturday
9:00 AM – 7:00 PM