3 BHK Sky Residence — ₹1.2Cr sanction in 6 days
Compared 4 lenders, saved 0.35% vs. builder's tie-up.
Result: Saved ₹9.8L in interest over the tenure.
View property
UrbanEarth Home Loans
Home loans without the runaround — best rates, one point of contact
We compare offers from 15+ lenders and manage the paperwork for you. Zero broker fees, transparent rate breakdown.
- Compare 15+ lenders
- Zero broker fees
- Doorstep documentation
1,200+
Loans disbursed
15
Lenders on panel
7 days
Avg approval time
Yes
Best-rate guarantee
How we work
A predictable, documented process
Step 1
Eligibility
5-minute check across 15 lenders — no impact on your credit score.
Step 2
Compare offers
Side-by-side rate, tenure, and processing fee comparison.
Step 3
Documentation
Doorstep pickup, lender-side liaison, follow-up managed.
Step 4
Disbursement
We track sanction to disbursement so you don't have to call the bank.
Packages
Transparent starting prices
Every quote is line-itemed and fixed at signing. Final price depends on scope, materials, and site conditions.
Home purchase
Ready or under-construction
Starting from
8.35% p.a.
- Up to 90% LTV
- Tenure up to 30 years
- Salaried + self-employed
Most popular
Balance transfer
Existing loan refinance
Starting from
8.10% p.a.
- Lower rate
- Top-up available
- Zero pre-closure charges
Plot + construction
Composite loans
Starting from
8.75% p.a.
- Plot + construction combined
- Staged disbursement
- Longer moratorium
Recent work
Case studies from the last 12 months
Devanahalli plot + villa construction
Composite loan structured with staged disbursement.
Result: Zero pre-construction interest wasted.
View propertyNandi Foothills weekend home
Non-standard property, negotiated with 3 lenders.
Result: Sanction against a farmhouse — usually a hard 'no'.
View propertyFrom our clients
Real words from real homeowners
"They found a rate 0.4% lower than my bank's 'best offer'. The math over 20 years was insane."
"Doorstep documentation was the difference between doing this and giving up."
"Balance transfer done in 12 days. Painless."
Frequently asked
Straight answers, no jargon
Do you charge me?
No — lenders pay us on disbursement. You pay only bank processing fees, which we help negotiate down.
Will checking eligibility hurt my credit score?
No — we use soft-pull eligibility across lenders. Only when you accept an offer does a hard pull happen.
How much can I borrow?
Typically 60–80x monthly net income for salaried, 4–6x annual net profit for self-employed. Property value caps LTV at 75–90%.
What documents do I need?
KYC, income proof (3 months salary slips or 2 years ITR), bank statements (6 months), and property papers.
Can NRIs apply through you?
Yes — NRI home loans through banks with dedicated NRI desks. We manage the extra documentation.
Do you help with balance transfer?
Yes — we compare your current EMI against 15 lenders. If we can't save you at least 0.25%, we say so upfront.
See it live
Properties where we've done this
Every project below is a real handover in North Bangalore.
Ready to start with Home Loans?
Speak to a specialist today — free consultation, no obligation. We reply within one business day.