Unlock the Value of Your Property
Explore property-backed financing options with clear guidance on eligibility, documentation and lender requirements.
Understanding Mortgage Loan
What is a mortgage loan?
A mortgage loan is financing secured against property you own. You continue to use the property while it is pledged as security with the lender.
What can it be used for?
Larger financial needs such as business requirements, education, medical expenses, family events or consolidating existing debt — subject to lender policy.
Who may consider it?
Property owners — salaried or self-employed — who need a higher amount or a longer repayment period than an unsecured loan may offer.
Typical loan structure
The amount offered is a percentage of the property's assessed market value, repaid through EMIs over an agreed tenure.
Key Features & Use Cases
Availability of each option is subject to lender policy.
Residential property
Financing against an eligible self-occupied or rented home.
Commercial property
Options against shops, offices or other eligible commercial premises.
Business requirements
Funds for expansion, inventory or other business needs.
Personal needs
Education, medical or family expenses requiring larger funding.
Debt consolidation
Combining existing high-cost borrowings, where suitable and subject to lender policy.
Continued property use
You keep occupying or renting out the property during the loan tenure.
Typical Eligibility
Factors usually considered:
- Ownership and clear title of the property
- Property type, location and market value
- Income and repayment capacity
- Credit history
- Existing loans and obligations
- Age and profile of applicant and co-owners
Eligibility criteria may vary depending on the lender, applicant profile, income, credit history, property and other applicable factors.
Documents Typically Required
Basic KYC
- Identity proof (Aadhaar, passport, voter ID, etc.)
- Address proof
- PAN card
- Recent passport-size photographs
Income documents
- Salary slips and Form 16 (salaried)
- ITRs and financial statements (self-employed)
- Bank statements
Property documents
- Title deed and chain documents
- Approved plan and occupancy papers, where applicable
- Latest property tax receipts
- Encumbrance details, if requested
Additional documents may be requested by the respective lender based on the applicant and transaction.
How the Process Works
- 01
Share Your Requirement
Tell us what you need through the form, WhatsApp or a call.
- 02
Profile & Document Review
We understand your profile and review the documents.
- 03
Explore Suitable Options
We help you compare options from our lending network.
- 04
Application & Lender Coordination
We assist with the application and coordinate with the lender.
- 05
Approval / Disbursement
As per the lender's process and assessment.
Guidance You Can Rely On
Personalised Guidance
Advice shaped around your situation.
Multiple Financial Solutions
Loans and insurance under one roof.
Transparent Communication
Clear updates, no hidden surprises.
End-to-End Assistance
Support from enquiry to completion.
Lender Coordination
We follow up so you don't have to.
Mortgage Loan — Frequently Asked Questions
What is the difference between a mortgage loan and a home loan?
A home loan funds buying or building a home; a mortgage loan uses a property you already own as security for other financial needs.
Can I continue to live in the mortgaged property?
Yes, you usually keep full use of the property while repaying the loan.
How much can I get?
It depends on the property's assessed value, your income and the lender's policy.
Can a jointly owned property be used?
Generally yes, but all co-owners are typically required to be part of the loan.
How long does processing take?
Timelines depend on legal and technical verification of the property and the lender's process.
What happens to the property documents?
Original documents are usually held by the lender and returned after the loan is fully repaid.
Looking for the Right Mortgage Loan Solution?
Share your requirement and let our team help you explore suitable options.
Arthmitra Financial Services facilitates financial assistance and acts as an intermediary/channel partner where applicable. Approval, eligibility, interest rates, premiums, terms, documentation and other conditions are subject to the respective financial institution or insurer’s policies.