LAP Balance Transfer.
An existing loan against property can often be moved to a new lender for better pricing, higher quantum, or improved terms, once repayment history and property value support it.
Facility Migration · Better Pricing · Improved Terms
Where This Applies
- The existing loan against property carries pricing no longer competitive with the market.
- A clean repayment track record supports migrating to a new lender on better terms.
- Property value has increased since the loan was originally sanctioned.
- Higher quantum or longer tenor is available from a different lender.
How We Approach It
We benchmark the existing loan's pricing and terms against current market rates, then structure and negotiate a balance transfer to a new lender where the improvement genuinely justifies switching.
Why EquiFin
- Independent advisory — we structure and negotiate, we do not lend ourselves.
- 60+ active lender relationships across PSU banks, private banks, NBFCs and private credit funds.
- One point of contact from structuring through to disbursement.
Frequently Asked Questions
What is an LAP balance transfer?
An LAP balance transfer moves an existing loan against property to a new lender, typically for better pricing, higher quantum, or improved terms.
What supports an LAP balance transfer approval?
A clean repayment track record on the existing loan and an updated, higher property valuation typically support approval on better terms.
See what documents lenders typically ask for — Documents Required for a Corporate Loan →
60+ Active Lender Relationships · Independent Advisory, Not a Lender
Move Your Loan Against Property to Better Terms.
We negotiate the transfer and structure the new facility.
Discuss an LAP Balance Transfer