Residential Property LAP.
A loan against a residential property unlocks capital against an owned home or residential asset, structured around the property's valuation and the borrower's income profile.
Residential Asset-Backed Capital · LTV Structuring · Flexible End-Use
Where This Applies
- An owned residential property can be pledged as security for a loan.
- Capital is needed for business, education, medical or other personal purposes.
- The borrower's income profile needs to support the loan's repayment obligations.
- Clean title and updated valuation are needed before the loan can be structured.
How We Approach It
We work through the residential property's valuation, title and the borrower's income to structure a loan against property at a loan-to-value that reflects the asset's genuine, current market value.
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 residential property LAP?
Residential property LAP unlocks capital against an owned home or residential asset, structured against the property's valuation and the borrower's income.
Can a self-occupied home be used for LAP?
Yes, a self-occupied residential property can typically be pledged for a loan against property, subject to clean title and valuation.
See what documents lenders typically ask for — Documents Required for a Corporate Loan →
60+ Active Lender Relationships · Independent Advisory, Not a Lender
Unlock Capital From an Owned Residential Property.
We structure the loan against the home's genuine market value.
Discuss Residential Property LAP