Shift your outstanding loan to a better rate — with an honest cost-benefit calculation before you commit.
Interest rates move. Your old loan's rate doesn't, unless you make it. A balance transfer moves your outstanding from one lender to another at a lower rate — and often includes a top-up in the same transaction.
We do the honest maths before recommending the switch: foreclosure charges, new-loan processing fees, remaining tenure and the actual rate delta. If a rate-reset with your current lender is cheaper, we'll say so.
Talk to an AdvisorA genuine rate drop shrinks your monthly outgo straightaway — the effect compounds over remaining tenure.
Most BT files qualify for a top-up against the transferred amount — often cheaper than a fresh personal or business loan.
We calculate foreclosure, processing fees, remaining tenure and real rate delta — and only recommend the switch if the math favours you.
Re-set the tenure to suit current cash-flow — extend for comfort, or shorten to accelerate payoff.
Home loans, loans against property, and business loans can all be transferred — with different break-even maths for each.
Sometimes a rate-reset with your existing lender is the smarter move. We'll tell you when that's the case.
Send us your loan details — we'll run a free cost-benefit calculation, no obligation to switch.