Faqs - L&T Finance

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What is a Home Loan Top Up?

Home Loan top up is an additional loan that you can avail on your existing Home loan. Top up funds can be further utilised for personal expenses, home renovation, debt consolidation or any other requirements. It is secured against your property with competitive interest rates and flexible repayment options.

Who can avail of a Home Loan Top Up?

Any individual with an existing Home Loan with L&T Finance and meets eligibility criteria, such as having a good credit score, regular income and consistent repayment history on the current loan(s), can apply for a Top Up Loan.

How much of a Top up Home Loan can I get?

The amount you can borrow under a Top Up Loan starts from ₹ 3 lakh* to ₹ 7 Crore* depends on factors such as your outstanding loan balance, property value, and income. Check your eligibility by using calculator on L&T Finance website.

Can I avail of a Home Loan Top Up along with a balance transfer loan?

Yes, you can transfer your Home Loan to L&T Finance and apply for top up. Depending on your Home loan balance, property value, and income you can avail top-up for upto ₹ 7 Crore*.

What security will I have to provide for a Home Loan Top Up?

The property against which your original Home Loan was taken serves as security for the top-up. L&T Finance will continue to hold a lien on your property until the loan is repaid.

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