Loan advisory · Chandigarh · Mohali · Panchkula
The same loan,
at a lower rate.
Lenders quote you what you accept. We put your file in front of Kotak, HDFC, Axis, ICICI and a panel of private lenders, compare every sanction and negotiate the spread down before you sign.
Get my best rate- Rates from
- 8.35%
- Lenders on panel
- 20+
- Cost to you
- Nil
Sanctions arranged with
Your loan consultant for Chandigarh, Mohali and Panchkula
RateWise is an independent loan advisory based in Industrial Area, Sector 75, Mohali. We help salaried professionals, self-employed individuals and business owners across the Tricity find the right loan — home loans in Chandigarh, business loans in Mohali and Panchkula, loan against property, working capital and MSME finance — and get it sanctioned at the lowest rate their profile allows.
We are not a bank. We compare offers from Kotak, HDFC, Axis, ICICI and a panel of NBFCs, negotiate on your behalf and manage the paperwork until disbursal. Lenders pay us after your loan is disbursed, so our advice is free for you. Call +91 70096 08770 or visit our Mohali office.
What are you borrowing for?
From
8.35%
Home Loan
Purchase, balance transfer & top-up
₹5 L – ₹10 Cr · Up to 30 years
See eligibilityFrom
10.49%
Personal Loan
Unsecured, for salaried & self-employed
₹50 K – ₹50 L · Up to 7 years
See eligibilityFrom
9.25%
Business Loan & LAP
Working capital & loan against property
₹5 L – ₹25 Cr · Up to 15 years
See eligibilityFrom
8.75%
Car & Other Loans
New, used vehicles and top-ups
₹1 L – ₹2 Cr · Up to 8 years
See eligibilityThree steps, one application
01
Share your profile
Income, obligations and what you need. Five minutes on the phone, no paperwork yet.
02
We shop the market
Your file goes to the lenders most likely to approve it. We compare sanctions side by side and push the rate down.
03
Sign and disburse
You pick the offer. We chase the documentation, valuation and legal so disbursal doesn't stall.
Work out your EMI
Move the rate by half a percent and see what it does over twenty years. That gap is what we negotiate for.
Monthly EMI
₹26,035
- Principal
- ₹30,00,000
- Total interest
- ₹32,48,327
- Total payable
- ₹62,48,327
Questions we get asked
Which areas do you serve?
Chandigarh, Mohali and Panchkula, plus Zirakpur, Kharar, New Chandigarh and the wider Tricity. Our office is in Industrial Area, Sector 75, Mohali, and much of the process can be handled over phone and WhatsApp.
What does RateWise charge me?
Nothing. We are paid a distribution fee by the lender once your loan is disbursed, so our service is free for you as a borrower.
Will applying hurt my credit score?
We assess your profile first and approach only the lenders likely to approve you, which keeps hard enquiries on your credit report to a minimum.
How long does approval take?
Personal loans are often sanctioned in 24–72 hours. Home loans and LAP typically take 7–15 working days, mostly driven by property and legal checks.
My credit score is low. Can you still help?
Often yes. Several NBFCs and private lenders we work with underwrite on income and collateral rather than score alone, though the rate will be higher.
Can I move my existing loan to a cheaper lender?
Yes — balance transfers are one of the biggest savings we find. We compare your current rate against fresh offers and calculate whether the switching cost is worth it.