• SMC open account icon Open an A/C
    • Open an A/C
    • Trading A/c
    • Mutual Fund A/c
    • NBFC A/c
    • NPS A/c

Mortgage Advisory


SMC Investments & Advisors Ltd. provides independent and professional mortgage advice to those seeking loans. When you engage in the services of SMC, the entire process of taking a loan - managing the documentation to disbursal - is handled by us.

Why Mortgage with SMC

We are Independent and not exclusive to any mortgage provider. As a result you always get the best possible solution and deals based on advice that is completely impartial. Equally important, SMC helps you choose the best home loan and loan against property provider from the entire banking and financial institutions.


Home Loan

Any one Require that to purchase Home. (Primary or Secondary Market)

Plot & Construction Loan

To purchase plot or anyone who got allotment of plot from Authorities

Loan against Commercial Purchase

To purchase commercial property or anyone who got allotment of Commercial from competent Authorities

Lease Rental Discounting

Anyone having Rentals coming to his company or Individual name

Balance Transfer

Balance Transfer of Running existing loan for Top-Up or lesser interest Rate from any Bank/NBFC to other

Loan Against Property

Anyone requires Loan for his Business or some specific purpose

Working Capital Requirement

Majorly these loans falls under SME Segment

Construction Finance

Any builder require Loan for the construction of Project

Business Loan

Anyone require loan for the purpose of business, these cases are less than 1 Crores, not falls under normal Mortgage category

Personal Loan

Clean Loans for shorter & personal requirements

Loan Against Shares

Loans against shares that are registered

I m Interested in

Eligibility Criteria

  • Liquid Income -
  • Vanilla Calculated on Pure Income Based
  • Double Whammy -
  • Consider LTV (Loan to Value) and FOIR (Funded obligation income Ratio) to arrive at eligibility
  • Gross Turnover -
  • Calculate eligibility on gross turnover, even if the profits are low or not there in Financials
  • Industry Margin -
  • Every Bank/NBFC have their on industry margins for each business category to arrive at exact eligibility
  • Gross Receipt -
  • Mostly this method is used incase of Doctors and Chartered Accountants to arrive at eligibility for Loan
  • Liquid Income -
  • This method is used, where business persons are having their majority income in cash, less in Financials
  • Banking Surrogate -
  • To arrive at the eligibility, 2 years banking statements credits are used
  • No Income Product -
  • This method is used where the value of the property is very high and customer is having less income in Financials
  • Repayment Track -
  • Anyone having existing running loan for HL/LAP and Track Record for minimum 12 months and above to arrive eligibility
  • Gross Profit Margin -
  • To arrive at the eligibility basis Gross Profit Margins for Self Employed
  • Third Party LAP -
  • Where the property is coming from third Party, but Financials are evaluated for main borrowers
  • Reverse Mortgage -
  • We will start from April, its for Old Age People those have no income and want to Mortgage their property to generate income
  • Dropline OD -
  • Overdraft or Drop Line Overdraft against Property for the business people as per their refrences

Process Flow - Login Disbursement

About SMC

Established in 1990, SMC is one of the leading and well-diversified financial services companies in India offering services across brokerage (across the asset classes of equities (cash and derivatives), commodities and currency), investment banking, wealth management, distribution of third party financial products, research, financing, depository services, insurance broking and clearing services and real estate advisory services to corporate, institutional, high net worth individuals and other retail clients.

people icon
serving over
18 Lac
unique clients
add people
Workforce of
Presence in500+ cities & oversease offices in Dubai
large network of
2,500+ sub-brokers & authorised persons
secure wallet
Cumulative AUM under Mutual Funds 3,000+ crores
*As on 31st March 2018

Follow us:

  • fb icon
  • Twitter icon
  • Linkedin
  • you tube
  • Instagram


SMC Global Securities Ltd | CIN : L74899DL1994PLC063609 | Registered Office: 11/6B, Shanti Chamber, Pusa Road, Delhi-110005. | Tel +91-11-30111000 | Compliance Officer: Mr. Ashok Kumar Aggarwal | Tel 011-30111000 Extn. 170 || Customer Care Email –| Complaint Email –| website:

SEBI Reg. No. INZ000199438, Member: NSE (07714), BSE (470), MSEI (1002), MCX (8200) & NCDEX (00021). DP SEBI Regn. No. CDSL/NSDL-IN-DP-130-2015, SMC Research Analyst Registration- INH100001849, Mutual Funds Distributor ARN No. 29345. •Insurance services are offered through SMC Insurance Brokers Pvt. Ltd. IRDAI Regn. No: DB 272/04 License No. 289 Valid upto 27/01/2026. • Real Estate Advisory services are offered through SMC Real Estate Advisors Pvt. Ltd.

Disclaimer: Investment in securities market are subject to market risks. Read all the related documents carefully before investing. Mutual Fund investments are subject to market risks. Read all scheme related documents carefully. PMS is not offered in commodity derivative segment. Insurance is the subject matter of solicitation. Registration granted by SEBI and certification from NISM in no way guarantee performance of the intermediary or provide any assurance of returns to investors. Past performance should not be taken as an indication or guarantee of future performance, and no representation or warranty, express or implied, is made regarding future performance. The price, value of and income from any of the securities or financial instruments mentioned in this report can fall as well as rise.The securities are quoted as an example and hot as a recommendation.

By submitting your details to SMC, you are authorizing us to send promotional communication through Call/Email/SMS/Whatsapp even though you may be registered under DND.


Toll-free : 1800-11-0909

Plus Minus 
Copyright ©2016-2024 SMC. All Rights Reserved | Disclaimer | Privacy Policy | Copyright| Testimonials| Sitemap| Grievance|Terms And Conditions| design agency: triverse| Powered by C-MOTS Infotech (ISO 9001:2015 certified)

Open my trading account now!  X 

* All fields are compulsory