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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

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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.

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serving over
18 Lac
unique clients
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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

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Disclaimer: Investment in securities and commodities market are subject to market risks, read all the related documents carefully before investing. SMC Global Securities Ltd. (CIN : U67120DL1997PLC188881): NSE INB/ INF/INE 230771431, BSE INB/INF 011343937, MSEI INB/INF 260771432, CDSL/NSDL-IN-DP-130-2015, SMC Research Analyst Registration- INH 100001849 I SMC Global Securities Ltd.: NCDEX/MCX (8200)/ NMCE/ICEX-INZ000035839 I SMC Global Securities Ltd.: PMS INP000003435 I SMC Insurance Brokers Pvt. Ltd., IRDAI Regi: No: DB 272/04, License No. 289 Valid from 28-01-2020 to 27-01-2023 I Registered Office: 11/6B, Shanti Chamber, Pusa Road, New Delhi-110005, Tel.: (011) 30111000. For any complaints email –, website:

The Stock Exchange, Mumbai is not in any manner answerable, responsible or liable to any person or persons for any acts of omission or commission, errors, mistakes and/or violation, actual or perceived, by us or our partners, agents, associates etc., of any of the Rules, Regulations, Bye-laws of the Stock Exchange, Mumbai, SEBI Act or any other laws in force from time to time.

The Stock Exchange, Mumbai is not answerable, responsible or liable for any information on this Website or for any services rendered by our employees, our servants, and us.
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.

Insurance is the subject matter of solicitation • All insurance products sold through SMC Insurance Brokers Pvt. Ltd. • Investment Banking Services provided by SMC Capitals Ltd. • Equity PMS and Wealth management services provided by SMC Global Securities Ltd. • IPOs and Mutual Funds distribution services are provided by SMC Global Securities Ltd. • Financing Services provided by Moneywise Financial Services Pvt Ltd. • Commodity broking services provided by SMC Global Securities Ltd. • Real Estate Advisory services are offered through SMC Real Estate Advisors Pvt. Ltd.

Filing Complaints on SCORES- Easy & quick

a. Register on SCORES portal

b. Mandatory details for filing complaints on SCORES:

i. Name, PAN, Address, Mobile Number, Email ID

c. Benefits:

i. Effective Communication

ii. Speedy redressal of the grievances"


Toll-free : 1800-11-0909

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