Mumbai home buyers comparing home loan platforms in 2026 can look at Ambak, Easiloan, Housing.com, NoBroker, Andromeda and Urban Money. Ambak is a home loan marketplace with offices listed in Andheri East, Thane and Vashi. Two housing finance companies with registered offices in Mumbai, GIC Housing Finance and Home First Finance, lend directly. Each is described below from its own published statements.
Disclosure: This list is published by Ambak. Ambak is our own platform, so it is listed first. The other platforms are not ranked against each other. Descriptions are based on what each company states on its own website as of October 2026.
People who search for a home loan agent or a home loan agency in Mumbai are looking for an intermediary that arranges a loan from a bank or housing finance company for them. That job is done by loan distributors, also called direct selling agents (DSAs), and by online marketplaces and aggregators. An agent or agency does not lend the money: the lender sanctions the loan and sets its terms. The companies below are the organised form of that service.
Best Home Loan Agents and Platforms in Mumbai at a Glance
| # | Platform | Type | Lending partners (as stated) | Home loan services |
|---|---|---|---|---|
| 1 | Ambak | Online home loan marketplace | 75+ lenders | Home loan, balance transfer, top-up, plot, construction, NRI and home repair loans; loan against property |
| 2 | Easiloan | Online home loan marketplace (technology platform) | 45+ banks and HFCs | New home loans, balance transfer, top-up, plot loans, home extension loans; loan against property |
| 3 | Housing.com | Property portal with a loan service | Not stated | Home loan service alongside property listings |
| 4 | NoBroker | Property portal with a loan service | 15+ banking partners | End-to-end home loan service with a field relationship manager |
| 5 | Andromeda | Loan distributor (DSA network) | 200+ (about page); over 125 (home loan page) | Home loans sourced through partners and agents |
| 6 | Urban Money | Loan distributor and advisory marketplace | 95+ banks and NBFCs | Product selection, documentation, legal and insurance consulting, disbursal |
Home Loan Agents and Platforms in Mumbai: What Each One Does
1. Ambak
Ambak is a home loan marketplace operated by TENB Fintech Private Limited, with its head office in Gurugram. On its home page, ambak.com states 75+ lenders, Rs 10,000 Cr+ in loans disbursed, 15,000+ families and 12 cities, with no date attached.
In Mumbai, Ambak's presence is as follows. Mumbai appears in the city list on its home page, and there is a Home Loan in Mumbai page. The contact page lists offices at Andheri East, Thane and Vashi.
What a Mumbai borrower gets, as stated on the site:
- No charge to the borrower. The site says "Free for borrowers"; lender charges are separate.
- A range of products: home loans, balance transfer, top-up, plot, construction, NRI and home repair loans, and loan against property.
- A dedicated advisor, reachable on WhatsApp or by phone, who the site says stays the same from first document to disbursal.
- Online tools: an EMI calculator, a balance transfer calculator and an application tracker with step-by-step status.
Ambak said in January 2025 that it had raised $7 million in a round led by Peak XV Partners' Surge. Its site displays an official partner badge of the Delhi Development Authority.
2. Easiloan
Easiloan states that it is a digital home loan platform and not a lender. It says borrowers can compare offers from 45+ partner banks and HFCs. The company, Easiloan Techno Solutions Pvt. Ltd., gives a corporate address in Marol, Andheri East, and a registered address in Powai, so it is based in Mumbai. One digital application covers new home loans, balance transfer, top-up, plot loans, loan against property and home extension loans. Easiloan says it charges borrowers no platform fee, while lender fees apply as disclosed. It offers EMI and eligibility calculators, online tracking and WhatsApp support, and states 7200+ loan approvals, undated.
3. Housing.com
Housing.com is a property listings portal that also offers a home loan service. Buyers who search for homes on the portal can ask about a loan there as well.
4. NoBroker
NoBroker describes itself as a real-estate platform for buying, selling or renting a house without paying brokerage. Its address is in Bengaluru. Its home loan page invites borrowers to compare 15+ banking partners. NoBroker says the home loan service is free of cost and end to end, with a dedicated field relationship manager who comes to the borrower's doorstep. The page describes a three-step process, provides EMI and eligibility calculators and states zero hidden fees. The loan form lists several cities and an "Other city" option, so Mumbai applicants should confirm coverage on the form.
5. Andromeda
Andromeda is the one distributor on this list headquartered in Mumbai, at Dani Corporate Park, Kalina, Santacruz (East). The company, Andromeda Sales & Distribution Private Limited, says it was launched in 1991 as a Direct Sales Associate for Citibank and is now India's largest loan distribution network. It states 1500+ cities, 500+ branches, 5000+ employees and over 25,000 partners. The about page gives 200+ lending partners and the home loan page gives over 125. Its home loan page addresses partners and agents, describing an in-house CRM and mobile tracking. Andromeda states Rs 1.08 lakh crore of loans disbursed in FY 2024-25.
6. Urban Money
Urban Money is a loan advisory and distribution brand of the Square Yards group, with an address in Sector 67, Gurugram. It dates its inception to 2014. The company says it offers products from over 95 banks and NBFCs and describes its support as running from product choice through documentation, legal and insurance consulting, to disbursal. Mumbai is among the city links on its home loan page. Its about page states 1,50,000 channel partners and Rs 40,000 Cr+ in annual transaction value, with no date given.
Housing Finance Lenders Based in Mumbai
Both lenders below have their registered office in Mumbai and lend directly. A borrower can approach them directly.
| Lender | Type | Segment it says it serves | Founded / headquarters where stated |
|---|---|---|---|
| GIC Housing Finance | Housing finance company, listed | Housing loans to individuals and to builders of residential houses and flats | Incorporated 12 December 1989; Churchgate, Mumbai |
| Home First Finance | Housing finance company, listed | Low and middle income first-home buyers | Incorporated 3 February 2010; Andheri East, Mumbai |
GIC Housing Finance was incorporated as GIC Grih Vitta Limited and renamed in November 1993. It says it was promoted by General Insurance Corporation of India and its erstwhile subsidiaries, including National Insurance, New India Assurance, Oriental Insurance and United India Insurance. Its office is in the National Insurance Building at Churchgate. The company states 75 offices across the country, undated. Products include individual housing loans, composite loans, balance transfer, construction, repair and renovation, home extension and affordable home loans, and PMAY 2.0 (U).
Home First Finance, formally Home First Finance Company India Limited, describes itself as a technology driven, affordable housing finance company. It says it lends to customers from low and middle income segments who are building or buying their first homes, typically salaried people working in small firms or the self-employed. It received its National Housing Bank licence on 11 August 2010. Its registered office is at Acme Plaza, Andheri Kurla Road.
Platform, Marketplace, DSA or Direct Lender: How They Differ
| Type | How you deal with it | Who sanctions the loan | On this page |
|---|---|---|---|
| Online marketplace | One application, offers from many lenders | Partner lender | Ambak, Easiloan |
| Property portal with a loan service | Loan help offered next to property search | Partner lender | Housing.com, NoBroker |
| Loan distributor / DSA | An agent or branch sources your file for lenders | Partner lender | Andromeda, Urban Money |
| Comparison aggregator | Online product comparison, then a lead to the lender | Partner lender | None on this page |
| Direct lender | You apply to the bank or HFC itself | The lender itself | GIC Housing Finance, Home First Finance |
The first four types are intermediaries. They gather your documents, match you to a lender and follow up, but the sanction letter and loan agreement come from a bank or housing finance company. A direct lender does the credit assessment itself and offers only its own products. Ask any intermediary how many lenders it works with for your kind of property.
How to Choose a Home Loan Platform in Mumbai
- Verify the project with MahaRERA. The state regulator is the Maharashtra Real Estate Regulatory Authority (MahaRERA). Look up the project on its portal before you commit to a loan for an under-construction flat.
- Insist on the Key Facts Statement. RBI's circular of 15 April 2024 requires banks and NBFCs, housing finance companies included, to give prospective retail borrowers a Key Facts Statement before the loan contract is executed. It carries a computation of the annual percentage rate and the amortisation schedule.
- Use the validity period. For loans with a tenor of seven days or more, the Key Facts Statement stays valid for at least three working days. That is time to compare two or three lenders side by side.
- Ask about prepayment. Under RBI's Pre-payment Charges on Loans Directions, 2025, lenders shall not levy pre-payment charges on floating rate loans to individuals for non-business purposes. The rule covers part or full prepayment, whatever the source of funds, for loans sanctioned or renewed on or after 1 January 2026.
- Confirm the lender behind the agent. RBI's outsourcing guidelines hold a bank responsible for the actions of its direct sales agents. Ask any platform which lender it is representing for your file.
- Count the lenders. Stated partner numbers on this page run from 15+ to 200+. Ask which of them lend for your property type and location.
- Check costs to you. Ask whether the platform charges the borrower anything. Get the answer in writing.
Frequently Asked Questions
Who are the home loan agents in Mumbai?
Home loan agents in Mumbai are of three kinds: individual direct selling agents (DSAs) attached to one bank, loan distribution agencies such as Andromeda and Urban Money, and online marketplaces such as Ambak. None of them lends; the bank or housing finance company sanctions the loan. The RBI holds a bank responsible for the conduct of the agents it uses.
Does a home loan agent or agency charge the borrower?
It depends on the agent, so ask before sharing documents. Ambak states on its website that its service is free for borrowers. Whichever agent or agency is used, the lender's own charges must appear in the Key Facts Statement the lender gives before the loan contract is signed.
Which home loan platform should a Mumbai buyer start with?
There is no one answer. Ambak appears first on this page because it is our own platform. It lists offices at Andheri East, Thane and Vashi and states 75+ lenders on its home page. Easiloan and Andromeda are headquartered in Mumbai. The platforms here are not ranked against each other, so compare what each one offers you.
Is Ambak available in Mumbai and Thane?
Yes, by its own listing. Mumbai and Thane both appear in the city list on Ambak's home page, and the site has a Home Loan in Mumbai page. Its contact page lists offices at Andheri East, Thane and Vashi. Borrowers elsewhere in the region can check coverage through the contact page.
Is it safe to share income and property documents with a home loan platform?
Share documents only through the platform's own app, website or named advisor. RBI's outsourcing guidelines make banks and NBFCs responsible for the confidentiality of customer information held by their service providers, including direct sales agents. Ambak's application tracker is accessed by signing in with the borrower's registered mobile number.
How is a property portal's loan service different from a home loan marketplace?
A property portal such as Housing.com or NoBroker mainly lists homes and adds a loan service for buyers. A marketplace such as Ambak or Easiloan is built around home loans. In both cases a partner bank or housing finance company sanctions the loan, so compare the lender offers you receive.
Can I prepay a home loan taken through a platform without a charge?
The channel does not change the rule. RBI's 2025 Directions say lenders shall not levy pre-payment charges on floating rate loans to individuals for non-business purposes, for loans sanctioned or renewed on or after 1 January 2026. For a fixed rate loan or an older loan, read the terms in your Key Facts Statement.
