Just unfiltered advice for your home loan

Where we've got to

Numbers we're happy to be held to.

No asterisks, no "up to" hiding a worse figure underneath.

Why this needs fixing

You'll take a home loan once. They do it every day.

A commission-driven system versus someone who's never read a sanction letter. The spread goes to whoever knows more — usually not you.

Rather just ask first?

Send us the rate you've been quoted — we'll tell you on WhatsApp if it's competitive. A real advisor replies, not a bot.

Ask on WhatsApp

The arithmetic, before the pitch

A quarter of a percent doesn't sound like much.

On a loan this size, over this many years, it is. Move the numbers and see what a better rate is actually worth to you.

EMI at the offered rate —

EMI after improvement —

Lower every month by —

Total interest you don't pay — Over the full tenure, if you hold the loan to term.

If we can't beat what you already have, we'll tell you that — and you'll have lost nothing but a phone call.

See what you'd actually get

Indicative only — a standard reducing-balance EMI calculation, before processing fees, insurance and taxes. Your actual rate depends on your income, the property and the lender. This is arithmetic, not an offer.

The three ways to do this

Bank, broker, or Truva.

All three will get you a loan. Only one of them is on your side of the table.

Bank, broker and Truva compared
What differs	Bank	Broker	Truva
More than one lender compared	No	Sometimes	Yes
Independent of any single bank	No	Sometimes	Yes
Rate negotiated on your behalf	No	Sometimes	Yes
Paperwork handled end to end	No	Sometimes	Yes
Reviewed again after disbursement	No	No	Yes
Told plainly when not to switch	No	No	Yes
Costs you nothing	Yes	No	Yes

Yes Sometimes No

What actually happens

We fixed home buying. Now we're fixing home loans.

STEP 01

We start with your life, not the loan

Income, where the property is in its build, how your cash flow actually looks month to month.

STEP 02

We find the loan that costs you least

Not the one that pays the most commission. We compare structures and rates across lenders and show you the maths.

STEP 03

We handle the paperwork

Application through to disbursement. You sign things; we chase everything else.

STEP 04 — AND AFTER

We keep it optimised

Rates and regulations move, and so does your life. We review periodically and tell you when it's worth acting.

From people who did this

What our clients say.

Before you book

The questions everyone asks.

If it's free, how do you make money?

Lenders pay a distribution fee when a loan completes. That fee is the same regardless of which lender you pick, which is exactly why we can compare them honestly. You are never invoiced, and nothing is added to your rate.

Will I get spam calls after this?

No. We call at the slot you choose. Your number isn't sold, shared with lenders you haven't agreed to. One advisor owns your file and that's who you hear from.

What if my existing offer is already good?

Then we'll tell you to take it. It happens regularly. We'd rather lose a file than move someone for a saving that doesn't exist after fees.

I haven't found a property yet. Too early?

No — it's arguably the best time. Knowing what you'll actually be sanctioned, and on what terms, changes what you negotiate on the property itself.

Do you handle balance transfers on an existing loan?

Yes, and it's a large part of what we do. We'll model whether moving is worth it once processing fees, legal charges and the remaining tenure are counted — sometimes it isn't, and we'll say so.

Are you a lender?

No. Truva is a loan distributor. Approval, the final rate and all terms are decided by the lending institution, not by us.

Save up to 20 lacs on your home loan.

Get a straight answer

We've got it.

Real advisors, start to finish.