Priya S.
Bengaluru
Saved ₹6.2L over tenure
"Switched my home loan from 9.10% to 8.35% with Butter. The transfer was fully digital — I didn't visit a single branch."
Lender
HDFC Bank
Loan Amount
₹78L
Save up to Rs. 8 lakh
on your home loan
We negotiate with 40+ lenders to get you the lowest interest rate.
Your Home Loan ExpertSave up to Rs. 8 lakh
on your home loan
We negotiate with 40+ lenders to get you the lowest interest rate.
Why we're not like the others
Traditional platforms treat you like a lead. We treat you like a client. Here is how we do things differently.
Traditional Aggregators
- Multiple hidden and additional costs
- Physical visits to banks for documents list
- Support ends when the loan is signed
Your Advisor
Butter Money
- No additional fees or hidden costs.
- We manage the transfer and requirement of documents.
- Lifetime Support. We help you switch if rates drop later.
How It Works
From eligibility check to final disbursal, we handle the heavy lifting.
Instant Savings Audit
Compare your current loan terms with our real-time offers and get an idea of estimated savings.
Expert Selection
We pick the top 3 lenders offering the lowest Switching Costs.
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Digital Handover
You upload your basic KYC; we coordinate with your old bank to get the property documents.
Sanction & Disbursal
Get the funds in your account with minimal paperwork.
Top Bank Rates and Offers
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Rates updated weekly. The actual rate you qualify for depends on your profile, the property, and the lender's current policy.
State Bank of India
Minimum
7.25 %
Maximum
7.80 %
Bajaj Housing Finance
Minimum
7.20 %
Maximum
8.50 %
ICICI Bank
Minimum
7.30 %
Maximum
8.00 %
IndusInd Bank
Minimum
7.80 %
Maximum
8.50 %
Federal Bank
Minimum
7.35 %
Maximum
7.90 %
HDFC Bank
Minimum
7.15 %
Maximum
8.50 %
Tata Capital
Minimum
7.50 %
Maximum
8.50 %
South Indian Bank
Minimum
7.50 %
Maximum
8.50 %
Canara Bank
Minimum
7.15 %
Maximum
8.50 %
Bank of Baroda
Minimum
7.15 %
Maximum
8.50 %
Axis Bank
Minimum
7.30 %
Maximum
8.00 %
Punjab & Sind Bank
Minimum
7.20 %
Maximum
8.50 %
Bank of India
Minimum
7.15 %
Maximum
8.50 %
Real outcomes. Real numbers.
See how having a dedicated advocate changes the balance transfer experience.
Anand V.
Mumbai
Caught a hidden switching cost
"My advisor flagged a foreclosure clause my old bank had buried in the fine print. Saved me 0.5% upfront."
Lender
ICICI Bank
Loan Amount
₹1.1Cr
Karan B.
Pune
Transferred in 9 days
"Butter coordinated with my old bank for the property docs. End-to-end took less than two weeks."
Lender
SBI
Loan Amount
₹62L
Priya S.
Bengaluru
Saved ₹6.2L over tenure
"Switched my home loan from 9.10% to 8.35% with Butter. The transfer was fully digital — I didn't visit a single branch."
Lender
HDFC Bank
Loan Amount
₹78L
Anand V.
Mumbai
Caught a hidden switching cost
"My advisor flagged a foreclosure clause my old bank had buried in the fine print. Saved me 0.5% upfront."
Lender
ICICI Bank
Loan Amount
₹1.1Cr
Karan B.
Pune
Transferred in 9 days
"Butter coordinated with my old bank for the property docs. End-to-end took less than two weeks."
Lender
SBI
Loan Amount
₹62L
Got Questions? We've Got Answers.
Find clear, straightforward answers to the most common questions before transferring your home loan with us.
Yes, there are minor processing and legal fees. However, we provide a Break-even Analysis. If you don't recover your switching costs within 6 months, we'll tell you not to switch.
The Homeowner's Guide to Home Loan Refinancing
Staying loyal to your home loan provider is often the most expensive mistake a homeowner can make. In May 2026, the gap between 'old' and 'new' rates has widened to a point where a Home Loan Balance Transfer is no longer just an option—it’s a financial necessity.
At Butter.money, we specialize in the art of the 'Smart Switch.' We look beyond the headline interest rate to calculate the Total Cost of Credit. By leveraging a Housing Loan Balance Transfer, you aren't just getting a lower EMI; you are reclaiming years of your life by reducing your loan tenure. Our platform is designed to bypass the traditional bureaucracy of banking. From automated document retrieval to proactive rate-drop alerts, we ensure that your mortgage remains an asset, not a burden. Stop the interest leak today and experience a transition that is, quite literally, smooth as butter.