Smooth Top-Up

Unlock up to ₹1 Crore
of Top-Up on Your
Home Loan

Leverage your home's value to get instant cash.

Family renovating their home with a top-up loan

How It Works

From eligibility check to final disbursal, we handle the heavy lifting.

  1. Quick Eligibility Check

    Quick Eligibility Check

    Input your current property details and home loan balance to see your eligible top-up runway.

  2. Best Rate based on Your Property

    Best Rate based on Your Property

    We check current market trends to see exactly how much your property has appreciated since you bought it.

  3. Unlock Instant Top-Up

    Unlock Instant Top-Up

    Your top-up amount is disbursed straight to your bank account—ready to be deployed for your goals.

Top Bank Rates and Offers

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

State Bank of India

Minimum

7.25 %

Maximum

7.80 %

Bajaj Housing Finance

Bajaj Housing Finance

Minimum

7.20 %

Maximum

8.50 %

ICICI Bank

ICICI Bank

Minimum

7.30 %

Maximum

8.00 %

IndusInd Bank

IndusInd Bank

Minimum

7.80 %

Maximum

8.50 %

Federal Bank

Federal Bank

Minimum

7.35 %

Maximum

7.90 %

HDFC Bank

HDFC Bank

Minimum

7.15 %

Maximum

8.50 %

Tata Capital

Tata Capital

Minimum

7.50 %

Maximum

8.50 %

South Indian Bank

South Indian Bank

Minimum

7.50 %

Maximum

8.50 %

Canara Bank

Canara Bank

Minimum

7.15 %

Maximum

8.50 %

Bank of Baroda

Bank of Baroda

Minimum

7.15 %

Maximum

8.50 %

Axis Bank

Axis Bank

Minimum

7.30 %

Maximum

8.00 %

Punjab & Sind Bank

Punjab & Sind Bank

Minimum

7.20 %

Maximum

8.50 %

Bank of India

Bank of India

Minimum

7.15 %

Maximum

8.50 %

Real outcomes. Real numbers.

See how having a dedicated advocate changes the top-up loan experience.

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Rahul T.

Delhi

Funded my business at 7.35%, not 14.5%

"I needed ₹40L for inventory. My bank pushed a 14.5% business loan, but Butter re-valued my property and unlocked a top-up at 7.35% on my existing home loan."

Lender

HDFC Bank

Loan Amount

₹40L top-up

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Sunita M.

Mumbai

Renovation funds without a new loan

"Aggregators spammed me with 13% personal loan offers to remodel our 2BHK. Butter checked my equity and got me a ₹15L top-up on my running loan instead."

Lender

ICICI Bank

Loan Amount

₹15L top-up

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Vikas G.

Bengaluru

Halved my debt outflow at 7.35%

"I was juggling two personal loans at 13%. A ₹20L top-up against my home loan consolidated everything and cut my monthly debt outflow in half."

Lender

SBI

Loan Amount

₹20L top-up

Got Questions? We've Got Answers.

Find clear, straightforward answers to the most common questions before getting a top-up loan with us.

A top-up is an additional loan on top of your existing home loan, secured against the same property. Because the lender already holds your property as collateral, there's no fresh mortgage to create — which means lighter paperwork, faster disbursal, and a rate close to your home loan rate rather than the much higher personal or business loan rates.

Leverage Your Home Equity with a Top-Up Loan

Why borrow expensive unsecured money when your home is sitting on untapped financial power? As property markets climb in 2026, the equity in your real estate grows with it. A Housing Loan Top-Up is the most underutilized wealth optimization tool available to homeowners. It allows you to transform your property's market appreciation into liquid, low-cost capital.

At Butter.money, we eliminate the historic friction associated with mortgage expansion. We don't believe you should be held hostage by a single bank's slow processing or outdated valuation metrics. Our platform actively advocates for your asset's true value, negotiating across India’s top financial institutions to secure the maximum loan value at the absolute lowest interest tier. Whether you are funding an expansion, managing an unexpected milestone, or executing a strategic debt consolidation, our digital-first process guarantees zero spam, absolute transparency, and a journey that is entirely smooth as butter.

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Simplifying home financing with transparency, innovation, and customer-first solutions. Empower your journey to homeownership.
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