Home / Commercial Property Loans / Commercial Balance Transfer
Reviewed by the CreditCares advisory desk · 13 years in business finance · Last updated 10 July 2026
Switch lenders, cut the interest outgo.
Transfer a running commercial property loan to a lender with sharper pricing — individual and MSME floating-rate loans foreclose penalty-free.
0.5–2%
Typical saving p.a.
Nil
Foreclosure on floating (indiv/MSME)
Top-up
Available on transfer
Overview
Loyalty has a price — check what yours costs
Lenders reprice new customers sharper than old ones. A seasoned, clean commercial mortgage is exactly what takeover desks want, so the negotiating leverage is yours.
We collect the foreclosure statement, run the net-saving math including all fees, and manage the paper shuffle between the two lenders end to end.
At a glance
Saving0.5–2% p.a. on typical transfers
CostsProcessing + mortgage re-creation
Add-onTop-up at takeover
Timeline3–6 weeks door to door
Who is eligible?
- Running commercial mortgage with 12+ months' clean track
- No overdues across group facilities
- Stable property value and business cash flows
- Foreclosure statement obtainable
- Meaningful residual tenure to recover switch costs
Documents you'll need
- Sanction letter & repayment track
- Foreclosure statement
- List of documents with existing lender
- Financials & ITR
- Bank statements
Suspect you're overpaying on a commercial loan? We map your profile to the right lenders, prepare a bank-ready file and coordinate until disbursal — at no upfront cost.
Check your eligibility