We charge you, so we work for you.
It’s the most important thing about how Birbal is built. A small, transparent fee, paid by you, is what keeps us honest.
Someone always pays the advisor. The question is who.
It’s worth being blunt about this, because it explains everything else.
The bank pays the “advisor”
- A marketplace or DSA earns commission from the lender
- So the “advice” quietly steers you to whoever pays most
- “Free” to you, but you pay in a worse rate, for years
- No one is accountable to you after the sale
You pay us, so we serve you
- A small, transparent, flat fee, paid by you
- So our only incentive is your best outcome
- We’re accountable to you, before and after
A small fee, a big job
Genuine independence
Because you pay us, we have no reason to prefer one lender, or one option, over another. We recommend whatever is best for you.
The whole job, done
Not just a report. Analysis, the recommendation, the paperwork, and coordination with your lender, carried end to end.
Ongoing watchfulness
We keep an eye on your rate after the deal is done, so you benefit when the market moves, not years later, if ever.
The fee is tiny next to the saving
An optimised home loan can save lakhs over its remaining life. Our fee is a small fraction of that, and we show you the full math, including present value, before you pay a rupee. If the numbers don’t work for you, you walk away. No catch.
And if staying put is best for you, we’ll say so, and charge you nothing to hear it.
See the math for yourself.
Get a free savings report first. You only ever pay us if it’s clearly worth it, and you decide.
Free · No spam · You decide what happens next