Apr 18, 2026 · 9 min read
Where LAP wins
Rates typically run 9% to 12% against 14% to 20% for an unsecured personal or business loan, with tenures up to 15 years. For large, productive needs — business expansion, consolidating expensive debt, funding education abroad — the savings are substantial.
Where it does not
Never mortgage a home for consumption, speculation or a short-term cash gap. The downside of a default is losing the asset, not just a credit-score hit.
Getting the best terms
Lenders typically fund 50% to 70% of market value. Clean title, updated property tax receipts and a documented rental income stream all improve both the LTV and the rate you are offered.
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