The same individually-verified rates as this app's Lowest Home Loan Rate list — the lender with the lowest real rate is exactly who you'd want to transfer an existing loan to.
The Top 10
Same rates, a different question
Same underlying research as /discover/lowest-home-loan-rate: every lender here was individually verified for its current effective rate. The question "which lender has the lowest real rate" is identical whether you're taking a fresh loan or moving an existing one, so this list reuses that same ranking rather than a separate analysis.
One thing worth knowing before you compare "zero foreclosure charge" claims: RBI mandates NO foreclosure or prepayment charges on ANY floating-rate individual home loan, at every lender — so it's the regulatory floor everyone here already sits at, not a special benefit any one bank is offering you. Factor in the new lender's processing fee and any legal/valuation costs against your actual rate savings before switching.
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