Stop Searching. Start Asking.

Stop paying the "Loyalty Tax." Compare 6,500+ loans from 100+ lenders in seconds, powered by AI built by tech veterans and licensed mortgage brokers.

Ask Bheja Now
Privacy protected
I want to refinance..

Type your question here...

Ask Bheja

Trusted by industry communities and featured

Meet the Team Behind Bheja.ai

Tech veterans and licensed brokers combining AI with human expertise

Watch how Bheja.ai works

Pravin Mahajan

Founder & CEO - Licensed Broker (CR 570637)

Read full bio

Mahendra Duddempudi

Co-Founder & CTO - Platform Architect

Read full bio

6500+

Loans compared

100+

Lenders connected

24/7

Always available

Why we require a secure login?

Unlike generic calculators, Bheja.ai provides true personalisation based on your actual loan details. To protect your financial DNA, we use bank-level encryption.

Zero Data Selling:Your data is for the AI only.
Consent-First:Brokers only see your info if You ask them to
Open Banking:Safe, fast, and government-regulated

The "Consent Switch"

Bheja works for you in private. When you are ready for human help, you grant your broker access with one click. They receive your full context immediately-no more repeating your story or re-uploading PDFs.

One Platform. Your Complete Home Loan Journey.

From your first question to your best rate and ongoing monitoring. No scattered tools, no jumping between sites, no repeating yourself. Just one conversation that remembers everything.

Ask.

Type your question, whether it’s about your rate, lender, repayments, or refinance options. Bheja understands your loan and gives you clear, data-backed answers.

Ask Bheja Now

Check.

Enter your loan details, and Bheja compares it with the latest rates and products across lenders. Instantly see how your loan stacks up and where you could do better.

Run a Free Loan Health Check

Apply.

Move from "better rate" to "done" on a single secure platform. No zip files, no messy email chains, and no sensitive data floating in the cloud. We handle the complexity; you just provide the consent.

Start your application

Monitor.

Set it and forget it. Bheja acts as your 24/7 financial watchdog. If your lender raises rates or a competitor drops theirs, you’ll get an instant alert. We automatically kill the "Loyalty Tax".