Upestate.pk — Your Mortgage Partners

Your dream home in Pakistan.
Financing made simple.

Helping Pakistanis secure home loans faster across Roshan Apna Ghar, GMSS, HBFC, and 15+ banks — so you can own your home without the hassle.

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Minimal Fee for Borrowers
Conventional & Islamic Options
Also Serving Overseas — UAE · KSA · USA · Canada
How It Works

From confusion to keys in hand — we handle the entire process

1

Tell us what you're looking for

Fill a quick form or message us on WhatsApp. We ask about your income, location, budget, and financing preference (conventional or Islamic).

2

We match you to the right bank & scheme

Not all banks are equal — approval rates, processing times, and costs vary widely. We tell you exactly which bank fits your profile and maximizes your benefit.

3

We handle your application end-to-end

Document collection, form filling, bank submission, and follow-ups — all managed by us. You stay updated on WhatsApp without chasing anyone.

4

Loan approved. Move into your home.

We push the application through to disbursement and coordinate with your property dealer or builder to close the deal.

Featured Projects

Bank-approved homes you can finance

Uptown Villas Available

Uptown Villas

Gulistan-e-Kazim
From PKR 1.65 Crore

Uptown Villas is a gated villa community in Gulistan-e-Kazim, planned for families who want a bank-financeable home with clear documents. Upestate helps you compare conventional and Islamic options, prepare the file, and follow the application through to disbursement.

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DHA Phase 8 Villa Available

DHA Phase 8 Villa

DHA Phase 8, Lahore
PKR 8.5 Crore

A bank-approved 1 kanal villa in DHA Phase 8, Lahore — ready for conventional or Islamic home financing with clear documents.

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Bahria Town Apartments Upcoming

Bahria Town Apartments

Bahria Town
PKR 1.8 Crore

Modern 2–3 bed apartments in Bahria Town with developer NOC in place. Suitable for first-time buyers and overseas Pakistanis.

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Gulberg Residences Sold

Gulberg Residences

Gulberg, Lahore

A recently financed family home in Gulberg. Shown as an example of a completed Upestate-assisted purchase.

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Get Started

Send your home financing enquiry

Fill this form and we'll save your details for an advisor. You'll get a confirmation here — we do not make automated eligibility decisions.

We'll respond within 24 hours. No spam. No automated approval or rejection.

Enquiry received

Thank you. We've saved your details. An advisor will contact you on WhatsApp within 24 hours. A person reviews every enquiry — we do not auto-approve or reject applications.

Message us on WhatsApp

Common questions

There's no cost to check your eligibility. Our service is free — you'll only be charged a minimal documentation fee if you proceed to take the loan.
No. The entire process can be managed remotely through WhatsApp and digital document submission. For Roshan Apna Ghar, you can even sign documents digitally through your RDA bank.
We work with major Pakistani banks and HBFC. We cover both conventional and Shariah-compliant (Islamic) financing options.
With all documents readily submitted, it takes about 7–10 working days for approval.
Yes. We have a pool of bank-approved properties and can also help you find the right property according to your needs through our agent network.