---
title: Can I avail loan against property if my property is already mortgaged?
description: No, if your property is already mortgaged, you usually cannot obtain a standard Loan Against Property (LAP).  Lenders often check that the property has a clear title and no primary charge from another lender is considered. However, options like a…
url: "https://yazodo.com/help/loan-against-property/can-i-avail-loan-against-property-if-my-property-is-already-mortgaged/"
updated: "2025-12-06"
category: Loan Against Property
tags:
  - Eligibility
  - LAP
  - "Property & Collateral Requirements"
  - Special Cases
---

# Can I avail loan against property if my property is already mortgaged?

No, if your property is already mortgaged, you usually cannot obtain a standard Loan Against Property (LAP).  Lenders often check that the property has a clear title and no primary charge from another lender is considered. However, options like a top-up loan or refinance may be possible.