If you have a UCPB home loan, you could be paying thousands more per month than necessary. Nook can help you switch to rates as low as 5.99% p.a. — for free.
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Why this matters
UCPB (United Coconut Planters Bank) has long been a choice for Filipino homeowners seeking housing finance. But if you took out your home loan a few years ago, there's a strong chance your current interest rate — often ranging from 7.5% to 9% or higher on repriced loans — is no longer competitive. The Philippine mortgage market has evolved, and UCPB housing loan refinance options now allow borrowers to move to better-priced products from a wider pool of lenders without giving up their home or starting over.
Refinancing your UCPB home loan through Nook means you're not limited to what one bank can offer. Nook compares rates across BDO, BPI, Security Bank, Metrobank, RCBC, EastWest, and more to find the lowest available rate for your specific loan profile. On a 3,000,000 peso balance with 20 years remaining, even dropping from 8.5% to 5.99% can cut your monthly payment by over 4,500 pesos — that's real money back in your household budget every single month.
The entire process is free for borrowers. Nook earns from the banks, not from you. There's no obligation to proceed, and you'll receive a clear comparison before making any decisions. If you're also curious how UCPB stacks up against other lenders, see our breakdown of EastWest Bank vs UCPB refinancing rates for a side-by-side view of what the market currently offers.
How it works
Enter your loan details into our calculator. Instantly see what banks are offering right now and how much you'd save each month. No personal information required.
If the numbers make sense, book a free call. Your consultant compares offers from 15+ banks — something that would take you weeks to do on your own — and recommends the best option for your situation.
We manage the entire application, documentation, and bank coordination. You sign where we tell you. Your new lower payment starts next month. Nook's service is completely free — we're paid by the receiving bank.
Common questions
Most UCPB home loans include a lock-in period during which early repayment or refinancing may incur a penalty fee, typically 1-3% of the outstanding balance. It's worth calculating whether your monthly savings over the remaining loan term outweigh that one-time cost — in many cases, they do. Nook can help you run those numbers before you commit to anything.
On a 3,000,000 peso loan with 20 years remaining, switching from an 8.5% UCPB rate to 5.99% through Nook saves roughly 4,544 pesos per month, or over 54,000 pesos annually. Over the life of the loan, that adds up to more than 800,000 pesos in total interest savings. Your actual savings will depend on your outstanding balance and current rate.
No — Nook's service is completely free for borrowers. Nook is compensated by the receiving bank when a loan is successfully refinanced, so there's no cost to you for comparing options or submitting an application. You get expert guidance and access to multiple lenders without paying a single peso.
Nook works with a wide panel of Philippine banks including BDO, BPI, Security Bank, Metrobank, RCBC, EastWest Bank, UnionBank, Chinabank, PSBank, and others. Nook matches your loan profile to the lender most likely to approve you at the lowest available rate, saving you the time of applying to banks one by one.
You'll typically need a valid government-issued ID, your latest UCPB loan statement showing the outstanding balance, proof of income (payslips or ITR for self-employed), and your Transfer Certificate of Title (TCT) or Condominium Certificate of Title (CCT). Nook will guide you through exactly what's needed based on your employment type and chosen lender, making the process straightforward from start to finish.
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