If your UCPB home loan is locked in at 8.50% or higher, you could be overpaying by thousands every month. Nook helps you switch to rates as low as 5.99% p.a. — for free.
ESTIMATED MONTHLY SAVINGS
No commitment. No credit check. Just your numbers.
Why this matters
UCPB home loans have served many Filipino homeowners over the years, but if you took out your loan a few years ago, there's a strong chance your interest rate no longer reflects what's available in the market today. With UCPB now integrated into Landbank, some borrowers have found themselves uncertain about their loan terms, repricing schedules, and who to call when they need a better deal. That uncertainty is exactly why refinancing makes sense right now. Through Nook, you can explore UCPB housing loan refinance options and compare offers from multiple Philippine banks in one place — without paying a single centavo in broker fees.
On a 3,000,000 home loan with a 20-year remaining term, moving from 8.50% to 5.99% p.a. translates to over 4,400 pesos back in your pocket every month. That's more than 53,000 pesos a year — money that could go toward your children's education, home improvements, or simply building your savings. The refinancing process in the Philippines can feel intimidating, but Nook handles the bank comparisons, document preparation guidance, and application coordination on your behalf. You can also see how UCPB refinancing rates compare against EastWest Bank to make sure you're choosing the most competitive option available to you.
Nook works with leading banks including BDO, BPI, Metrobank, Security Bank, RCBC, and more — so you get a genuine side-by-side comparison rather than a single offer from one institution. Whether your UCPB loan is approaching its repricing date or you've already been repriced to a higher rate, now is a smart time to review your options. The best refinance rate currently available through Nook is 5.99% p.a., and our team will help you find out if you qualify.
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
Yes, you can absolutely still refinance. Your outstanding UCPB home loan balance is now serviced under Landbank following the merger, but that doesn't prevent you from refinancing with another bank. Nook will help you obtain your latest Statement of Account and coordinate the full payoff process with your current lender as part of the refinancing.
Savings depend on your outstanding balance, remaining term, and the rate gap between your current loan and the new offer. On a 3,000,000 loan at 8.50% refinanced to 5.99% over 20 years, you'd save roughly 4,461 pesos per month and over 800,000 pesos across the life of the loan. Use Nook's free calculator to get a personalised estimate based on your actual figures.
Nook's service is completely free to borrowers. Nook is compensated by the bank you ultimately refinance with, so you pay nothing for the comparison, application support, or document guidance. The only costs you may encounter are standard bank fees such as appraisal and notarial charges, which apply regardless of how you apply.
You'll typically need a valid government-issued ID, proof of income (payslips or ITR for employed applicants, audited financial statements for self-employed), your latest UCPB or Landbank Statement of Account, and a copy of your Transfer Certificate of Title. Nook will walk you through the exact requirements based on the bank you're applying to, so nothing gets missed.
The refinancing process in the Philippines typically takes between 4 to 8 weeks from submission of complete documents to loan release, though timelines vary by bank. Nook helps you prepare a complete application package upfront, which reduces the risk of delays caused by missing documents or back-and-forth with the bank.
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