Thousands of UCPB home loan holders are paying rates above 8.50% p.a. — Nook can help you switch to as low as 5.99% p.a. and save over 4,800 pesos every single month.
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Why this matters
UCPB (United Coconut Planters Bank) has long been a trusted home loan provider for Filipino families, but many borrowers who took out their mortgage several years ago are still locked into rates of 8.50% or higher. Since UCPB's merger with Landbank, some borrowers have found themselves uncertain about where their loan stands and whether better options exist. The good news: refinancing your UCPB home loan through Nook means you can compare offers from over a dozen competing banks and secure a rate as low as 5.99% p.a. — without paying a single centavo in broker fees. If you're curious how UCPB's rates stack up against other lenders, our Sterling Bank vs UCPB home loan rates 2026 guide breaks it down side by side.
On a 3,000,000 peso loan with 20 years remaining, dropping from 8.50% to 5.99% translates to savings of more than 3,000 pesos every month — that's over 550,000 pesos across the life of your loan. Refinancing is not just for people in financial trouble; it is one of the smartest financial moves a homeowner can make when interest rates shift in their favour. Nook handles the entire process digitally, from comparing bank offers to coordinating your application, so you spend less time on paperwork and more time enjoying the savings.
Many UCPB borrowers assume switching banks is complicated or expensive, but with Nook it is straightforward and completely free to you. Our mortgage specialists know exactly which banks are most competitive for your loan size, property type, and remaining term. Whether your property is in Metro Manila, Cebu, or the provinces, Nook works with lenders across the Philippines to find the right fit. To learn more about the full transfer process, visit our detailed guide on UCPB home loan refinancing in the Philippines and see how other homeowners have made the switch.
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 absolutely can. Even though UCPB merged with Landbank, your home loan obligations remain valid and transferable. Nook can help you refinance your existing UCPB or Landbank-serviced mortgage to a competing bank offering lower rates.
Nook's service is 100% free to borrowers — you pay nothing for our brokerage service. The only costs involved are standard bank fees such as appraisal, notarial, and transfer charges, which vary by lender but are typically a one-time expense you recover quickly through your monthly savings.
Nook works with a wide panel of Philippine banks including BDO, BPI, Metrobank, Security Bank, RCBC, UnionBank, Chinabank, EastWest Bank, and more. We compare their offers simultaneously so you get the most competitive rate available for your specific loan profile.
The typical refinancing process in the Philippines takes between 30 and 60 days from application to loan release, depending on document completeness and the bank's processing speed. Nook helps you prepare your documents correctly from the start to avoid delays and keep things moving as fast as possible.
You will generally need your latest UCPB loan statement, a copy of your Transfer Certificate of Title (TCT), proof of income such as payslips or ITR, and valid government-issued IDs. Nook will give you a complete personalised checklist once you submit your details, so nothing gets missed.
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