Thousands of Filipino homeowners with UCPB home loans are paying rates as high as 9.50% — Nook can help you refinance to as low as 5.99% p.a., completely free of charge.
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Why this matters
United Coconut Planters Bank (UCPB) has historically offered home loans tied to repricing periods that can leave borrowers locked into rates well above the current market. If you took out your UCPB housing loan more than two years ago and haven't reviewed your rate since, there's a strong chance you're overpaying every single month. With benchmark rates having shifted significantly, refinancing your UCPB mortgage in 2026 could be one of the most impactful financial moves you make this year. You can explore how UCPB housing loan refinancing works and what better rates are available today before you commit to anything.
Nook is the Philippines' first digital mortgage broker, and our service is 100% free to borrowers. We compare offers from BDO, BPI, Metrobank, Security Bank, RCBC, UnionBank, EastWest Bank, and other leading Philippine lenders to find the best refinance rate for your specific situation. On a ₱3,000,000 loan with 20 years remaining, switching from a 9.50% UCPB rate to 5.99% through Nook saves you approximately ₱4,850 every month — that's over ₱58,200 a year back in your pocket. If you're also weighing your options between lenders, the EastWest Bank vs UCPB refinancing comparison for 2026 is a helpful read to understand what competing banks are offering right now.
The refinancing process with Nook is straightforward and fully digital. You submit your details once, and our mortgage specialists handle the bank comparisons, application coordination, and paperwork follow-through on your behalf — at no cost to you. UCPB borrowers are among the most common profiles we help, and our team understands the specific documentation and repricing timelines involved. Whether you're switching away from UCPB or even refinancing into a UCPB product from another bank, Nook gives you the full picture so you can decide with confidence.
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 refinance your UCPB mortgage with any accredited bank or lending institution in the Philippines. The new lender pays off your outstanding UCPB balance and issues you a new loan at a lower interest rate. Nook compares multiple banks simultaneously so you can choose the best offer without doing the legwork yourself.
Savings depend on your outstanding balance, remaining loan term, and the rate gap between your current UCPB rate and the best available refinance rate. On a ₱3,000,000 loan at 9.50%, switching to 5.99% saves approximately ₱4,850 per month and over ₱873,000 across a 20-year term. Use Nook's free calculator to get a personalised estimate based on your actual loan details.
Yes, Nook's service is completely free to the borrower. We are compensated by the bank you choose to refinance with, similar to how a real estate broker works. You get access to multiple bank offers, expert guidance, and full application support without paying any brokerage fee.
Standard refinancing documents include a valid government-issued ID, proof of income (payslips or ITR for at least two years), your UCPB loan statement of account, and the Transfer Certificate of Title (TCT) or Condominium Certificate of Title (CCT) for the property. Nook's team will give you a complete checklist tailored to your chosen bank's specific requirements once you apply.
The best time to refinance is when the rate difference between your current loan and available market rates is significant enough to recover the switching costs within a reasonable period — typically within one to two years. If your UCPB loan is approaching its repricing date or you've never reviewed your rate since taking out the loan, now is an excellent time to check what's available. Nook can help you calculate your break-even point before you make any commitment.
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