If you have a UCPB housing loan, you could be paying thousands more than necessary every month. Nook finds you the lowest available refinance rate — completely free.
YOUR POTENTIAL SAVINGS
No commitment. No credit check. Just your numbers.
Why this matters
UCPB (United Coconut Planters Bank) has long been a trusted name in Philippine home financing, but like many traditional banks, its housing loan rates may no longer be the most competitive option available to you. If you took out your UCPB housing loan several years ago at a rate of 8% or higher, the market has shifted — and refinancing could unlock significantly lower monthly payments without requiring you to move or change anything about your home. Refinancing your UCPB housing loan to a lower rate is one of the most impactful financial moves a Filipino homeowner can make right now.
Nook is the Philippines' first digital mortgage broker, and we work with all major Philippine banks to find you the best refinance rate available — currently as low as 5.99% p.a. Unlike going to a single bank and accepting whatever rate they offer, Nook compares multiple lenders simultaneously so you always get the most competitive deal. Our service is 100% free to borrowers; the banks pay us, not you. Whether your current UCPB loan is a standard housing loan or a home equity product, we can evaluate your options quickly and clearly.
The refinancing process in the Philippines can feel complicated, but Nook handles the paperwork, bank coordination, and application follow-up on your behalf. Most homeowners who refinance through Nook see their new loan approved within a few weeks. If you're also curious how UCPB stacks up against other lenders, our EastWest Bank vs UCPB refinancing rate comparison breaks down the numbers side by side. The bottom line: if your current rate is above 6.5%, it's worth finding out how much you could save.
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, absolutely. Refinancing means taking out a new loan with a different lender to pay off your existing UCPB balance, ideally at a lower interest rate. This is a completely standard practice in the Philippines and most major banks actively compete for refinancing business from borrowers like you.
Nook's service is 100% free for borrowers. We are paid a referral fee by the bank you ultimately choose, which means there is no charge to you at any point in the process. You simply get access to better rates and expert guidance at zero cost.
Typically you will need your latest UCPB loan statement, proof of income (payslips or ITR for the past two years), a copy of your Transfer Certificate of Title (TCT), and valid government-issued ID. Nook will give you a precise checklist once we assess your specific situation.
Refinancing does not negatively affect your credit standing as long as you continue making payments on your existing UCPB loan until the new loan fully settles it. Your relationship with UCPB simply ends cleanly once the balance is paid out by the new lender.
The typical timeline is four to eight weeks from application to loan release, depending on how quickly documents are submitted and how responsive the receiving bank is. Nook actively follows up on your behalf to keep the process moving as fast as possible.
Check your exact savings in 60 seconds. It's free and takes no commitment.
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