Thousands of Filipino homeowners with UCPB housing loans are paying rates as high as 8.50% p.a. — Nook can help you refinance to as low as 5.99% p.a. for free.
YOUR POTENTIAL SAVINGS
No commitment. No credit check. Just your numbers.
Why this matters
UCPB (United Coconut Planters Bank) has long been a go-to lender for Filipino homebuyers, but like many traditional banks, its housing loan rates can climb significantly after the initial fixed-rate period ends. If you took out your loan several years ago, there's a strong chance your current rate is no longer competitive. Refinancing your UCPB housing loan means replacing your existing loan with a new one from a different lender — one offering a lower interest rate that better reflects today's market. With Nook, you can compare UCPB against top banks like BDO and see exactly how much you could save before committing to anything.
The numbers speak for themselves. On a 3,000,000 loan with 20 years remaining, moving from 8.50% to 5.99% p.a. cuts your monthly payment by over 4,500 pesos — that's more than 54,000 pesos back in your pocket every year. Over the life of the loan, that compounds into serious savings that could fund your children's education, home improvements, or your retirement. Many homeowners put off refinancing because they assume it's complicated or expensive, but Nook's service is completely free to borrowers. We handle the paperwork, the bank negotiations, and the comparisons on your behalf.
If you're unsure whether UCPB or another government-linked lender is your best option, it's worth taking a closer look at how the rates stack up. You can compare UCPB and Landbank refinance rates side by side to make a fully informed decision. Whether you end up refinancing to BPI, Security Bank, Metrobank, or another lender, Nook finds the best available offer for your specific loan profile — with no cost and no obligation to proceed.
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 housing loan to any participating bank or lender in the Philippines. Refinancing simply means a new lender pays off your remaining UCPB balance and issues you a new loan at a lower interest rate. Nook helps you find the best offer available based on your outstanding balance and loan term.
Savings depend on your outstanding loan balance, remaining term, and the rate difference between your current UCPB loan and your new offer. On a 3,000,000 loan with 20 years remaining, switching from 8.50% to 5.99% p.a. saves over 4,500 pesos per month. Use Nook's free calculator to get an estimate based on your actual numbers.
Typical requirements include your latest UCPB loan statement, proof of income (payslips or ITR), a copy of the Transfer Certificate of Title (TCT), and valid government-issued IDs. Nook will guide you through the exact document checklist for whichever bank you're refinancing to, so nothing falls through the cracks.
Some banks, including UCPB, may charge a pre-termination or early settlement fee if you pay off your loan before a specified period — typically within the first three to five years. It's important to check your original loan agreement or contact UCPB directly to confirm any applicable fees. Nook will help you factor these costs into your savings calculation so you know your true net benefit.
The refinancing process typically takes four to eight weeks from application to loan release, depending on how quickly documents are submitted and how fast the receiving bank processes your application. Nook streamlines the process by coordinating directly with lenders and keeping you updated at every step. Getting started takes just a few minutes online.
Check your exact savings in 60 seconds. It's free and takes no commitment.
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