If you have a home loan with UCPB or Landbank, you could be paying more than you need to — Nook can help you refinance to as low as 5.99% p.a. for free.
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Why this matters
UCPB (United Coconut Planters Bank) and Landbank of the Philippines are both government-linked institutions that have long served Filipino homeowners with housing loan products. Historically, both banks have offered home loan rates in the 7% to 10% range, with exact rates depending on loan tenor, fixing period, and borrower profile. Please note that rates shown on this page are approximate, based on publicly available information, and are subject to change — always verify the current rate directly with your bank before making any financial decision. For a detailed breakdown of what Landbank currently offers, see our guide on Landbank housing loan rates, requirements, and calculator for 2026.
When comparing UCPB and Landbank side by side, the differences often come down to fixing periods, repricing terms, and eligibility criteria. Landbank has historically catered to government employees, OFWs, and agrarian reform beneficiaries, while UCPB (now merged with Landbank as of 2022) has folded much of its retail banking portfolio into the Landbank umbrella. This means many former UCPB borrowers may already be under Landbank servicing — and if your loan has been repriced since merger, it's worth checking whether your current rate still reflects the best deal available to you.
Rather than staying locked into whatever rate your existing lender offers at repricing, Filipino homeowners are increasingly turning to Nook — the Philippines' first digital mortgage broker — to refinance into a better deal. Nook works with a panel of partner banks offering verified, competitive rates as low as 5.99% p.a., and the entire service is completely free for borrowers. On a 3,000,000 loan, the difference between an 8.50% rate and 5.99% can mean saving over 4,000 pesos every single month. You can also explore our Landbank housing loan requirements and application guide if you want to understand what refinancing with Landbank specifically entails.
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
As of 2022, UCPB (United Coconut Planters Bank) has been formally merged into Landbank of the Philippines. If you had a home loan with UCPB, it has most likely been transferred to Landbank for servicing. You should contact Landbank directly to confirm the current terms and interest rate on your existing loan.
Based on publicly available information, Landbank home loan rates have generally ranged from approximately 7% to 10% per annum depending on the fixing period, loan amount, and borrower type. These rates are approximate and subject to change, so we recommend verifying the latest rates directly with Landbank before making any decisions.
Yes — refinancing to a different bank is a straightforward option available to most homeowners, provided your loan is in good standing and meets the new lender's eligibility criteria. Nook can help you compare refinance offers from multiple partner banks at no cost, making it easy to see whether switching could save you money.
On a 3,000,000 peso loan with a 20-year remaining term, moving from 8.50% to 5.99% p.a. could reduce your monthly payment by approximately 4,493 pesos — that's over 53,000 pesos saved per year. Over the full remaining loan term, total interest savings could exceed 800,000 pesos.
Nook is a digital mortgage broker that matches you with the best refinance rate from its panel of Philippine partner banks — and the service is 100% free for borrowers. You submit your details once, Nook handles the comparison and application process, and you choose the offer that works best for you. There are no fees, no obligations, and no pressure.
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