UnionBank offers housing loan rates from 7.00% p.a. — but through Nook, you could refinance to as low as 5.99% p.a. and save thousands every month.
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Why this matters
UnionBank is one of the Philippines' most progressive digital banks, and its housing loan product reflects that — offering competitive 1-year fixed rates starting at 7.00% p.a., flexible loan purposes including RFO, pre-selling, renovation, and home equity, and eligibility for a wide range of borrowers including private and government employees, BPO workers, OFWs, seafarers, and self-employed professionals. With a minimum monthly income requirement of just P30,000 and a maximum debt-to-income ratio of 50%, UnionBank's housing loan is accessible to a broad cross-section of Filipino homeowners. You can learn more about eligibility in our UnionBank housing loan requirements guide.
If you already have a UnionBank housing loan — or you're comparing it against other banks — it's worth knowing that market rates have shifted significantly. Many homeowners locked in rates of 8% to 10% several years ago and haven't revisited their options since. Even if your current rate is already at 7.00%, refinancing through Nook to 5.99% on a P3,000,000 balance could save you over P2,000 per month. That's real money back in your pocket every single month, for the life of your loan. For a deeper look at how UnionBank's rates compare across different fixing periods, visit our complete 2026 UnionBank interest rate guide.
Nook is the Philippines' first digital mortgage broker, and our service is completely free for borrowers. We work with UnionBank and a panel of other leading Philippine banks to find you the most competitive rate available based on your specific profile and loan details. There are no broker fees, no hidden charges, and no obligation — just a faster, smarter way to make sure your housing loan is working as hard as you are. Submit your details once, and we handle the comparisons, paperwork coordination, and bank negotiations on your behalf.
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
UnionBank currently offers housing loan rates starting at 7.00% p.a. for a 1-year fixed period. Rates are subject to change, so it's always a good idea to verify the latest figures directly with the bank or through a broker like Nook who can confirm live rates across multiple lenders.
UnionBank accepts housing loan applications from a wide range of employment types, including private and government employees, BPO workers, OFWs, seafarers, self-employed individuals, and licensed professionals. The minimum qualifying monthly income is P30,000, and your total monthly debt obligations must not exceed 50% of your gross monthly income.
Yes — if you have an existing UnionBank housing loan, Nook can help you explore whether refinancing to a lower rate makes financial sense for your situation. Through Nook's panel of partner banks, rates currently start at 5.99% p.a., which could represent significant savings over the remaining term of your loan. Our full refinancing guide is available at UnionBank housing loan refinance.
UnionBank's housing loan covers a broad range of purposes including the purchase of ready-for-occupancy (RFO) and pre-selling properties, reselling of existing homes, new construction, renovation, foreclosed property acquisition, and home equity or multi-purpose loans. This makes it a flexible option whether you're buying, building, or unlocking equity.
Yes, Nook's service is 100% free for borrowers — there are no broker fees, application fees, or hidden charges at any stage of the process. Nook earns a referral fee from the bank if your loan is successfully approved, which means you get expert guidance and access to multiple lenders without paying anything out of pocket.
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