Refinance your UnionBank housing loan and reduce your monthly payments by thousands. Get access to competitive rates starting at 5.99% through our partner network.
MONTHLY SAVINGS
No commitment. No credit check. Just your numbers.
Why this matters
UnionBank has been a trusted name in Philippine banking, but housing loan rates have evolved significantly. If you secured your UnionBank housing loan when rates were higher, you could be paying more than necessary on your monthly amortization. Through Nook's network of partner banks, including UnionBank itself with competitive rates of 7.00% for qualified borrowers, you can explore better refinancing options.
As a Nook partner bank, UnionBank offers accessible qualification requirements with minimum monthly income of just ₱30,000 and maximum debt-to-income ratio of 50%. They accommodate various employment types including private employees, government workers, BPO staff, OFWs, and self-employed professionals. Whether your loan is for home equity, renovation, or property purchase, UnionBank provides flexible solutions that could significantly reduce your monthly payments.
Refinancing through Nook gives you the advantage of professional broker services at zero cost. We handle the application process, documentation, and negotiations with multiple lenders including UnionBank to ensure you get the most competitive rate available for your financial profile.
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, UnionBank allows existing borrowers to refinance their loans to take advantage of current lower rates. As a Nook partner bank, UnionBank offers competitive rates of 7.00% for qualified applicants, which could be significantly lower than your original rate.
UnionBank requires a minimum monthly income of ₱30,000 and maintains a maximum debt-to-income ratio of 50%. They accept various employment types including private employees, government workers, BPO staff, OFWs, seafarers, self-employed individuals, and professionals.
UnionBank typically processes refinance applications within 2-4 weeks, depending on document completeness and property appraisal. Working with Nook can help expedite the process through our established partnership and streamlined documentation support.
UnionBank accepts various loan purposes including foreclosed properties, home equity loans, new construction, pre-selling units, ready-for-occupancy properties, renovation projects, and reselling properties. This flexibility makes them suitable for different refinancing needs.
While UnionBank may charge standard processing fees and other bank charges, Nook's broker services are completely free. We don't charge borrowers any fees for helping you secure better rates and navigate the refinancing process with UnionBank or other partner banks.
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