The Nook Editorial Team
Every guide on Nook is researched, written and maintained by our in-house team of mortgage consultants and writers — and checked against real Philippine lending rules before it's published. Here's who we are and the standards we hold ourselves to.
Nook is the Philippines' first digital mortgage broker, founded in 2020. Day to day, our consultants help Filipino families compare 20+ banks and get home loans approved — so the guidance you read here comes from people who work on real home-loan applications, not generic content writers. Our aim is simple: to be the clearest, most accurate and most genuinely helpful source of home-loan information in the Philippines.
Our editorial standards
We know a home loan is one of the biggest financial decisions a family ever makes. That's why every page is held to the same standards:
- Accurate and sourced. Facts, rates and figures come from the banks and lenders we work with, from Pag-IBIG (HDMF) and BSP, or from Nook's own experience running applications. Where a number can change, we say what it's "as of".
- No invented numbers. We never make up statistics, approval times or savings figures. If a figure is a general guide, we say so; if it varies by lender or borrower, we say that too.
- Reviewed by people who lend. Home-loan content is checked against current Philippine lending practice by consultants who process these applications, with expert oversight from our mortgage advisers.
- Kept current. Rates, caps and rules move. We revisit our rate and cost pages regularly and update the "Updated" date whenever the content materially changes.
- Independent for the borrower. Nook is paid by the bank, not by you, and our guidance is written to help you choose well — not to push one lender.
Expert oversight
Our home-loan content is guided by people with deep mortgage experience:
Chris Elder
Founder & CEO. An Australian fintech entrepreneur, Chris founded Nook in 2020 to bring the broker model — normal in markets like Australia — to Filipino home buyers, on a mission to help 1,000,000 families buy their own home.
Steve Martinelli
Mortgage expert & editorial reviewer. A 25-year mortgage-lending veteran and former Head of Mortgages at HSBC, Steve provides expert oversight of Nook's home-loan guidance and standards.
How we write a guide
Each guide starts with a real question Filipino borrowers ask us — about rates, requirements, Pag-IBIG, refinancing, OFW loans or approval times. We answer it directly and in plain language at the top of the page, back it with current facts and worked examples, and cite the "as of" date on anything that moves. Then a consultant checks it against how the banks and Pag-IBIG actually assess applications today.
Spotted something that looks out of date or unclear? Tell us at nook.com.ph/contact-us and we'll review it.
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