The Nook home loan blog
Clear, jargon-free guides to buying a home and getting a home loan in the Philippines — from pre-qualification and requirements to OFW loans and refinancing. Written by the team that does the whole application for you, for free.
Getting a home loan in the Philippines
How approval really works, what banks look for, the documents you'll need, and how to land the sharpest rate across 20+ lenders.
Your guide to buying a home in the Philippines
The complete walkthrough — from saving a deposit to getting the keys, and where a home loan fits in.
5 steps to get pre-qualified for a home loan
See your borrowing options in about 3 minutes before you fall in love with a property you can't finance.
10 documents you need for a home loan application
The exact paperwork most Philippine banks ask for, for employees, the self-employed and OFWs.
Requirements for a bank housing loan
Income, age, employment and property requirements that lenders use to decide your application.
5 types of home loans in the Philippines
Acquisition, construction, improvement, home equity and refinancing — which one fits your plan.
Best home loan interest rates in the Philippines
How rates are set, why they differ between banks, and how comparing lenders gets you a sharper deal.
How much house can I afford?
A simple way to work out a comfortable budget before you start shopping for a home.
How banks decide how much you can borrow
Inside the lender's view — income, obligations and the numbers that set your loan ceiling.
Debt-to-income ratio: why it matters
The single number that can make or break your approval — and how to improve it before you apply.
7 common home loan application mistakes to avoid
The slip-ups that delay or sink applications — and how to sidestep every one of them.
What is a mortgage broker?
What a broker actually does, and why using Nook is free for you while saving weeks of legwork.
Mortgage broker vs applying direct to a bank
Why comparing 20+ banks through one broker beats walking into a single branch.
OFW home loan guide: requirements & process
Everything overseas Filipino workers need to buy a home back home, without flying in.
The best home loan options for OFWs
OFW-friendly lenders and products, and how Nook runs the whole application remotely.
Is a Pag-IBIG housing loan best for me?
How the Pag-IBIG option compares to bank home loans, and when each one makes sense.
Home equity loans in the Philippines
Turn the value you've built in your home into funds for renovations, education or business.
How to refinance your home loan: complete guide
Step by step on moving off yesterday's rates — Nook handles the entire takeout, for free.
6 reasons to refinance a housing loan
Lower repayments, a shorter term, cashing out equity — the signs it's time to switch.
How to cut years off your home loan
Practical strategies to pay your mortgage down faster and save on total interest.
Buying your home
Smart, practical advice for first-home buyers and upgraders — timing the market, inspecting properties, and making the move with confidence.
8 tips to make buying your home easier
Simple moves that take the stress out of buying — from budgeting early to getting pre-qualified first.
Buying a condo: the checklist
What to inspect, ask and verify before you sign — fees, titles, developer track record and more.
When is the best time to buy a home?
How to weigh rates, prices and your own readiness so you buy when it's right for you.
Nook news & recognition
Milestones from the Philippines' original and award-winning mortgage broker.
Nook named Best Mortgage Broker, Philippines
Awarded Best Mortgage Broker Philippines by the Pan Finance Business Awards — recognition for making home loans simple.
Nook in the news
Featured across leading Philippine media for bringing modern, free mortgage brokering to Filipino families.
4,000+ loans started in the last 30 days
Thousands of Filipinos and OFWs trust Nook to compare 20+ banks and run the whole application for them.
Home loans in the Philippines, answered
The questions Filipino buyers and OFWs ask us most — answered plainly.
Is it free to use Nook?
Yes. Nook is 100% free for borrowers. Banks pay Nook a commission once your home loan is released, so there is no cost to you for the brokering, comparison or application support. You get expert help across 20+ lenders at zero charge.
What is the difference between a mortgage broker and applying directly to a bank?
When you apply directly to one bank you only see that bank's offer and you do all the legwork yourself. A mortgage broker like Nook compares 20+ banks at once, matches you to the lender most likely to approve you at the sharpest rate, and then completes the entire application for you. It is the same effort to get one quote as it is to get the best of many — and with Nook it is free.