Buying a home in the Philippines
Clear, practical guides for first-time buyers and seasoned investors — when to buy, how to handle pre-selling property, what to check before you sign, and how to make the whole purchase easier. When you're ready to finance it, Nook compares 20+ banks and runs the entire home loan application for you, free.
Read before you buy
Owning a home is one of life's biggest decisions. These guides walk you through the timing, the paperwork, and the checks that protect your money — written for the Philippine market.
When Is the Best Time to Buy a Home?
For most people, owning a property is high on life's list of priorities — but when is the right time to actually go ahead and buy? How to read your own readiness instead of chasing the perfect market.
8 Tips to Make Buying Your Home Easier
Eight practical tips to help you find, secure and keep your dream home — from choosing a property in a good area with good features to lining up your financing before you start hunting.
Buying a Condo Checklist
Condos can make the perfect home or property investment — if you check the right things first. A complete checklist covering the developer, location, dues, title and the financing that gets you in.
We do the home loan for you
Nook is the Philippines' original and award-winning mortgage broker. We don't make you fill in bank forms or visit branches — a dedicated loan consultant runs your whole application end to end, and it's 100% free because banks pay us, not you.
Buying a home in the Philippines — FAQs
Straight answers to the questions Filipino home buyers ask most — about timing, pre-selling, condos, deposits and getting your loan ready.
What is the best time to buy a home in the Philippines?
The best time to buy is when your finances are stable and your home loan is pre-qualified — not when the market hits some perfect low. If you have steady income, savings for the down payment and equity, and you've checked what you can borrow, you're ready. With Nook you can pre-qualify in about 3 minutes and see your real options across 20+ banks before you commit to a property, so timing decisions are based on facts rather than guesswork.
How do I buy a pre-selling property safely in the Philippines?
Buy from a reputable, licensed developer with a clear track record, verify the project has the proper HLURB/DHSUD licence to sell, and read the contract to sell carefully before paying. Budget for the reservation fee, the staggered down payment during construction, and the bank loan that takes out the balance on turnover. Nook helps you line up that home loan early so the financing is ready when the unit is completed — and it's 100% free, because the bank pays Nook, not you.
What should I check before buying a condo in the Philippines?
Check the developer's reputation, the building's location and amenities, the unit's actual floor area and orientation, the monthly association dues, parking, and whether the title is clean. For pre-selling units, confirm the turnover date and what's included. On financing, confirm the bank will lend on that property type and term. Nook compares 20+ banks to find the lender most likely to approve a condo loan at a sharp rate, and a dedicated consultant handles the whole application for you.
How much can I borrow to buy a house in the Philippines?
How much you can borrow depends on your income, existing debts, age, the property value, and the bank's policies — most banks lend a percentage of the appraised value over a set term. Rather than guess, get pre-qualified with Nook in about 3 minutes to see indicative figures across 20+ banks. Your dedicated consultant then matches you to the lender most likely to approve you at the best rate, with no fee to you.
Do I need a big down payment to buy a home?
Banks typically finance a large share of the property's appraised value and you cover the rest as a down payment, plus closing costs and fees. The exact split depends on the lender, the property type, and your profile. Nook shows you what different banks require so you can plan your savings, and a dedicated consultant guides you through the full application end to end — all free, because banks pay Nook once the loan is released.
Ready to buy? Let's get your loan sorted first.
See what you can borrow across 20+ banks in about 3 minutes. A dedicated Nook consultant then handles the entire application for you — paperwork, follow-ups and bank chasing — at no cost to you.
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