UnionBank home loans, made simple with Nook.
UnionBank is one of 20+ banks on Nook's lending panel. Tell us about your plans once, and your dedicated Nook Home Loan Expert prepares and submits your UnionBank application for you — then compares it against the rest of the market to find the sharpest rate you actually qualify for. It's 100% free, because the bank pays Nook, not you.
Getting a UnionBank housing loan through Nook
UnionBank of the Philippines is one of the country's largest universal banks and a long-standing home loan provider for house-and-lot purchases, condominiums, refinancing, home equity and construction. As the Philippines' original and award-winning mortgage broker, Nook works with UnionBank so you can access its home loan products without ever dealing with the bank directly.
Most Filipino buyers apply to one bank, wait, and hope. If they're declined or offered a weak rate, they start again from scratch with the next bank — weeks of branch visits, photocopied documents and follow-up calls. Nook removes all of that. You complete one short application with Nook, and we put your profile in front of UnionBank and the rest of our 20+ partner banks at the same time, then guide you to the lender most likely to approve you at the sharpest rate.
Crucially, Nook is a full-service brokerage — not a self-serve comparison site. We don't just point you at a UnionBank form and wish you luck. A dedicated Nook loan consultant runs your entire UnionBank application for you: preparing the paperwork, submitting it, chasing the bank for updates and keeping you posted at every step. You never fill in UnionBank's bank forms yourself or queue at a branch.
How much you can borrow with a UnionBank housing loan
The key numbers behind a UnionBank home loan, so you know what to expect before you apply.
From ₱500,000
UnionBank housing loans start at a minimum loan amount of ₱500,000, with no published maximum peso ceiling.
Up to 90% financing
You can borrow up to 90% of the property's appraised value, so your equity covers the balance.
10% to 99% down
Choose a down payment anywhere from 10% to 99%, so you can size your loan around your budget.
Because UnionBank finances up to 90% of the appraised value, you'd typically put down at least 10% — but you can choose a down payment anywhere from 10% up to 99% if you'd prefer to borrow less. Your Nook consultant will model these numbers against your budget and confirm exactly where UnionBank lands for your property before you commit.
UnionBank home loan eligibility
To qualify for a UnionBank housing loan, you'll generally need to meet the following.
- Be 21 to 65 years old, but not exceeding age 70 upon loan maturity.
- Be a Filipino or former Filipino citizen.
- If employed, hold permanent status with your employer.
- If self-employed, your business has been operating profitably for at least two years.
Not sure whether you tick every box? Pre-qualify with Nook in about three minutes and your consultant will confirm where you stand with UnionBank — and which of our 20+ partner banks you'd also qualify with.
Done-for-you, from pre-qualify to approval
With a UnionBank application through Nook, the legwork is ours. Here's what you get.
A dedicated loan expert
One Nook Home Loan Expert is assigned to you and owns your UnionBank application end to end, so you always know who to ask.
UnionBank vs the whole panel
We weigh UnionBank's current offer against 20+ banks so you can see whether it's genuinely your best fit — at the sharpest rate available.
Paperwork & bank chasing
We prepare your documents, submit to UnionBank and handle all the back-and-forth with the bank, so you don't have to.
Updates the whole way
Automated alerts by text and email keep you posted on your UnionBank application, so you're never left wondering what's happening.
From pre-qualify to keys, with Nook beside you
Applying for a UnionBank home loan through Nook takes four simple steps.
Pre-qualify in 3 minutes
Answer a few questions online and see your options — including where UnionBank fits — in about three minutes.
We match you
Nook compares UnionBank against 20+ banks and identifies the lender most likely to approve you at the sharpest rate.
We do the legwork
Your consultant prepares your documents, submits your UnionBank application and chases the bank — all handled for you.
Get approved
Move into your home faster, with Nook beside you the whole way through to release of the loan.
UnionBank direct vs UnionBank through Nook
Same bank, same loan — a very different experience.
Through Nook
- ✓ One application, compared across UnionBank and 20+ banks
- ✓ A dedicated expert runs the whole UnionBank application for you
- ✓ Documents, submission and follow-ups handled on your behalf
- ✓ Progress alerts by text and email the whole way
- ✓ 100% free — the bank pays Nook, not you
Applying to the bank yourself
- × One bank at a time — start over if you're declined
- × You fill in the forms and queue at a branch
- × You chase the bank for every update
- × No easy way to know if the rate is competitive
- × Weeks of legwork on your own
How UnionBank home loan rates work
There's no single UnionBank home loan rate to quote — and that's exactly where Nook helps.
A UnionBank housing loan rate is set by your chosen fixing period (the longer you fix, generally the higher the rate), your loan amount and tenor, the property type, and your income and credit profile. Banks also adjust pricing regularly in line with market conditions, so a figure that's accurate today can be stale next month.
Rather than chase a number that moves, Nook compares UnionBank's live pricing against 20+ banks at the moment you apply and shows you the sharpest rate you genuinely qualify for. Sometimes that's UnionBank; sometimes another lender wins — and because Nook runs the application either way, you get the best outcome without the guesswork. Pre-qualifying is free and takes about three minutes.
UnionBank questions, answered
The things Filipino buyers most often ask about getting a UnionBank home loan through Nook.
Can I get a UnionBank home loan through Nook?
What is the home loan interest rate for a UnionBank housing loan?
How much can I borrow with a UnionBank housing loan?
Who is eligible for a UnionBank home loan?
How do I apply for a UnionBank housing loan with Nook?
Is it cheaper to apply to UnionBank directly or through Nook?
See if UnionBank fits you.
Pre-qualify in 3 minutes and we'll compare UnionBank against 20+ banks, then run your whole application for you. Free, with no obligation. Prefer to talk it through first? Chat with a Nook expert.
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