Home Loan Application Process

Once you've picked the bank you want to apply with, the rest of your home loan application happens inside your Nook account. The wizard captures everything the lender needs in one place, and a dedicated Nook loan consultant runs the whole application for you — so you never have to deal with the bank directly. This guide walks through each step. If you'd rather have someone do it with you, chat to a Nook consultant any day between 9am and 9pm.

Step 1 — Log in or create a Nook account

After choosing the bank you'd like your loan from and clicking Apply Now, the system asks you to sign up or log in. A registered account is required so Nook can validate your home loan application and keep all your details and documents in one secure place.

Not sure which bank to choose yet? Click Get Help to book your free consultation call first — a Nook loan consultant will walk you through your options at no cost.

Step 2 — The home loan application wizard

The wizard breaks the application into clear sections. Most fields are required by the banks, so fill them in accurately to avoid delays in processing.

A. Property & personal information

Fill in your personal details. If you selected a co-borrower or indicated a married status during pre-qualification, the wizard automatically adds fields for your co-borrower or partner's information. Click Next to proceed.

B. Contact information

Your phone number is optional but useful for follow-ups, so update your mobile number as needed. Your email address is drawn from your account and can't be changed here. Your address auto-fills and should be checked carefully, along with your home ownership status and years of residency. You'll complete this for three addresses:

Present address — where you currently live.
Permanent address — usually your own house. If you don't own one, this can match your present address — just tick "Same as Present Address".
Previous address — somewhere you lived before but no longer do. If none, tick "Same as Present Address".

Click Next to continue. Tip: you can Save for later at any time and pick up where you left off — just finish the current page (or go back to a completed one) so the save button is enabled.

C. Loan details

Here you can still adjust your loan term and fixing period to land on the lowest monthly repayment that suits your budget. Click Next to proceed.

D. Employment information

Enter your company industry, company name, TIN, SSS, office contact details and the like. If you added a co-borrower during pre-qualification, this is also where you fill in their employment information. Click Next to proceed.

E. Other information

Some banks may ask about dependents on a case-by-case basis. The property information — address, contact person and contact number — refers to the property you're acquiring or using as collateral. Click Next to proceed.

F. Required documents (upload section)

Upload the documents the bank needs to assess your application. These fall into three groups:

Legal documents — standard bank requirements such as valid/government IDs, marriage or birth certificate, and similar.
Income documents — proof of your capacity to repay: certificate of employment, payslips, ITRs, bank statements, and the like.
Collateral documents — papers tied to the property, such as the property title, tax declaration, contract to sell, and location map.

Once everything is uploaded, click Review to move to your application summary and double-check before submitting.

Step 3 — Review your loan application

On the review page, click the links to read, then tick the boxes to agree and proceed:

Nook's Terms and Conditions.
Lender's Data Privacy and Processing Consent — the actual undertaking found on the back of the bank's physical application form. It's important borrowers understand the bank's terms.

Then click Submit Application to finish. You'll receive a reference number for tracking.

Step 4 — Track your home loan application

You can check your application's progress anytime from your Nook account — head to the Home Loan Applications section. Nook also sends you automated text and email updates, and a consultant will call if any further details are needed. Here's what each status means:

Archive — an inactive loan application record.
Draft — an unfinished application you can continue editing and submit when ready.
New — a newly submitted home loan application.
Nook Review — Nook is evaluating your application before sending it to the bank. This can take longer if more information is needed.
Waiting on Borrower — Nook needs further supporting documents from you before evaluation can continue.
Referred to Bank — your application passed Nook's evaluation and is now with the bank.
Pending Appraisal — the bank is arranging to appraise the property and will contact you to set a visit date.
Credit Assessment — the bank reviews your financial history to help decide on your loan.
Conditional Approval — the bank has accepted the application pending employment verification and credit assessment.
Awaiting Seller / Developer — the bank is waiting on required documents from the seller or developer.
Awaiting Property Construction — for pre-selling properties where construction has not yet started.
Initial Documents Completed — initial steps (including bank account opening and/or appraisal fee payment) are done and awaiting bank advice.
Final Documents Completed — the bank's sales team is reviewing submitted documents; once accepted, they'll issue the Letter of Guarantee. Additional requirements may occasionally be requested.
Application Withdrawn — the borrower voluntarily pulled out of the application. This can happen at any point in the process.
Nook Declined — typically due to invalid requirements/application, or an unattended application left unsubmitted for too long.
Bank Approved — the bank reviewed and approved the loan. They'll contact you for further details.
Bank Declined — the application did not pass the bank's review. The bank will liaise with the borrower directly on the issues.

Prefer to have Nook do it for you?

You don't have to navigate any of this alone. Nook is a full-service mortgage brokerage — a dedicated loan consultant compares 20+ banks, prepares and lodges your application, chases the bank for updates, and keeps you posted by text and email the whole way. Because the bank pays Nook a commission once your loan is released, the service is 100% free to you. Talk to a consultant or check your rate in 3 minutes to begin.