Home loan questions, answered.

The simplest way is to use a mortgage broker like Nook. Check my rate online — answer a few quick questions and you'll see your options in about 3 minutes. From there Nook compares 20+ banks, matches you to your best-fit lender, and a dedicated consultant takes over the entire application for you. You never fill in bank forms or visit a branch. It's a full-service brokerage and it's 100% free, because the bank pays Nook a commission once your loan is released.

Just go online and check your rate — it takes about 3 minutes. You answer a few quick questions about yourself and the home you want, and Nook shows you your options across our panel of 20+ banks. Pre-qualifying is free, there's no obligation, and you don't need any documents to start. Once you're ready to proceed, a dedicated Nook consultant takes over and prepares your full application for you. You can also chat to a live agent any day from 9:00am to 9:00pm if you'd rather start with a conversation.

None at all. Checking your rate and pre-qualifying with Nook is completely free and carries no obligation to proceed. You're simply seeing what your options look like across 20+ banks. If you decide the timing or numbers aren't right, you can stop at any point — there's no fee and no pressure. Many people pre-qualify just to understand where they stand before they start house-hunting, then come back to Nook when they're ready.

A mortgage broker sits between you and the banks. Rather than you approaching lenders one at a time, Nook compares 20+ banks at once, finds the lender most likely to approve you at the sharpest rate, then manages the whole application on your behalf. Nook does the legwork — preparing and lodging the application, gathering documents and dealing with the bank — so you don't deal with the bank directly. Nook is a full-service brokerage, not a self-serve website, and the service is free to you.

Nook helps Filipinos buy, build, improve or refinance a home — whether you're a first-time buyer, a locally employed professional, self-employed, or an Overseas Filipino Worker. Because everything is handled online with a dedicated consultant, you can use Nook from anywhere in the Philippines or overseas. If you're not sure you'd qualify, the quickest way to find out is to check your rate — it takes about 3 minutes and costs nothing, with no obligation.

Yes — OFWs are very welcome and Nook is built for them. The whole process is online, so you can pre-qualify and complete your application from anywhere in the world without flying home. Nook has happy clients based overseas, including in France and Italy, who secured Philippine home loans without leaving where they work. Consultants are available daily from 9:00am to 9:00pm and can chat on Messenger, WhatsApp or Telegram, so distance and time zones are never a barrier.

Yes. Self-employed Filipinos and business owners can absolutely get a home loan — the key is matching you to a bank that's comfortable with your income type. Different lenders treat self-employed income very differently, which is exactly where a broker helps: Nook compares 20+ banks and steers your application to the ones most likely to approve you, then handles the paperwork. The fastest way to see your options is to check your rate online or chat to a consultant.

No — you don't need a deposit ready to start with Nook. You can pre-qualify and see your options first, free and with no obligation. Most banks in the Philippines do require some equity or down payment on the property, and the exact amount varies by lender and property type. Your Nook consultant will explain what each bank on your shortlist expects, so you know where you stand before you commit to anything.

It's worth trying again through a broker. Banks have very different criteria, so a no from one lender doesn't mean a no from all of them. Nook compares 20+ banks and matches you to the ones most likely to approve someone in your situation, rather than letting you apply blindly. The best step is to check your rate or chat to a consultant — they'll look at your circumstances honestly and tell you where you have the strongest chance.

Yes — Nook is 100% free for you. Banks pay Nook a commission once your loan is released, so you get a dedicated consultant, access to 20+ lenders and a fully managed application at zero cost. There are no hidden Nook fees and no charge for comparing banks or getting pre-qualified. The only costs in any home loan are the bank's own fees, which Nook explains clearly up front so there are no surprises.

Because the banks pay Nook, not you. When Nook brings a bank a well-prepared, well-matched borrower and the loan is released, the bank pays Nook a commission. That model lets Nook offer a dedicated consultant and a fully done-for-you application at no cost to the borrower. The fee doesn't come out of your pocket and isn't added to your loan — you simply get expert brokering for free. It's the same way mortgage brokers operate in many countries.

With Nook, nothing — the service is free to the borrower. Banks pay Nook a commission when your loan is released, so you're not charged a broker fee and nothing is added to your loan for using Nook. You still pay the bank's own standard fees on any home loan, but those are the same whether you go through a broker or not. Using Nook simply gets you expert help and 20+ banks compared at no extra cost to you.

No. Using Nook doesn't add anything to your loan or your repayments. You pay the bank's normal rate and standard fees — exactly what you'd pay applying directly — and Nook's commission is paid by the bank on top, not by you. If anything, comparing 20+ banks at once often helps you land a sharper rate than you'd find on your own, which can make your loan cheaper over its life, not more expensive.

Yes. Every Nook client is assigned a dedicated loan consultant who runs your application from pre-qualification through to approval. They're your single point of contact — you deal with one person who knows your file, instead of being passed between bank officers. They tell you what's needed, prepare your application, chase the bank, and keep you updated by text and email at every stage, so you always know where things stand without having to chase anyone.

You provide your information and the documents the bank needs; Nook handles everything else. That means comparing 20+ banks, matching you to the best-fit lender, preparing and lodging the application, chasing documents, and managing all communication and follow-ups with the bank. You don't fill in bank forms, visit branches or play phone-tag with loan officers. Your job is to share accurate details and respond when your consultant asks for something — Nook does the heavy lifting.

Nook compares 20+ banks and lenders across the Philippines. The panel includes major names like BDO, BPI, Security Bank, EastWest, UnionBank, RCBC, China Bank, Maybank, AUB, PSBank, Robinsons Bank and CTBC. Every lender is different — each has its own rates, criteria and appetite — so Nook looks across the whole panel to find the loan that fits your situation best, rather than pushing you toward any single bank.

If you go to a bank directly, you're limited to that one bank's rates and criteria, and you do all the form-filling, document chasing and follow-ups yourself. With Nook you get 20+ banks compared at once, you're matched to the lender most likely to approve you, and Nook completes the entire application for you. You deal with one dedicated consultant instead of multiple bank officers — and it costs you nothing, because the bank pays Nook.

No. Nook's job is to match you to the bank most likely to approve you at the best rate for your situation — that's how Nook earns five-star reviews and repeat referrals. Nook compares across the whole panel of 20+ lenders on your behalf. The service being free to you doesn't change who Nook recommends; getting you the right loan is exactly what makes the model work, because Nook is only paid once your loan actually goes through.

It is usually better to separate the property advice from the loan advice. A real estate broker is paid to sell the property, and may have referral incentives with a developer, bank or partner. That means the loan they suggest could be the one that earns them the most commission, not the bank that gives you the strongest approval chance or sharpest rate. Nook focuses only on the home loan and compares 20+ lenders for you.

Because the person selling the property may also benefit if you choose a particular financing route. Even when the broker is helpful, their recommendation can be shaped by convenience, developer relationships or referral fees. Borrowers need the loan assessed independently across lenders, because the bank that suits the sale is not always the bank that suits your income, documents, property type and long-term repayments.

Nook is not trying to sell you the property. Our role is to compare 20+ banks and match your borrower profile to the lender most likely to approve you at a competitive rate. A dedicated consultant explains the bank match, prepares the application and handles the follow-ups. The service is free to you because the bank pays Nook only when your loan is released, so the work is judged by getting you approved with the right lender.

Yes. If you're on an older rate, Nook can compare 20+ banks to find you a better one and handle the entire takeout for you — for free. Many Filipinos are sitting on yesterday's rates and paying more than they need to. Nook looks at your current balance, rate and remaining term, then shows what switching could save over the life of your loan. If it's worth moving, Nook manages the paperwork and bank communication so you don't have to.

Refinancing is usually worth it when your current rate is higher than what's available today and you have enough loan term left to recoup any switching costs. The easiest way to find out is to let Nook compare your current loan against 20+ banks — for free. Nook looks at your balance, rate and remaining term and shows you the likely saving, with no obligation to switch. If the numbers don't stack up, Nook will tell you straight.

Yes. Refinancing through Nook is free to you, exactly like a new home loan — the new bank pays Nook a commission once the loan is released. Nook compares the market, finds you a better deal and handles the entire takeout from your current lender for you. You'll still pay any standard bank or transfer fees involved in moving the loan, which Nook explains up front so you can see whether the switch leaves you ahead before you commit.

Nook helps with a full range of housing loans: acquisition (buying a home), construction, home improvement, home equity, and refinancing of an existing loan. Nook works across property types too — house and lot, vacant lot, townhouse, condo and apartment. Whether you're buying your first home, building, renovating, unlocking equity or moving to a better rate, Nook matches you to the lender and loan structure that best fits your goal.

Yes. Nook handles your application through a secure digital platform, and only shares your details with the lenders relevant to your loan so they can assess it. Your information is used to match you to the right bank and progress your loan — nothing more. If you have any specific questions about how your data is handled, just ask your consultant and they'll walk you through it before you submit anything.

You can chat with a real Nook loan consultant any day from 9:00am to 9:00pm. Reach Nook on Messenger, WhatsApp or Telegram — whatever's easiest for you — and a caring expert will answer your questions with no obligation. Prefer to talk? You can also book a call. Whether you just want to understand your options or you're ready to apply, there's always a real person on the other end ready to help.