Mia from Nook
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Find Your Best Home Loan in 60-Secs 👋
No Documents. No Obligation. We'll check which banks will approve your home loan (so you get the best rate available).
What Are You Looking For?
RCBCBDOBPIEastWestUnionBank
Great, this will be quicker
Because you already have a home loan, we don't need to complete the usual qualification steps.
We will now check how much Nook will help you save by refinancing your current home loan
Question 1 of 14
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What type of property are you buying?
Select the type of property you are looking to purchase.
Different property types may have different lending criteria. Select the one that best matches your situation.
Help: Which property status?
1Ready For Occupancy (RFO):
A property in which can be moved in soon after the sale. These are typically units/condos that are ready to move in.
2Home Equity:
Is where you own the property outright already and would like to use the home as collateral to take out a loan for various purposes such as: go on a holiday, buy a car, consolidate debt, pay for education expenses, etc.
3Re-Selling:
You are buying a property from a previous owner (the seller). These are not new properties from a property developer.
4New Construction:
You are building a property. In this case, the home loan will be paid out over several instalments as the property is slowly built.
5Renovation:
Means you own the property already and are wanting to renovate it to upgrade its appearance and/or increase its size. The home loan will be used for the renovation cost.
6Refinancing:
You have a home loan with a bank already but would like to move the home loan to different bank to take advantage of a lower interest rate. The home loan will be moved from Bank A to Bank B.
7Pre-Selling:
Is the stage where a real estate developer is offering or marketing properties — either condominiums, townhouses, or houses and lots — before they have actually completed building them.
Question 3 of 14
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What is the property value?
How much is the property you want to buy?
For values higher than the maximum shown, select the maximum and speak with a Nook expert.
Question 4 of 14
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What is your employment status?
Which option best describes your working situation?
If you need some help with determining your employment status, just click here.
Help: Which employment type?
1Employed - Private Sector:
This is the option most people will chose. It means you are not working for, say, the government nor are you self-employed. Instead, you work for a regular company providing goods or services.
2Employed - Government:
This means you are working directly for the government in some role. Your employer is a Philippines government department.
3Employed - BPO:
This is similar to Employed - Private Sector except the employer is a Business Process Outsourcing (BPO) center.
4Employed - OFW/Seafarer:
This employment type is for Overseas Filipino Workers (OFW) and seafarers. Note that most banks will require a seafarer to be onboard for the application.
5Self-Employed:
This option is for those people that own their own business and their source of income is from that business.
6Professional:
This option is for professionals such as doctors etc.
Question 4 of 14
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Are you employed in any of these occupations?
Some occupations have specific lending restrictions with most banks.
Most major banks have restrictions on lending to certain occupations. If you're in one of these, we can still try to help.
Question 4 of 14
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Do you have ITRs and Audited Financial Statements for the last 2 years?
Banks will want to verify income for self-employed people using these.
ITR stands for Income Tax Return. Banks require these documents to verify income for self-employed applicants.
Question 5 of 14
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How long have you worked for your current company?
This is about employment tenure.
How long have you been working for your current employer? Lenders want to know your stability.
Question 6 of 14
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What is your gross monthly income?
This helps us determine which loan amounts and banks you may qualify for.
Use the slider above to select the amount. Drag left or right to adjust the value.
Question 7 of 14
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Do you have any other sources of income?
Rental income, business income, freelance work, etc. This is added to your total income for assessment.
Including other income sources can increase your borrowing capacity. This includes rental income, business income, investments, etc.
Question 7 of 14
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How much is your other monthly income?
Approximate monthly income from all other sources.
Use the slider above to select the amount. Drag left or right to adjust the value.
Question 8 of 14
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Are you married?
Your spouse's income can be included to increase your borrowing capacity.
If you are married, your spouse's income can be added to yours. This can significantly increase the loan amount you qualify for.
Question 8 of 14
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What is your spouse's gross monthly income?
Your spouse's income will be added to your total household income for assessment.
Use the slider above to select the amount. Drag left or right to adjust the value.
Question 9 of 14
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Will you have a co-borrower?
A co-borrower's income is added to yours, increasing your borrowing capacity. This could be a family member or partner.
A co-borrower is someone who will be jointly responsible for the loan. Their income is added to yours to help you qualify for a larger loan.
Question 9 of 14
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What is your co-borrower's gross monthly income?
Their income will be added to your total household income for assessment.
Use the slider above to select the amount. Drag left or right to adjust the value.
Question 10 of 14
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Do you have any existing loans you are currently paying?
Car loans, personal loans, etc. These are factored into your debt-to-income ratio.
Existing loan repayments affect how much you can borrow. Banks will check your debt-to-income ratio as part of the assessment.
Question 10 of 14
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What is your total monthly repayment on existing loans?
The total amount you pay each month across all existing loans.
Use the slider above to select the amount. Drag left or right to adjust the value.
Question 11 of 14
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Do you have a credit card?
Having a credit card with a good payment history can help your application.
A credit card with a good repayment history helps show banks that you are a responsible borrower.
Question 11 of 14
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Have you ever had a credit card cancelled by the bank?
Banks will check your credit history as part of the application.
A cancelled credit card can negatively impact your credit score and may affect your home loan application.
Question 12 of 14
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What is your nationality?
This affects which banks and loan products are available to you.
Your nationality affects which banks can process your application. Some banks have specific products for foreign nationals.
Question 12 of 14
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Do you have a valid visa to live and work in the Philippines?
Foreign nationals will need a valid visa as part of the home loan application.
Banks require foreign nationals to have a valid working visa or special resident visa to qualify for a home loan.
Question 13 of 14
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What is your date of birth?
Borrowers must be at least 21 years old and no older than 65 at the time of application.
Banks require borrowers to be between 21 and 65 years old at the time of loan application.
Question 14 of 14
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Lastly, just confirming — what type of loan are you looking for?
Just confirming this is for a new home loan and not a refinance or personal loan.
Almost done! Just one more step to confirm what you're looking for.
Sorry, Nook only provides home loan assistance
But our friends at Moneymax can help you for a personal loan. Click the link below to visit the Moneymax website for your next personal loan.
Nook is a mortgage broker. This means we only provide assistance with new and refinancing home loans. We do not assist with cash loans.
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