Save on Home Loans
Keep More of Your Money. Get Out of Debt Sooner.
Compare home loans, avoid costly mistakes, and explore ways to reduce the interest you pay.
Compare smarter, avoid costly mistakes, and find a loan that helps you save more, pay debt off sooner, and buy homes faster.
EXPLORE ESTRA
Whether you want to save on your home loan
or grow your property portfolio,
Estra gives you the tools and insights
to make smarter decisions.
Keep More of Your Money. Get Out of Debt Sooner.
Compare home loans, avoid costly mistakes, and explore ways to reduce the interest you pay.
Make Smarter Property Decisions for Your Future.
Learn how home loans, property costs, and better financial planning can help you work toward your next property goal.
THE PROBLEM
Whether you’re buying a home or already have a loan, the wrong rate, term or fees could cost you for years.
Pay a higher rate than you need to
Stay in debt longer than you need to
Miss fees that change the real cost
THE ESTRA SOLUTION
Estra helps you compare home loans from top banks, understand the real costs, and find a loan that fits your goals — so you can save more and live with confidence.
Free home-loan and refinancing help for customers. Estra may receive a lender referral fee if your loan goes ahead. Banks decide approval and final terms.
See What the Right Loan Could Change
Enter two numbers and see how a different home loan setup could change your result.
We'll compare the same situation using two different home loan setups.
Enter the home loan amount you have in mind.
Use your monthly income before expenses.
What matters most to you?
You could potentially save
₱1.30M
in estimated interest
A lower rate and shorter loan term can make a big difference to what you pay over time.
More Restrictive Loan
Higher rate + lower debt limit
More Flexible Loan
Lower rate + higher debt limit
Example estimate only. This calculator compares a 7.25% rate with a 35% debt-to-income limit against a 6.85% rate with a 50% debt-to-income limit. Save mode checks 5, 10, 15 and 20-year terms and uses the shortest term that fits the example debt limit. Acquire-more mode uses a maximum 20-year term. It assumes no other monthly debt payments. Actual bank calculations, rates, loan terms, income rules and approved loan amounts can be different. Banks make the final decision on approval, loan amount, rates and terms. Estra may be paid by a bank if your loan goes ahead.
Compare Home Loans
See competitive interest rates, fees, monthly payments and loan terms side by side from partner banks. Find the home loan that fits your goals faster and with more confidence.
See rates, payments and loan terms from partner banks in one place.
Find out the fees, total costs and other important details before you choose.
Get the information you need to choose a home loan that fits your goals.
Free home-loan help for customers. Banks make the final decision on approval, rates and loan terms. Estra may be paid by a bank if your loan goes ahead.
Home Loan Options
Modeled comparison
₱5M loanCompare home-loan options from partner banks, including some of the biggest banks in the Philippines, so you can see rates and key loan details side by side.
Modeled estimate based on a ₱5,000,000 loan. Monthly payments and total interest use standard principal-and-interest amortization and assume the displayed rate stays unchanged for the full term. Fee assumptions shown range from 1.5% to 3% of the loan amount. Figures are examples only and are not current bank offers.
From comparing options to understanding the real costs, Estra gives you the information and tools you need to choose a home loan with confidence.
See rates, monthly payments and loan terms from multiple banks in one place.
Find out the fees, loan terms and other important details before you choose.
Get clear information to help you choose the loan that fits your goals.
Choose your home loan and take the next step toward the life you want.
Free home-loan help for customers. Banks make the final decision on approval, rates and loan terms. Estra may be paid by a bank if your loan goes ahead.
Frequently Asked Questions
We’ve answered the most common questions about home loans and how Estra works, so you can move forward with confidence.
Requirements vary by bank. Banks look at things such as your income, existing debts, credit profile, documents and the property. The bank makes the final eligibility and approval decision.
It depends on your income, existing obligations, the property, the loan structure and the bank’s lending rules. The bank decides the final loan amount.
Home loans can include processing, property valuation, documentary and other charges. Some loans may also have costs linked to early repayment. The bank confirms the final fees.
A fixed rate stays the same for an agreed period. After that period it may change. A variable rate can change over time. The exact structure depends on the bank and loan.
No. Estra helps customers understand and compare home-loan options. Banks make the final lending decision and set the final loan terms.
Estra helps move your selected application to the next stage with the bank. The bank may request more information and makes the final decision on approval, rates and terms.
Existing debt payments can reduce how much room you have for a new home loan. Banks consider your existing obligations when assessing how much you may be able to repay.
The maximum loan term depends on the bank, the loan type and your situation. Your age can also affect how long the loan can run.
Free home-loan help for customers. Banks make the final decision on approval, rates and loan terms. Estra may be paid by a bank if your loan goes ahead.
A Smarter Way to Your Own Home
Estra helps you compare options, avoid costly mistakes, and choose a loan that fits your goal.
Free home-loan help for customers. Banks make the final decision on approval, rates and loan terms. Estra may be paid by a bank if your loan goes ahead.
Smarter Home Loan Choices
Keep more of your money for what comes next.
