Apply for a New IDEAL Home Loan - Check Out a Free Home Loan Simulation

Buy your dream home in just 4 easy steps:

Pre-credit assessment by IDEAL Home Loan. We'll look at your profile, income, and obligations to see what kind of loan fits you best.

Send your documents to IDEAL Home Loan. We'll take care of sending them to multiple partner banks.

Our partner banks will review your application, just like they normally would.

Get multiple home loan offers and choose the one that works best for you!

Apply once, reach many banks!
No need to fill out forms for each one.

Fast and hassle-free!
We make the process smooth from start to finish and guide you with clear explanations at every step.

We've got your back all the way!
We'll assist you from application to signing your contract.

Check your credit profile instantly!
No need to wait for days

Get the smartest loan recommendations!
Local market knowledge and hands-on support.

Get expert guidance, not just rate comparisons
Choose the best terms with the help of our Home Loan Experts

Fill out our home loan calculator with your preferred details to find out the estimated total home loan, installment amount, and your loan term.

Monthly Income

₱

Age

Loan Term

Ongoing monthly installment

₱

Summary

With your current income, you can borrow

₱0

for home loan

With a monthly payment of

₱0

for

Year

See what documents you'll need for your primary home loan application

	Locally Employed	Self-Employed	OFW
Valid IDs (2 government IDs, e.g. Philsys, SSS, Passport, Driver's License)
Proof of Business or Employment (Certificate of Employment (COE) / Valid DTI Registration OR Mayor's Permit / Latest Contract)			with authorization letter to verify
Proof of Income (Payslips from the last 3 months, ITR + Audited financial statements (last 2 years, bank remittance proof))			with authorization letter to verify
Trade references with complete contact information (business name, complete address, contact person, business phone number) * Major suppliers (at least 3) * Major clients (at least 3)
Authorization Letter to verify employment/ conduct trade verification
TCT / CCT OR notarized CTS / Offer-to-Sell from registered owner
Tax Documents Updated (Tax Declaration, Tax Clearance, Tax Receipt)
Authorization for Tax Mapping / Property Inspection (signed by current owner)
Appraisal Fee Payment (≈ Php 5,000)
Special Power of Attorney (SPA)	Optional	Optional

Our partners who have collaborated with us

You can learn more about primary home loan applications through this FAQ