7 Proven Ways to Get Approved for a Home Loan in the Philippines
Don’t Leave Your Home Loan to Luck—Here’s How to Boost Your Approval Odds
Getting rejected for a home loan is frustrating—but in most cases, it’s also avoidable. At Matchmo, we work with brokers and clients every day to help them navigate the complex home financing process—and we’ve seen the difference that preparation makes.
Here are 7 proven ways to increase your chances of getting approved:
1. Fix Your Credit Score
Banks check your credit history to assess your reliability as a borrower. A low score is often a dealbreaker.
How Matchmo Helps: We help you assess your credit standing early and connect you with lenders that fit your profile.
2. Lower Your Debt-to-Income Ratio
Too much existing debt? That can signal to banks that you’re financially stretched.
Pro Tip: Matchmo can help you review your financials to see which loans to settle before applying.
3. Prepare Complete Documents
Missing or inconsistent files are one of the most common rejection reasons.
With Matchmo: Our checklist ensures all required documents are ready for each bank’s standards—avoiding back-and-forth delays.
4. Choose the Right Property
Not every property qualifies for bank financing. Some are ineligible due to legal, zoning, or appraisal issues.
We’ll Flag It: Matchmo brokers work with accredited properties and developers to ensure smoother approvals.
5. Use a Broker for Guidance
Lenders have different requirements, processes, and risk appetites. Brokers help navigate that maze.
Why It Matters: Matchmo brokers know which banks are more flexible, faster, or generous—based on your profile.
6. Pre-Qualify Before You Apply
Instead of applying blind, pre-qualification gives you a realistic view of your chances—without hurting your credit score.
Use the Matchmo App to pre-qualify and match with lenders instantly.
7. Be Transparent and Consistent
Discrepancies in your documents can raise red flags. Make sure your files and income records are consistent.
Want a Higher Chance of Approval?
Download the Matchmo App to get pre-qualified, matched to the right lenders, and guided by a verified broker—all in one place.
✅ Faster processing
✅ Expert guidance
✅ Better odds of approval
