Buy Your Dream Home in the Philippines — From Anywhere
Free calculators and guides built by a former OFW, licensed real estate broker. Free tools for OFWs. No signup required. No sales pressure. Just guidance.
Aaron Zara
Licensed Broker · PRC No. 0025157
Former OFW. I represent buyers only, never developers. The tools stay free whether or not you work with me.
Affordability Calculator
2026 Pag-IBIG Rates35% debt-to-income cap · 8.50% fixed for the 20-year term · ₱6,000,000 Pag-IBIG ceiling
Full calculatorBuilt for OFWs, by a Former OFW
I understand the challenges of buying property from abroad. These free tools help you make informed decisions.
Currency Conversion Built-In
Enter your salary in AED, SGD, USD, or any OFW currency. See your buying power in Philippine Pesos instantly.
Accurate Pag-IBIG Rates
Updated 2026 Pag-IBIG interest rates and loan limits. Know exactly what you qualify for before applying.
No Signup Required
Use all tools free, instantly. No email capture, no registration walls. Just helpful calculators.
Licensed Real Estate Broker
PRC-licensed broker. Work with me only if you want to — the tools are free regardless.
Remote Buying Guidance
SPA templates, document checklists, and step-by-step guides for buying property while working abroad.
No Pushy Sales Tactics
I work for YOU — not developers, not your family. Honest advice, no pressure.
How It Works
Check Your Affordability
Use the Affordability Calculator with your foreign salary. See how much house you can afford in Philippine Pesos.
Compare Financing Options
See Pag-IBIG vs bank loan side-by-side. Understand interest rates, monthly payments, and total cost.
Get Your Document Checklist
Generate a personalized list of documents you need based on your situation — employment type, country, loan type.
Connect When Ready
When you're ready to buy, chat with me on Viber. No commitment until you say so.
Free Tools
Calculators and lookup tools to help you make informed decisions. No signup required.
Affordability Calculator
Enter your foreign salary, see how much property you can afford in PHP.
Calculate ComparisonPag-IBIG vs Bank
Compare monthly payments and total interest between Pag-IBIG and bank loans.
Compare LookupBIR Zonal Value Finder
Look up official zonal values for any property. Essential for computing taxes.
Find Zonal Value CalculatorNet Proceeds Calculator
Calculate take-home amount after selling. Includes CGT, DST, and broker fees.
Calculate GeneratorDocument Checklist
Get a personalized list of documents based on your situation.
Generate IndexAll Tools
Browse all free calculators, quizzes, and lookup tools.
View AllFree Guides for OFWs
In-depth guides covering everything from financing to remote buying. Written for OFWs, by a former OFW.
OFW Condo Buying Guide
Country-specific guide with SPA requirements, remittance options, and timezone tips for 10+ countries.
Read GuidePag-IBIG Housing Loan Guide
2026 rates, eligibility, application process, and tips for OFWs applying from abroad.
Read GuideSPA Guide for OFW Buyers
How to prepare your Special Power of Attorney — what to include, where to authenticate, common mistakes.
Read GuideBuying Property from Abroad
Step-by-step process for purchasing property remotely — from reservation to title transfer.
Read GuideSelling Property from Abroad
How to sell your Philippine property while working overseas. Covers taxes, SPA, and net proceeds.
Read GuideAll Guides
Browse all our free guides covering buying, selling, financing, and more.
View AllFrequently Asked Questions
Common questions from OFWs buying property in the Philippines.
Ask me directly on ViberCan I get a Pag-IBIG loan while working abroad?
Yes, through the Pag-IBIG Overseas Program. You need at least 24 monthly contributions to qualify for a housing loan. You can continue contributing while abroad.
Do I need to be in the Philippines to buy property?
No. You can execute a Special Power of Attorney (SPA) authorizing someone in the Philippines to sign documents on your behalf.
How much down payment do I need?
For Pag-IBIG loans: 5% for properties under P2.5M, 10% for properties over P2.5M. Bank loans typically require 20% down payment.
What's the maximum Pag-IBIG housing loan?
P6,000,000 as of 2026. Your actual approved amount depends on your income and contribution history.
Is it better to get Pag-IBIG or bank financing?
Pag-IBIG usually has lower interest rates (5.75% - 9.75%) but longer processing. Banks are faster but rates are higher (7.5% - 9.5%).
Are your tools really free?
Yes, 100% free. No signup, no hidden fees. I earn only if you choose to work with me as your broker — and that's entirely your choice.
How do I start the property buying process as an OFW?
Start with our free Affordability Calculator to know your budget. Then check your Pag-IBIG contributions (24 months minimum for housing loan). Prepare an SPA if buying remotely, and consider working with a licensed broker who understands OFW requirements.
How long does it take to buy property from abroad?
Typically 3-6 months from property selection to turnover. The loan approval process takes 2-3 months for Pag-IBIG. Pre-selling properties may take longer depending on construction timeline. Having complete documents ready speeds up the process significantly.
Who is Aaron Zara and what is Homeward?
Aaron Zara is a former OFW and PRC-licensed real estate broker (License #0025157) who built Homeward to help fellow OFWs navigate property buying in the Philippines. Homeward provides free calculators, guides, and tools — with optional broker services if you need hands-on help.