Commission & Referral Disclosure

2.1 Referral Commissions from Lenders

Estra Finance earns a referral commission from participating lenders when a loan application submitted through our Platform results in a successfully approved and disbursed loan. This fee is paid by the lender — not by you.

• This structure is standard in the Philippine home loan facilitation industry
• Commission rates may vary by lender and loan product

2.2 Subscription Fees

Estra Finance offers optional premium subscription plans to borrowers and property investors for access to advanced financial tools, equity tracking, and portfolio features. Subscription fees are disclosed at the point of purchase.

2.3 What We Do NOT Earn

• We do not charge borrowers any fee for submitting a loan application
• We do not receive payment for placing any lender at a higher ranking than it would otherwise merit

3.1 Loan Rankings

Loan options displayed on the Platform are ranked primarily based on your submitted information and objective lending criteria such as interest rate, loan term, fees, and eligibility. However, you should be aware that:

• Only lenders with whom Estra has a formal referral arrangement are available on the Platform
• Estra may give priority visibility to lenders with active referral agreements
• Loan rankings should be considered one input in your decision-making, not a definitive recommendation

3.2 Partner Lenders

Estra Finance currently maintains referral arrangements with the following lenders:

• BDO Unibank
• Bank of the Philippine Islands (BPI)
• China Bank Savings
• UnionBank of the Philippines
• Security Bank Corporation
• Metropolitan Bank & Trust Company (Metrobank)
• Maybank Philippines
• Philippine National Bank (PNB)

The existence of a referral arrangement does not mean that a particular lender is more suitable for you than any other.

3.3 No Bias in Eligibility Assessment

Estra's loan matching algorithm assesses your eligibility based on each lender's criteria — including Debt-to-Income (DTI) ratios, fixed rate periods, income computation methods, and credit requirements — and not on the commission rate any particular lender pays. Commission rates from partner lenders are standardised and do not vary based on which lender you select.

4.1 Partner Commission Structure

Referral partners earn a flat commission based on the approved loan amount:

4.2 How Partner Commissions Are Funded

Referral partner commissions are funded from the referral fees Estra receives from lenders. Partner commissions are not charged to borrowers and do not affect the interest rates or loan terms offered to you.

4.3 Disclosure to Borrowers

If you were referred to Estra Finance by a third-party partner, you should be aware that:

• That partner may earn a commission if your loan is successfully approved
• That commission is paid by Estra Finance, not by you or the lender directly
• The referral relationship does not obligate you to proceed with any loan application
• Your personal and financial information will be handled in accordance with our Privacy Policy regardless of how you were referred

4.4 Partner Conduct Requirements

All referral partners are required by Estra Finance to:

• Not guarantee loan approval or specific rates to clients
• Not present themselves as representatives or employees of any lender
• Use only approved Estra materials when describing the platform to clients
• Comply with RA 11765 and all applicable consumer protection laws