When it comes to home loans, the first thing that comes to mind is the Pag-IBIG Fund. A strong testament to that is its ₱100.08 billion worth of home releases in 2021. It seems the momentum continues, as the state-run home development mutual fund projects will reach ₱105 billion by the end of 2022.[1]
Without a doubt, many Filipinos choose Pag-IBIG to finance their dream home. However, banks also offer home loans with competitive rates and flexible terms. The number of choices can be overwhelming, but that shouldn’t be a problem since we’ve already handpicked the most practical offers.
Check out this list to find the best housing loan in the Philippines.
Your options for the best housing loan in the Philippines come from some of the most reputable banks out there. This list summarizes all you need to know about the best banks for a housing loan, from features to requirements.
RCBC
RCBC offers the lowest minimum loan amount on this list. This is particularly useful if you plan to borrow just a fraction of the home’s price tag and repay the loan as quickly as possible.
RCBC Home Loan Features
Minimum loan amount: ₱300,000
Interest rate: 6.88% to 11% depending on the term
Loan term: Up to 20 years
Fixing option of one to 20 years
Can be used for the purchase of a house and lot, vacant lot, and home renovation
If a foreigner, the applicant must be married to a Filipino citizen.
At least 21 years old upon loan application
Up to 65 years old upon loan maturity (70 years old for self-employed applicants)
Must have a mobile number and a residence or office landline
Minimum employment tenure of one year and minimum gross monthly income of ₱40,000
If an OFW, the applicant must have worked abroad for at least two consecutive years
If self-employed, the business must be profitable for the last two years
RCBC Home Loan Requirements
Accomplished RCBC Home Loan application form
Copy of Transfer Certificate of Title (TCT) and Tax Declaration (Land and Improvement)
Bill of Materials (Construction)
Documents for employed applicants:
Certificate of Employment
Latest Income Tax Return (ITR)
Two government-issued IDs
Tax Identification Number (TIN)
Utility bill
Documents for self-employed applicants:
DTI Business Registration Certificate
Audited financial statements
Income Tax Return
Bank statements
UnionBank
UnionBank is one of the fastest-growing banks in the Philippines that offer attractive financial products to Filipinos. It won the most number of awards among all participating banking institutions at The Asian Banker Financial Technology Innovation Awards 2021.[2] UnionBank also bagged the top award as the Asia Trailblazer Institution of the Year at the 2021 Retail Banker International Asia Trailblazer Awards in Singapore.[3]
If you’re looking to get a home loan from a bank that’s well-recognized in the Asian market, UnionBank may be the right choice for you.
It’s also easy to get a UnionBank home loan with its wide range of accredited real estate developers. If you’re buying from any of its accredited developers, like Avida, Ayala, Camella, Filinvest, Megaworld, or SMDC, you can apply for a UnionBank housing loan as long as you satisfy the bank’s requirements.
UnionBank Home Loan Features
Minimum loan amount: ₱500,000
Maximum loan amount: 90% of the property’s appraised value
Interest rates: 6% to 11%
Loan term: One to 20 years
Allows 10% to 99% down payment
Can be used for the purchase of a lot, house and lot, or condominium, house construction, refinancing, or home renovation
Quick approval time
Who Can Apply for a UnionBank Home Loan?
21 to 65 years old but not exceeding age 70 upon loan maturity
Filipino or former Filipino citizen
Employees with permanent status
Self-employed individuals whose business has been operating profitably for at least two years
OFWs
UnionBank Home Loan Requirements
Accomplished Unionbank Home Loan application form
Valid ID (SSS/GSIS/TIN ID)
Marriage contract (if married)
Latest income documents for employed applicants:
Certificate of Employment with salary details
Payslips for the last three months
Latest income documents for self-employed applicants:
DTI or SEC Business Registration Certificate
Financial statements
Bank statements for the last six months
ITR
List of customers or suppliers with contact information
The Security Bank housing loan was named the Home Loan Product of the Year in 2019 at the Asian Banking and Finance’s Wholesale and Retail Banking Awards.[4] This validates the bank’s high-quality loans and services.
On top of that, Security Bank brought home seven awards at the 18th Philippine Quill Awards for its corporate social responsibility initiatives and communications programs.
Security Bank Housing Loan Features
Minimum loan amount: ₱1 million
Maximum loan amount: 90% of the property’s appraised value, up to ₱10 million
Interest rates:
Loan term: Up to 25 years
Quick approval time of ten banking days, depending on submitted documents
Can be used for the purchase of a house and lot, vacant lot, or condominium unit
Can also be used for home construction, renovation, or refinancing
Who Can Apply for a Security Bank Housing Loan?
At least 21 years old but not more than 65 years old upon loan maturity
Earning a combined monthly income of ₱50,000
Continuous employment for at least two years
For self-employed: Must be operating a legitimate and profitable business for the last three years
Security Bank Home Loan Requirements
Accomplished loan application form
A clear copy of one valid ID with picture (same requirement for spouse or co-borrower)
PSA Marriage Certificate for married applicants
Certification of No Marriage (CENOMAR) for single applicants
Latest Certificate of Employment (COE) with six-month validity
Collateral requirements
Copy of title (TCT/CTC)
Copy of Tax Declaration on land and improvement (if applicable)
Copy of payment of appraisal fee (SBC Universal Transaction Slip)
Requirements for Acquisition from Accredited Developer, Contract to Sell, Reservation Agreement, Home Construction or Renovation
Bill of Materials and Estimates of Construction and Labor Cost
Floor and building plan and building specifications
AUB
The bank describes its home loan services as “personalized,” which means you can expect it to provide sound advice regarding your plans. New home buyers will certainly benefit from this service. On top of that, AUB offers an interest rate cap on its home loan, which may protect you from rising interest rates in the future.
AUB Preferred Home Loan Features
Minimum loan amount: ₱1 million
Maximum loan amount: Up to 80% of the appraised property value
Interest rates:
6% fixed for one year
6.5% fixed for three years
7% fixed for five years
Loan term: Up to 20 years
Easy repayment through auto-debit arrangement
Home Rate Protect that puts an interest rate cap of 9% on home loans
AUB Preferred Home Loan Requirements
Accomplished AUB Preferred Home Loan application form
Photocopy of
Two valid IDs each from the principal borrower and co-borrower
Marriage Contract or CENOMAR (whichever is applicable)
Collateral Requirements:
Photocopy of collateral title (TCT/CCT), lot plan/vicinity map/ subdivision plan, and updated Tax Declaration, tax receipts, and tax clearance
Statement of Account, Reservation Agreement, or Contract to Sell, for Accredited Developers
Photocopy of income documents for employed applicants:
Certificate of Employment
Payslips for the last three months
Latest ITR/BIR form 2316
Photocopy of income documents for self-employed applicants:
Business registration documents (SEC Registration/Articles of Incorporation/Bylaws/GIS or DTI Certificates/Mayor’s Permit/Business Permit
Bank statements for the last three months
Audited financial statements for the last two years
ITR for the last two years
List of major trade suppliers and customers with contact details (if applicable)
China Bank
With flexible repayment terms and multi-purpose loans, China Bank makes a great pick for first-time home buyers. You can have your interest rate fixed for one, five, or ten years.
China Bank HomePlus Loan Features
Minimum loan amount: ₱500,000
Interest rates:
5.50% for one-year fixing
6.25% for two-year and three-year fixing
7.25% for four-year and five-year fixing
Loan terms:
Condo units - up to 15 years
Vacant lots - up to 10 years
House and lot - up to 20 years
Quick processing
Can be used for the purchase of different real estate properties, house construction, refinancing, and reimbursement
Easy repayment via automatic debit arrangement
No hidden charges
Who Can Apply for a China Bank HomePlus Loan?
At least 23 years old but not more than 65 years old upon loan maturity
With a steady and verifiable source of income
Has a supervisory/managerial position at a reputable company for at least three years
Minimum gross monthly income:
₱50,000 (Metro Manila and Metro Cebu) and ₱35,000 (other provinces)
No adverse records or credit findings, such as court cases, bouncing checks, unpaid loans, or canceled credit cards, among others
China Bank HomePlus Loan Requirements
Accomplished China Bank HomePlus Loan application form
Photocopy of one Valid ID (TIN, Community Tax Certificate, passport, company ID, driver’s license)
Photocopy of marriage contract (if married)
Photocopy of Certificate of No Marriage (CENOMAR)
For locally employed applicants:
ITR
Certificate of Employment stating the length of service and monthly compensation package
Latest payslips for the last three months
For land-based OFWs:
Latest Certificate of Employment and Compensation (COEC) stating position and length of service
Latest payslips for the last three months
Special Power of Attorney (SPA) and Bank Template
Designated Attorney-In-Fact (AIF)
For sea-based OFWs:
Latest POEA contract
Latest Certificate of Sea Service
Special Power of Attorney (SPA) and Bank Template
Designated Attorney-In-Fact (AIF)
For self-employed applicants:
Audited financial statements and ITR for the last three years (BIR-stamped)
Certificate of Registration of Business Name
Complete list of suppliers and clients, including contact person and number
Audited financial statements for the last three years
Bank statements
Profession Information Sheet (bank template) if professional
For partnerships/corporations:
SEC registration, Articles of Incorporation and bylaws
ITR with audited financial statements for the last three years
Latest bank statements or photocopy of passbook for the last six months
Board or partnership resolutions or secretary’s certificate
Current General Information Sheet (GIS)
Company profile
Complete list of suppliers and clients, including contact person and number
Collateral Requirements
Photocopy of owner’s duplicate copy of Transfer/Condominium Certificate of Title
Vicinity or location map and lot plan
Current tax declarations, tax receipts, and tax clearance
Bill of Materials and Building Plan (for house construction or renovation)
HSBC
Wondering why HSBC offers one of the best housing loans in the Philippines? Homeowners who need more funds to purchase property in expensive areas turn to global banks like HSBC because they offer home mortgage loans of up to ₱50 million.
HSBC Home Mortgage Loan Features
Minimum loan amount: ₱700,000
Maximum loan amount: ₱50,000,000
Interest rate: 4.99% to 6.29%
Loan-to-value ratio (LTV): 60% to 80% maximum of the appraised value or selling price of the collateral or property, whichever is lower
Loan term:
12 months up to 10 years
Or up to client's age of 65 upon loan maturity, whichever is earlier
Acceptable property types:
House and lot
Condominium
Townhouse
Vacant lot (for a residential house)
Pre-sell residential properties of accredited developers
An HSBC Home Mortgage Loan can be used to:
Purchase owner-occupied residential property, which may include the borrower’s immediate family
Refinance a residential mortgage with another financial institution
Finance a construction, renovation, or addition to an existing residential property
Reimburse a purchased property
Flexible repayment schemes
An array of interest-rate fixing options for new loans and repricing
Who Can Apply for an HSBC Home Mortgage Loan?
At least 21 years old at the time of application
Minimum gross monthly income: ₱300,000
HSBC Home Mortgage Loans Requirements
Accomplished home loan application form
One government-issued ID with photo
For employed individuals (any of the following):
Latest ITR
Certificate of employment
Last three months’ payslips
For self-employed individuals: latest ITR for the last three years
For OFWs:
Proof of employment (contract or Certificate of Employment with the following details: salary, position, and length of service)
Proof of permission to work (visa, POEA ID, or POEA certificate)
Maybank’s MaxiHome Loan is recognized for offering unique financing options that depend on the borrower’s purpose. They have options for home acquisition, home construction, home equity, and home loan refinancing. Simply put, applying for a MaxiHome Loan lets you own a new address, be it a house, a condominium, a townhouse, or a lot.
Maybank MaxiHome Home Loan Features
Minimum loan amount: ₱500,000
Interest rate:
6.75% for one-year fixing
7.25% for three-year fixing
7.50% for five-year fixing
Maximum loan term: 20 years
All properties are subject to appraisal. Appraisal fee is non-refundable
Loan accounts are subject to Life/Mortgage Redemption Insurance (MRI) and Fire Insurance (FI) coverage
Who Can Apply for a Maybank MaxiHome Home Loan?
Borrowers of legal age and not older than 65 years old when the loan matures
Employed for a minimum of two years
If self-employed, the business must be operational for at least three years and profitable in the last 2 years
For overseas workers - Should have a contract of employment for a minimum of two years
Seafarers must be in at least an officer-level position working for no less than two consecutive years
An attorney-in-fact for overseas workers or seafarers
Maybank MaxiHome Loan Requirements
A completely filled-out Maybank loan application form
Government-issued IDs
Marriage certificate (if married) and CENOMAR (if single)
If employed:
Three months payslips
ITR
Certificate of Employment for both spouses
If self-employed:
Business registration or permits
Latest two years' ITR and audited financial statements
Company profile or business background
List of major suppliers and customers with contact details (at least five)
Latest six months' bank statements or passbook
If an overseas worker:
Employment certificate
History of employment or last crew contact
Special Power of Attorney using Maybank’s format
Latest ITR, six months' bank statements, and proof of remittances
PNB
Need the best home loan in the Philippines for various purposes―from the purchase of a new house to reconstructing your current home? Then check out PNB’s Housing Loan.
PNB offers one of the best housing loan rates and terms in the Philippines, allowing you to own your dream home at a price you can afford.
PNB Housing Loan Features
Minimum loan amount:
Lot purchases within and outside Metro Manila: ₱500,000
House and lot, townhouse, or condominium purchase within Metro Manila: ₱750,000
₱500,000 outside Metro Manila
Maximum loanable amount:
Lot property: up to 70% of the appraised value
House and lot, townhouse, or condominium: up to 80% of the appraised value
Interest rate: 6.25% per annum (current rate = 1.25% + 5% fixed rate)
Maximum loan term:
Lot purchase, home improvement, or redesign: Up to 10 years
Purchase of house and lot, townhouse, or condominium unit, and for house construction: Up to 20 years
Accredited home developers: Eton, Ayala, Filinvest, Robinsons, Arthaland, Megaworld, SMDC, DMCI, Vista Land, Shang Properties
Who Can Apply for a PNB Housing Loan?
Filipino citizen
At least 21 years of age, but not more than 65 years of age upon maturity of the loan
Employed or self-employed individuals
PNB Housing Loan Requirements
Fully accomplished PNB Housing Loan Application Form
Copy of one valid ID of the borrower/spouse/co-borrower/signatories of the loan
If employed (any of the following):
Latest ITR
Latest Certificate of Employment
Payslips for the last three months
If Overseas Filipino Worker (any of the following):
Latest employment contract
Latest Certificate of Employment with compensation
Latest payslips for the last three months
If self-employed (any of the following):
DTI or Business/Mayor’s Permit
ITR or AFS
If an individual with a corporate business:
Bank statement (personal and corporate) for the last six months
SEC registration
General Information Sheet
ITR or AFS
Collateral requirements:
Copy of Collateral Title (TCT or CCT)
Copy of Tax Declaration on Land or Building
Lot plan and vicinity map
For construction: Bill of Materials, building/floor plan, building specs
For acquisition from accredited developer: contract to sell
For purchase of house and lot/vacant lot: Deed of Absolute Sale or Contract to Sell
For refinancing or loan take-out: Statement of Account from Mortgagee Bank
9. Metrobank
Metrobank allows borrowers to loan up to 80% of the property’s selling price. This is ideal for those with a small down payment. The bank’s program suits not only first-time homeowners—if you’re looking to buy your second home, consider their package the best housing loan in the Philippines. This is because it allows you to use your existing property as collateral to get a new real estate asset.
Metrobank Home Loan Features
Minimum loan amount: ₱500,000
Maximum loanable amount: Up to 80% of the property’s price
Interest rate:
7.75% for one-year fixing
8% for two-year fixing
8.50% for three-year fixing
8.75% for four-year or five-year fixing
Maximum loan term: Up to 25 years
Eligible purposes for the loan:
Lot purchase
House construction
Second home acquisition using the existing property as collateral
Reimbursement
Refinancing
Home upgrades
Who Can Apply for a Metrobank Home Loan?
Filipino citizens
At least 21 years old
With at least a gross monthly income of ₱40,000
If employed, must have a permanent status with the current employer for the last two years
If self-employed or running a business, business must be profitable for at least three years
If Overseas Filipino Worker or Overseas Contract Worker, with or without a permanent residency status in their host country
Metrobank Home Loan Requirements
If employed:
Duly accomplished application form
One valid government-issued ID (passport is preferred)
Certificate of Employment (COE) with compensation, position or job title, date of employment or tenure OR latest electronic payslips for the last three months OR latest ITR or BIR Form 2316
Marriage contract, if applicable
If OFW:
Duly accomplished application form
Valid passport
Certificate of Employment (COE) with compensation, position or job title, tenure, employer’s email (original if land-based) OR latest POEA contract and Certificate of Sea Service with work history and tenure (if sea-based)
Proof of monthly remittance for the last six months in the name of the OFW or his immediate family members OR payslips or payroll bank statements for the last three months
Marriage contract, if applicable
If running a business:
Duly accomplished application form
One valid government-issued ID (passport is preferred)
Business documents: DTI Certificate of Registration or Business Permit for single proprietorship; SEC Registration with Articles of Incorporation and By-Laws (or Articles of Partnership) for corporations or partnerships
Latest ITR and audited financial statements (AFS) for the last two years
Latest bank statements for the last six months
Marriage contract, if applicable
If partnership or corporation:
Duly accomplished application form (Partnership and Corporation)
SEC Registration with Articles of Incorporation and By-Laws (or Articles of Partnership)
Updated GIS with names of senior management and stockholders
Latest ITR and audited financial statements (AFS) for the last two years
Latest bank statements for the last six months
Collateral requirements:
Duplicate copy of Transfer Certificate of Title (TCT) or Condominium Certificate of Title (CCT)
House Plans/Bill of Materials/Building Specifications (if construction loans)
Contract to Sell (CTS) or Reservation Agreement (RA) (if under developer’s tie-up)
Tax Declaration on Land and/or Improvement
Appraisal and title investigation fees (non-refundable)
BPI
The oldest bank in Southeast Asia offers a home loan that can be used for a variety of real estate-related purposes. You can use it to buy a new home, fund your construction or renovation, and get a property equity loan using your existing property as collateral.
BPI Home Loan Rates and Features
Minimum loan amount: ₱400,000
Maximum loanable amount: Up to 90% of the property’s price
Interest rate:
6.25% for one-year and two-year fixing
6.75% for three-year fixing
7.25% for four-year or five-year fixing
9.50% for 10-year fixing
10.50% for 15-year fixing
12% for 20-year fixing
Maximum loan term: Up to 20 years
Eligible purposes for the loan:
New home purchase
House construction
Renovation
Property Equity Loan
Who Can Apply for a BPI Home Loan?
Filipino citizens
At least 21 years old but not more than 70 years old upon loan maturity
With at least a gross monthly income of ₱40,000
BPI Home Loan Requirements
If employed:
Duly accomplished application form
Latest Certificate of Employment (COE)
Latest payslips for the last three months
Latest ITR
Authorization letter for employment verification
Bank statements of payroll account with authorization letter
If commission-based employee, COE that states commissions received the prior year/months/period and commissions receivable, if any; bank statement where commission is credited with authorization letter
If foreigner, Filipino spouse who will act as the primary borrower
If self-employed:
Duly accomplished application form
DTI registration or Mayor’s Permit
Latest ITR with audited financial statements (AFS)
Working account (six months) with authorization letter
Authorization letter for trade verification
Trade references with complete contact details, such as the following: business name, complete address, contact person, and business contact number. These should include at least three major suppliers and at least three major clients
If part owner of a partnership/corporation: individual ITR and payroll account where claimed salaries are credited with an authorization letter
If practicing professional, clinic or office address with complete contact details
If pensioner:
Duly accomplished application form
Certificate of Pension with an authorization letter
Bank statements of the pension account with an authorization letter
SSN
If OFW:
Duly accomplished application form
Latest contract with an authorization letter
Proof of bank remittance with an authorization letter
Attorney-in-Fact/loan administrator (next of kin is preferred); full name, contact details, address, and valid government ID
Collateral requirements:
Photocopy of the duplicate copy of the Transfer Certificate of Title (TCT) or Condominium Certificate of Title (CCT)
Photocopy of the updated Tax Clearance, Tax Declaration, and Tax Receipt
Photocopy of notarized Contract-to-Sell or Offer-to-Sell from the registered owner of the property (for private sellers)
Photocopy of notarized Contract-to-Sell or Letter of Endorsement or Official Computation Sheet from developers (in case of accredited developer tie-up properties)
Signed Authorization Letter for Tax Mapping and Inspection of Property (in case of secondary market properties)
Appraisal fee for unaccredited properties or projects
Non-refundable appraisal fee of ₱5,000 (includes title verification)
Photocopy of the latest Statement of Account with existing mortgagor (in case of refinancing)
Building Plan, Bill of Materials, Cost Estimates/Scope of Work (for construction loans)
Note: For the complete list of requirements, visit your preferred bank’s website or contact its customer service department.
What to Consider When Choosing the Best Housing Loan in the Philippines
Buying a house, condo unit, or any type of property can cost you more if you don’t take a closer look at your options. Before you decide which bank to get funds from, here are some things you need to consider.
1. Know Why You Need a Housing Loan
One of the most common mistakes people make when choosing a housing loan in the Philippines is not knowing what to use it for. This applies to both secured and unsecured loans as well.
When borrowers are not sure about the purpose of the loan, they might end up making a decision that breaks the bank. Before you look for the best housing loan in the Philippines, ask yourself why you need it in the first place.
Is it to purchase a house and lot in the province? Or is it to acquire a condominium unit in Metro Manila? Perhaps it’s to purchase a lot as an investment?
Knowing your purpose for taking out a housing loan will go a long way in helping you find the best bank for a housing loan in the Philippines that meets your needs.
2. Determine Your Budget
Now that you’ve identified the property you want to acquire, take a look at your finances. How much are you able to shell out as a down payment? Are you earning enough to pay for the monthly amortization?
On top of the monthly payment, housing loans also come with fees, such as transfer taxes, application fees, and appraisal fees. Make sure you save enough so you have a financial cushion for emergency situations. Also, keep an eye on housing loan rates―they fluctuate without prior notice.
3. Compare Your Options
Even if you already have a bank in mind, compare each housing loan option and see which offers the terms and rates best suited for you. We’ve gone ahead and summarized the terms, rates, and loan offerings for you.
Refer to this table on housing loan comparison in the Philippines. You can quickly check which banks offer the lowest housing loan interest rates in the Philippines.
Bank
Loan Term
Interest Rate
Loan Offering
RCBC
Up to 20 years
6.88% to 11%
Minimum loan amount: ₱300,000
UnionBank
Up to 20 years
6% to 11%
Minimum loan amount: ₱500,000
Up to 90% of the property’s appraised value
Security Bank
Up to 20 years
6.50% to 10.25%
Minimum loan amount: ₱1 million
Up to ₱10 million, or 80% of the property’s appraised value
AUB
Up to 20 years
6% to 7%
Minimum loan amount: ₱1 million
Up to 80% of the property’s appraised value
China Bank
Up to 15 years for condominium units
Up to 10 years for vacant lots
Up to 20 years for a house and lot
5.50% to 7.25%
Minimum loan amount: ₱500,000
HSBC
12 months up to 10 years, or up to client age of 65 upon loan maturity, whichever is earlier
4.99% to 6.29%
Minimum loan amount: ₱700,000
Up to 60% to 80% maximum of the appraised value or selling price of collateral or property, whichever is lower
Maybank Philippines
Up to 20 years
6.75% to 7.5%
Minimum loan amount: ₱500,000
PNB
Up to ten years for lot purchase, home improvement, or redesigning
Up to 20 years for purchase of house and lot, townhouse, condominium unit, and house construction
6.25%
Minimum loan amount:
₱500,000 for lot purchase within and outside Metro Manila
₱750,000 for purchase of house and lot, townhouse, or condominium within Metro Manila
₱500,000 for purchase of house and lot, townhouse, or condominium outside Metro Manila
Maximum loan amount:
Up to 70% of the appraised value of the property for lot
Up to 80% of the appraised value of the property for house and lot, townhouse, or condominium
Metrobank
Up to 25 years
7.75% to 8.75%, depending on the fixing
Minimum loan amount: ₱500,000
Maximum loan amount: Up to 80% of the property’s price
BPI
Up to 20 years
6.25% to 12.00%, depending on the fixing
Minimum loan amount: ₱400,000
Maximum loan amount: Up to 90% of the property’s price
4. Talk to Experts
Note that loan terms and rates vary depending on your qualifications and the documents you provide. It’s always best to talk to banking experts to know how you stand and what your best options are.
5. Consider Alternatives to Housing Loans
If your goal is to improve your existing property, you may choose to turn to other types of loans. In this case, a personal loan is fit for the job.
Final Thoughts
There are hundreds of banks out there, but not all of them offer the best housing loan in the Philippines. The process of finding the best bank for a home loan in the Philippines can feel like looking for a needle in a haystack. But it shouldn’t be a problem, especially now that you have a reference to guide you.
Jay is a marketing communications professional who specializes in short-form and long-form content. He has written ads for TV, radio, print, and digital. He has also produced corporate blogs, magazine features, white papers, product listings, reviews, and press releases for clients here and abroad. When he’s not writing, Jay plays the piano or takes pictures for his visual diary.
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