Owners of Ayala Land Premier condos are often paying rates well above today's best offers — Nook can connect you with lenders offering as low as 5.99% p.a., completely free of charge.
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Why this matters
Ayala Land Premier properties — from Park Terraces in Makati to One Serendra in BGC — represent the top tier of Philippine residential real estate. But prestige of address doesn't always translate to prestige of mortgage terms. Many ALP owners who financed their units at launch or through in-house developer financing are now locked into rates of 8% to 10%, paying far more each month than today's competitive market requires. Refinancing through Nook means your high-value asset works harder for you, not for your original lender. If you're also exploring options across the BGC corridor, you may find useful context in our guide to best home loan rates in Makati or our dedicated page on Two Serendra Red Oak BGC refinancing.
Luxury condo loans in the ₱5,000,000 to ₱15,000,000 range are actually among the most attractive to Philippine banks — they represent large, stable loan books secured against premium collateral in established developments. That means lenders compete for your business, and Nook's role is to make sure you benefit from that competition. Our broker network spans BDO, BPI, Security Bank, Metrobank, RCBC, and more, so we compare real offers simultaneously rather than sending you bank to bank on your own.
The process is straightforward: submit your details once, receive multiple term sheets, and choose the offer that best fits your remaining loan balance and financial goals. There are no broker fees, no hidden charges, and no obligation to proceed. Whether your unit is in Makati CBD, BGC, Alabang, or Cebu, Nook handles the legwork so you can focus on what matters — keeping more of your income each month.
How it works
Enter your loan details into our calculator. Instantly see what banks are offering right now and how much you'd save each month. No personal information required.
If the numbers make sense, book a free call. Your consultant compares offers from 15+ banks — something that would take you weeks to do on your own — and recommends the best option for your situation.
We manage the entire application, documentation, and bank coordination. You sign where we tell you. Your new lower payment starts next month. Nook's service is completely free — we're paid by the receiving bank.
Common questions
Yes — in-house developer financing from Ayala Land is one of the most common reasons ALP owners refinance, as those rates are typically higher than bank rates and come with shorter re-pricing windows. Once your property title is transferred and the mortgage is registered, you are generally eligible to refinance with a bank through Nook. We'll assess your specific situation upfront so there are no surprises.
Most Philippine banks will refinance loans from ₱1,000,000 up to ₱15,000,000 or more for premium properties with strong collateral valuations. Ayala Land Premier units in Makati and BGC typically appraise well, which works in your favour when negotiating loan-to-value ratios. Nook will help you understand the likely appraisal range for your specific unit before you commit to anything.
On a ₱6,000,000 loan at 8.50%, a borrower is paying roughly ₱52,393 per month over 20 years — at 5.99% that drops to approximately ₱43,248, a saving of over ₱9,000 per month and more than ₱1.6 million over the life of the loan. Your exact savings will depend on your outstanding balance, remaining term, and the rate you qualify for, but Nook provides a personalised calculation before you proceed.
BPI, Security Bank, and BDO are consistently competitive for premium condo refinancing, and RCBC and Metrobank also offer strong terms for loans above ₱3,000,000. The best rate for you will depend on your credit profile, income documentation, and the specific property — which is exactly why comparing multiple lenders through Nook is more effective than approaching one bank directly.
Refinancing simply replaces your existing mortgage lender — your ownership, your title, and your relationship with Ayala Land as developer are entirely unaffected. The new bank takes over as the mortgagee on your Condominium Certificate of Title, and the process is handled by a licensed notary and the Registry of Deeds. Nook coordinates the documentation requirements so the transition is as smooth as possible.
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