BGC homeowners are overpaying on their condo loans every single month. Switch to 5.99% p.a. through Nook and keep more of what you earn — completely free to apply.
BGC CONDO OWNER SAVINGS ESTIMATE
No commitment. No credit check. Just your numbers.
Why this matters
Bonifacio Global City is one of the Philippines' most prestigious addresses — and condo values here reflect that. But if you took out your home loan three or more years ago, there's a strong chance your interest rate no longer reflects today's market. Many BGC condo owners are still locked into rates of 8% to 10%, paying tens of thousands of pesos more each month than they need to. Refinancing through Nook lets you access the most competitive rates available across the country's leading banks, all without leaving your home.
BGC properties — whether in high-rises along 5th Avenue, the Burgos Circle strip, or established developments like Two Serendra Red Oak or Alveo High Park — are among the most financeable assets in the Philippine market. Their strong valuations and consistent rental yields make them attractive to banks, which means you're in an excellent position to negotiate a lower rate. Nook works with BDO, BPI, Security Bank, Metrobank, RCBC, and more — comparing real offers on your behalf so you don't have to do the legwork yourself.
The process is 100% free for borrowers. Nook is paid by the bank when your loan is successfully refinanced, not by you. All you need to do is submit your documents once, and Nook handles the rest — from bank comparison to application coordination to approval follow-up. BGC condo owners with outstanding loan balances of ₱3,000,000 and above typically see the most significant savings, often amounting to over ₱1,000,000 across the remaining life of their loan.
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, most banks will refinance a condo that is being rented out, as BGC properties have strong rental demand and proven market value. Some banks may categorise it as an investment property which can affect the applicable rate, but Nook will identify which lenders offer the best terms for your specific situation. Rental income can also sometimes be factored into your eligibility assessment.
Savings depend on your outstanding balance, remaining loan term, and your current interest rate. For a ₱6,000,000 loan at 8.50% refinanced to 5.99% over 20 years, you could save over ₱6,000 per month and more than ₱1,100,000 in total interest. Use Nook's free calculator to get a personalised estimate based on your actual figures.
BPI, Security Bank, and BDO are among the most active lenders in the BGC condo refinancing space, and each offers competitive fixed-rate periods. Rather than applying to each bank separately, Nook submits your profile to multiple lenders simultaneously and presents you with the best offers. The lowest rate currently available through Nook is 5.99% p.a.
Most banks require a minimum outstanding loan balance of around ₱1,500,000 to qualify for refinancing, and BGC condos typically exceed this threshold comfortably. The higher your outstanding balance, the greater your potential savings, which is why BGC unit owners are particularly well-positioned. Nook can assess your eligibility in minutes at no cost to you.
BGC properties generally command strong appraisal values, which can work in your favour during the refinancing process as banks are more confident in the collateral. This is similar to refinancing in other premium areas — if you're also comparing options in the CBD, you may want to review current home loan rates in Makati for context. Nook helps you understand how your BGC property stacks up and finds the right bank match for your profile.
Check your exact savings in 60 seconds. It's free and takes no commitment.
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