Thousands of Camella homeowners across the Philippines are paying 7% to 9% interest on their home loans — when they could be paying as low as 5.99% p.a. through Nook. It takes minutes to compare, and the service is completely free.
CAMELLA HOMEOWNER SAVINGS ESTIMATE
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Why this matters
Camella Homes is the Philippines' largest homebuilder, with communities spanning Luzon, Visayas, and Mindanao. Most Camella buyers finance their purchase through a bank home loan — commonly with BDO, BPI, Security Bank, or Pag-IBIG — at whatever rate they were offered at the time of purchase. The problem? That rate was likely set years ago, and the market has moved. Many Camella homeowners are still locked into rates between 7.5% and 9.5%, quietly overpaying by thousands of pesos every single month.
Refinancing a Camella property works just like refinancing any titled residential home. Once your property has a Transfer Certificate of Title (TCT) in your name and you've completed at least one year of repayments, you're generally eligible to refinance with a new lender offering a lower rate. Nook is the Philippines' first digital mortgage broker, and we work with all major Philippine banks to find you the most competitive rate available — right now as low as 5.99% p.a. You can check current mortgage interest rates in the Philippines to see how your existing rate stacks up before you apply.
The process through Nook is fully digital and 100% free for borrowers — we're paid by the bank, not by you. Whether your Camella home is in Cavite, Cagayan de Oro, Davao, or anywhere else in the country, our team handles the paperwork, coordinates with your new lender, and guides you through every step. If you're considering which banks to approach, it helps to review what each one requires — for example, see our guide to BPI housing loan requirements in the Philippines to understand what documents you'll need to prepare.
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 — as long as your Camella property has a Transfer Certificate of Title (TCT) issued in your name and you've been making repayments for at least 12 months, you're typically eligible to refinance. Nook works with all major Philippine banks and can help you find the lowest available rate for your specific loan balance and remaining term.
Most major Philippine banks accept Camella properties as collateral for home loans, including BDO, BPI, Security Bank, Metrobank, RCBC, PNB, and UnionBank. Pag-IBIG (HDMF) is also widely used by Camella buyers, particularly for affordable housing tiers. Nook compares offers across these lenders so you don't have to apply one by one.
Savings depend on your outstanding balance, remaining term, and your current interest rate. On a 3,000,000 peso loan at 8.50%, refinancing to 5.99% p.a. over a 20-year term can save you nearly 4,000 pesos per month — or over 700,000 pesos across the life of the loan. Use Nook's free calculator to get a personalised estimate based on your actual loan details.
Yes, completely free. Nook is a mortgage broker, which means the bank pays us a referral fee when your loan is approved — you pay nothing extra and your loan rate is exactly the same as if you went directly to the bank. There are no hidden charges, no application fees, and no obligation to proceed after your free consultation.
You'll typically need your Transfer Certificate of Title (TCT), the latest tax declaration, proof of income (payslips or ITR), valid government IDs, and your existing loan statement of account. The exact requirements vary by bank — Nook will give you a personalised checklist once you submit your details, so you know exactly what to prepare from the start.
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