Century City Mall Makati condo owners are paying 7.50% or more on their home loans — Nook can help you refinance to as low as 5.99% p.a. and keep thousands more every year.
CENTURY CITY CONDO SAVINGS ESTIMATE
No commitment. No credit check. Just your numbers.
Why this matters
Century City is one of Makati's most prestigious mixed-use addresses, home to high-rise residences like Gramercy Residences, Knightsbridge Residences, and Milano Residences — all sitting above or adjacent to the Century City Mall along Kalayaan Avenue. If you purchased a unit here in the last five to ten years, there's a strong chance your home loan is still locked in at a rate between 7.50% and 9.50%, especially if your bank's fixed-rate period has already repriced. On a ₱5,000,000 loan balance, that difference in rate can cost you over ₱53,000 every single year. Nook works with all major Philippine lenders — including BDO, BPI, Security Bank, and Metrobank — to find you the most competitive refinancing rate available today. You can check out the best home loan rates in Makati to see exactly what banks are currently offering in this area.
Refinancing a premium condo like those in Century City is often easier than homeowners expect. Because these properties carry strong valuations and high market liquidity in the Makati CBD, lenders typically view them as low-risk collateral — which means you may qualify for better rates and terms than you would for properties in less established locations. Nook handles the entire refinancing process on your behalf: from comparing lenders and preparing your documents, to coordinating with your current bank and the new lender until funds are transferred. Our service is completely free to borrowers — we are compensated by the bank, not by you.
If you own a condo in a similarly premium BGC development and are weighing your options, it's worth reading about how Two Serendra Red Oak owners in BGC are saving on their home loans — the refinancing dynamics are comparable. Whether your goal is to lower your monthly cash outflow, shorten your loan term, or simply get a fairer rate on one of your most valuable assets, Nook's mortgage specialists are ready to run a free savings analysis for your specific Century City unit.
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, but it's important to check if your current bank charges a pre-termination fee, which typically ranges from 1% to 3% of the outstanding loan balance. Nook's specialists will factor this into your savings calculation to make sure refinancing still makes financial sense. In many cases, even with a pre-termination penalty, switching to a lower rate more than covers the cost over the life of the loan.
BPI, Security Bank, and BDO are frequently competitive for premium Metro Manila condo refinancing, but rates vary based on your loan amount, remaining term, and credit profile. Nook compares live rates from all major Philippine banks so you don't have to approach each one individually. The best rate available through Nook today is 5.99% p.a.
The typical refinancing timeline is 30 to 60 days from document submission to loan release, depending on how quickly your current bank releases the loan documents and the new bank's processing speed. Nook manages the coordination between all parties to keep things moving as efficiently as possible. You'll have a dedicated mortgage specialist guiding you at every step.
You'll generally need a copy of your Condominium Certificate of Title (CCT), latest Statement of Account from your current lender, proof of income (payslips or ITR), and a government-issued ID. Nook will give you a complete and personalised checklist once you submit your initial details. Having these documents ready upfront can significantly speed up processing time.
Yes, completely free. Nook earns a referral fee from the bank that takes on your new loan — you pay nothing for the comparison, application assistance, or ongoing support. There are no hidden charges and no obligation to proceed after your free savings assessment.
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