Homeowners at Columns Legazpi Village are overpaying on their condo loans every month. Refinancing to 5.99% p.a. could save you over 58,000 pesos a year — and Nook's service is completely free.
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Why this matters
Columns Legazpi Village sits at one of the most prestigious addresses in Makati — but prestige doesn't mean you have to keep paying a premium interest rate on your home loan. Many unit owners here originally financed through a bank at rates between 7.5% and 9%, and with repricing cycles pushing rates even higher in recent years, it's entirely possible you're paying significantly more than you need to. Refinancing through Nook gives you access to the lowest available rates in the market — currently as low as 5.99% p.a. — across multiple Philippine banks competing for your loan.
On a 5,000,000 peso loan balance with a 20-year remaining term, the difference between 8.50% and 5.99% isn't just noticeable — it's transformative. That gap translates to over 7,500 pesos back in your pocket every single month. Whether you're living in your Columns unit or holding it as an investment property, a lower monthly amortisation improves your cash flow immediately. If you also own or are considering a unit in BGC, it's worth checking out how Arya Residences owners are reducing their monthly payments through a similar refinancing approach.
Nook is the Philippines' first digital mortgage broker, and we handle the entire refinancing process on your behalf — comparing offers from BDO, BPI, Metrobank, Security Bank, RCBC, and more — at zero cost to you. We're paid by the bank, not the borrower, so there's no conflict of interest and no fees to worry about. You can also see how Avida Towers Asten owners in the same Makati corridor are cutting their interest rates with the same process. Getting started takes just a few minutes — and finding out how much you could save costs nothing at all.
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, Pag-IBIG loans are eligible for refinancing into a commercial bank loan if you qualify under the bank's criteria. Many borrowers find that switching to a bank loan at today's competitive rates — especially below 6% — results in significant savings, even after accounting for the transition. Nook will assess your specific situation and identify the best refinancing option available to you.
Nook's mortgage brokering service is 100% free to you as the borrower — we are compensated directly by the bank you ultimately choose. There are standard third-party costs involved in any refinancing (such as appraisal fees and documentary stamp tax), but Nook will walk you through all of these upfront so there are no surprises. You won't pay Nook a single peso.
For a condominium unit like those at Columns Legazpi Village, the refinancing process typically takes 45 to 90 days from application to loan release, depending on how quickly documents are submitted and how fast the chosen bank processes the appraisal. Nook manages the coordination with the bank on your behalf to keep things moving as efficiently as possible. We'll keep you updated every step of the way.
The core documents typically required include your latest Statement of Account from your current lender, a copy of your Condominium Certificate of Title (CCT) or a certified true copy, proof of income (payslips and ITR for employed borrowers, or audited financial statements for self-employed), and a valid government-issued ID. Nook will provide you with a complete checklist tailored to the bank you're applying with. Having these ready in advance helps speed up the process considerably.
It can absolutely still be worth it, depending on your remaining balance and how large the rate gap is. Even on a shorter remaining term, dropping from 8.5% to 5.99% on a balance of several million pesos can still yield hundreds of thousands in total interest savings. Nook will run an honest break-even analysis for your specific loan so you can make an informed decision — not just a sales pitch.
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