If you bought at Columns Legazpi Village and haven't reviewed your home loan recently, you could be leaving tens of thousands of pesos on the table every single year.
COLUMNS LEGAZPI VILLAGE SAVINGS ESTIMATE
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Why this matters
Columns Legazpi Village is one of Makati's most sought-after residential addresses — a prestigious, well-managed development in the heart of the CBD that commands strong property values and attracts discerning homeowners. But prestige doesn't protect you from an outdated home loan. Many Columns residents took out their mortgages when rates were significantly higher, locking them into monthly payments that no longer reflect what the market can offer. If your current rate is sitting anywhere between 7.5% and 9.5%, refinancing through Nook could unlock a materially lower rate — with the best available currently at 5.99% p.a. — and free up real cash every month. You can explore how this works for similar Makati-area properties in our guide on how much Columns Legazpi Village owners can save by refinancing.
Nook is the Philippines' first digital mortgage broker, and our service is completely free for borrowers. We work with leading Philippine banks — including BDO, BPI, Metrobank, Security Bank, RCBC, and more — to find you the most competitive refinance offer for your specific situation. For a Columns unit with a remaining loan balance in the ₱4,000,000 to ₱7,000,000 range, the monthly savings can be substantial. The process is straightforward: you share your loan details, we shop the market on your behalf, and you choose the best offer. No hidden fees, no obligation. If you're also curious about refinancing options across other premium BGC and Makati developments, see how owners at Arya Residences BGC are lowering their monthly payments through a similar process.
The Legazpi Village location also works in your favour when refinancing. Banks view well-located Makati properties as lower-risk collateral, which can strengthen your application and improve the rates available to you. Combined with Nook's ability to negotiate across multiple lenders simultaneously, Columns homeowners are often pleasantly surprised by what's achievable. The only way to know your exact savings is to check — and it takes less than five minutes to get started.
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, absolutely. Refinancing almost always means moving your loan to a new lender who offers better terms — your original bank does not need to be involved. Nook works with over a dozen Philippine banks and can help you switch seamlessly, handling the paperwork and coordination so you don't have to deal with multiple institutions yourself.
Most banks require that the outstanding loan balance does not exceed 70% to 80% of the property's current appraised value, known as the loan-to-value or LTV ratio. Given that Columns Legazpi Village units have appreciated steadily, many owners find they now have sufficient equity to qualify comfortably. Nook will assess your situation upfront so there are no surprises.
You'll typically need a copy of your current loan statement, your latest ITR or proof of income, a copy of your Transfer Certificate of Title (TCT) or Condominium Certificate of Title (CCT), and a valid government-issued ID. Nook will give you a complete checklist based on your specific circumstances and the lender you're applying with, making the process as straightforward as possible.
From application to loan release, refinancing typically takes between 30 and 60 days, depending on the bank and how quickly documents are submitted. Nook helps keep things moving by following up with lenders on your behalf and flagging any missing requirements early. Starting sooner means you stop overpaying sooner.
Nook's mortgage brokering service is 100% free for borrowers — there are no broker fees, no consultation charges, and no obligation to proceed after receiving your offers. Nook is compensated by the banks when a loan is successfully placed, which means your interests and Nook's interests are fully aligned: finding you the best rate possible.
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