If your CTBC Bank home loan is still on its original rate, you could be paying thousands more than necessary every month. Nook helps you refinance to as low as 5.99% p.a. — for free.
YOUR POTENTIAL SAVINGS
No commitment. No credit check. Just your numbers.
Why this matters
CTBC Bank Philippines offers home loans with competitive introductory rates, but like most Philippine banks, those rates reprice after a fixed period — typically every 1 to 3 years. When your loan reprices, it often resets to a higher rate based on prevailing market conditions, and many homeowners simply accept the new rate without realising they have options. If your CTBC home loan has already repriced once or twice, there's a strong chance you're now paying a rate significantly above what's available in the market today. You can check current mortgage interest rates in the Philippines to see how your rate stacks up.
Refinancing means replacing your existing CTBC loan with a new one from a different lender offering a lower rate and better terms. Through Nook, the Philippines' first digital mortgage broker, you can compare offers from multiple banks in one place without paying a single centavo in broker fees. Our team handles the paperwork, coordinates with lenders on your behalf, and guides you through every step of the process. There's no obligation to proceed until you've seen your actual offers and decided they make sense for you.
A refinance to 5.99% p.a. on a 3,000,000 loan with 20 years remaining could save you over 4,500 pesos every single month — that's real money back in your pocket for your family's priorities. The best time to explore refinancing is before your next repricing date, so you're not locked in at a higher rate for another fixed period. If you're unsure whether refinancing is right for your situation, our advisors can walk you through the numbers with no pressure and no cost to you.
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, you can refinance an active CTBC home loan to another bank at almost any time. The main consideration is whether your current loan has a lock-in period — if it does, early repayment penalties may apply, and Nook will factor these into your savings calculation so you can make an informed decision.
Nook works with a panel of Philippine banks and lenders, so when you apply through us, your profile is assessed against multiple institutions simultaneously. This means you get competing offers in one place rather than having to approach each bank separately, saving you time and giving you genuine leverage to choose the best deal.
You'll typically need your latest Statement of Account from CTBC, proof of income (payslips or ITR for the past two years), a copy of your Transfer Certificate of Title, and valid government-issued IDs. Nook provides a complete document checklist once you start your application, and our team helps you prepare everything correctly the first time.
The typical refinancing timeline in the Philippines is 30 to 60 days from submission of complete documents to loan release. Nook helps speed this up by making sure your application is complete and accurate before it reaches the bank, reducing the risk of delays caused by missing or incorrect paperwork.
It depends on how much of your loan balance remains and how large the rate difference is. If your outstanding balance is still substantial — say, 2,000,000 or more — even a few years of savings can outweigh the costs of switching. Nook will calculate your break-even point so you know exactly whether refinancing makes financial sense for your remaining term.
Check your exact savings in 60 seconds. It's free and takes no commitment.
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