GoTyme Bank borrowers are discovering that refinancing to 5.99% p.a. through Nook can unlock serious monthly savings — with a fully digital process that fits your lifestyle.
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Why this matters
GoTyme Bank has built a reputation for innovation in Philippine digital banking, and many Filipinos took out home loans during a period of rising interest rates — meaning your current rate may be significantly higher than what's available in the market today. If you're sitting on a GoTyme home loan at 8.50% or above, refinancing through Nook could reduce your monthly amortisation by thousands of pesos. Nook shops across 14 Philippine banks simultaneously to find you the sharpest available rate, currently as low as 5.99% p.a. — and the entire service is completely free to you as the borrower.
The refinancing process can feel intimidating, but Nook's digital-first platform was built to simplify every step. From your initial savings estimate to document submission and lender comparison, you can manage everything online without visiting a bank branch. For context on how GoTyme's rates compare to the broader market, it's worth checking current mortgage interest rates in the Philippines to see exactly where you stand. Most Nook clients complete their refinancing within 30 to 45 days.
Switching lenders doesn't mean starting from scratch. Nook's team of mortgage specialists handles the coordination between your outgoing lender and your new bank, so the transition is as smooth as possible. Whether your goal is to lower your monthly payment, shorten your loan term, or free up cash flow for other financial priorities, refinancing is one of the most powerful tools available to Filipino homeowners today — and with Nook, there's no cost to explore your options.
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 your GoTyme home loan to any participating bank in Nook's network. Refinancing to a new lender is a standard process in the Philippines, and Nook manages the coordination between GoTyme and your new bank on your behalf. There are no restrictions that lock you into GoTyme indefinitely, as long as your loan is beyond any applicable lock-in period.
A lock-in period is a set number of years — typically one to three — during which you cannot refinance or fully pay off your loan without incurring a penalty fee. You should check your GoTyme loan agreement or contact GoTyme directly to confirm your specific lock-in terms. If you're within the lock-in period, Nook can still help you plan your refinancing so you're ready to move the moment the period ends.
On a 3,000,000 peso loan at 8.50%, refinancing to 5.99% p.a. over a 20-year term could save you approximately 3,069 pesos every month, or over 552,000 pesos across the life of the loan. Your actual savings will depend on your outstanding balance, remaining term, and the rate you qualify for. Use Nook's free calculator to get a personalised estimate based on your current loan details.
Yes, Nook's service is 100% free to you as the borrower — Nook is compensated by the bank you choose, not by you. There are standard third-party costs involved in any refinancing, such as appraisal fees, notarial fees, and registration charges, but you will never pay Nook a brokerage or service fee. This makes it genuinely risk-free to find out how much you could save.
Nook works with a wide network of Philippine banks including BDO, BPI, Metrobank, Security Bank, RCBC, UnionBank, Chinabank, PNB, EastWest Bank, and more. Each bank has different eligibility criteria, documentary requirements, and rate structures, which is exactly why having Nook compare them all on your behalf is so valuable. If you're curious about what specific lenders require, you can explore guides like the BPI housing loan requirements to get a sense of what the application process looks like.
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