If your GoTyme Bank home loan rate is above 6%, you could be paying thousands more than necessary every month. Nook helps you compare refinancing options and switch to a better rate — completely free.
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Why this matters
GoTyme Bank has made waves in the Philippine financial space as a digital-first bank backed by the Gokongwei Group and Tyme Group. While GoTyme offers a range of consumer banking products, many Filipino homeowners are now asking whether their existing mortgage — whether held with GoTyme or another bank — can be refinanced to take advantage of lower rates now available in the market. With current mortgage interest rates in the Philippines as low as 5.99% p.a. through Nook's lender panel, refinancing could unlock significant monthly savings on a ₱3,000,000 home loan.
The appeal of digital banking lies in its convenience, but convenience alone shouldn't cost you money. If your current home loan rate sits anywhere between 7% and 10%, you are likely overpaying by tens of thousands of pesos each year. Nook's free refinancing service lets you compare multiple bank offers side by side — including options from BDO, BPI, Security Bank, RCBC, and others — so you can make an informed decision without the paperwork headache. Think of it as bringing the digital-first philosophy to your mortgage: fast, transparent, and working in your favour.
Getting started takes just a few minutes. Nook's mortgage specialists handle the bank comparisons, document coordination, and application process on your behalf, at zero cost to you. Whether you are currently with GoTyme Bank or any other lender, if your rate is higher than what the market offers today, it is worth finding out exactly how much you could save before your next repricing date.
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 — if you currently have a home loan with GoTyme Bank, Nook can help you explore refinancing options with other lenders on our panel who may offer lower rates. The process involves transferring your mortgage to a new bank, which pays out your existing GoTyme loan balance. Nook handles the comparison and coordination entirely free of charge to you.
Through Nook, the lowest available refinance rate is currently 5.99% p.a., subject to the lender's credit assessment and loan-to-value requirements. The rate you qualify for will depend on your remaining loan balance, property value, and financial profile. Nook will present you with real offers from multiple banks so you can choose the best fit.
On a ₱3,000,000 loan with a remaining 20-year term, moving from 8.50% to 5.99% p.a. could reduce your monthly payment by over ₱3,000 — that is more than ₱36,000 per year. Over the life of the loan, total interest savings can exceed ₱550,000. Your actual savings will depend on your specific loan balance, remaining term, and the rate you qualify for.
Nook's service is 100% free for borrowers. Nook is compensated by the banks on its panel, not by you, so there is no broker fee, consultation charge, or hidden cost involved. You simply get expert guidance and bank comparisons at no expense to yourself.
Standard documents for refinancing typically include your valid government-issued ID, proof of income such as payslips or ITR, your existing loan statement or amortisation schedule, and the Transfer Certificate of Title for your property. Requirements can vary slightly between lenders, but Nook's specialists will give you a precise checklist once they review your situation. You can also check guides like the BPI housing loan requirements page for a sense of what most Philippine banks ask for.
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