If you have a GoTyme Bank home loan — or you're considering refinancing to GoTyme — compare their rates against the best refinance rate of 5.99% p.a. available through Nook and find out how much you could save every month.
YOUR POTENTIAL MONTHLY SAVINGS
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Why this matters
GoTyme Bank has positioned itself as one of the Philippines' most talked-about digital banks, offering a seamless app-based banking experience. Their home loan products appeal to tech-savvy borrowers who prefer managing finances on their phones. However, being digital-first doesn't automatically mean you're getting the sharpest rate on the market. Many GoTyme home loan holders are still paying rates in the 8% to 9% range — and with the current mortgage interest rates in the Philippines having shifted significantly, there's a real opportunity to lower your monthly repayment by switching lenders.
Refinancing works by replacing your existing home loan with a new one at a lower interest rate, ideally with better terms. Through Nook, the Philippines' first digital mortgage broker, you can compare offers from over a dozen accredited banks and lenders — completely free of charge to you as the borrower. On a 3,000,000 peso loan with 20 years remaining, moving from 8.50% down to 5.99% p.a. can reduce your monthly payment by over 4,500 pesos. That's real money back in your pocket every single month, adding up to hundreds of thousands of pesos over the life of your loan.
Whether you're currently with GoTyme Bank or another lender, the refinancing process through Nook is straightforward and fully guided. Our advisors handle the paperwork, bank negotiations, and application follow-ups on your behalf — you just need to share your loan details and we'll do the heavy lifting. There are no broker fees, no hidden charges, and no obligation to proceed unless you're happy with the offer you receive.
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 Bank home loan to any accredited bank or lender in the Philippines. Refinancing simply means paying off your existing GoTyme loan with a new loan from a lender offering a lower rate. Nook can help you compare options and identify the best deal available based on your loan balance and remaining term.
The key factor is the difference between your current interest rate and the best available refinance rate. If your GoTyme rate is 8% or higher and you still have 10 or more years remaining on your loan, refinancing to 5.99% p.a. will almost certainly generate significant savings. Use Nook's free savings calculator to get a personalised estimate based on your actual loan details.
Typical requirements include your latest Statement of Account from GoTyme Bank, a copy of the Transfer Certificate of Title (TCT) for your property, proof of income (payslips or ITR), and valid government-issued IDs. Your Nook advisor will give you a complete and bank-specific checklist once you start your application. If you're also considering BPI as your new lender, you can review the BPI housing loan requirements in advance.
The refinancing timeline typically ranges from 30 to 60 days from application to loan release, depending on how quickly documents are submitted and the processing speed of your chosen new lender. Nook manages the coordination between all parties to help keep things moving. Delays are usually caused by incomplete documentation, so having everything ready upfront makes a big difference.
Yes, Nook's service is 100% free for borrowers — there are absolutely no broker fees or consultation charges. Nook earns a referral fee from the bank you ultimately refinance with, similar to how real estate agents operate. This means you get full advisory support, document management, and bank comparison without paying a single peso out of pocket.
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