Thinking about switching to GoTyme Bank for your home loan? Before you move, make sure you're getting the lowest rate possible — Nook compares GoTyme and every major Philippine lender so you never leave savings on the table.
YOUR POTENTIAL MONTHLY SAVINGS
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Why this matters
GoTyme Bank has made waves in the Philippine digital banking scene with its seamless app experience and competitive product offerings. If you currently have a home loan with a traditional bank and you're paying a rate anywhere between 7% and 10%, there's a real chance you're overpaying every single month. Refinancing — whether to GoTyme or another lender offering better terms — is one of the most effective financial moves a Filipino homeowner can make. Check today's mortgage interest rates in the Philippines to see exactly where your current rate stands against the market.
Nook is the Philippines' first digital mortgage broker, and our service is completely free to borrowers. We do the heavy lifting: gathering offers from GoTyme Bank, BDO, BPI, Security Bank, and more, then presenting you with a clear side-by-side comparison. On a 3,000,000 peso home loan with 20 years remaining, moving from an 8.50% rate down to Nook's best available rate of 5.99% could save you over 3,000 pesos every month. That's more than 550,000 pesos over the life of your loan — money that stays in your pocket instead of your bank's.
The refinancing process can feel daunting, especially if your last home loan application involved stacks of paperwork and branch visits. Nook makes it entirely online and typically takes just a few minutes to get started. Whether GoTyme Bank turns out to be your best option or another lender wins on rate and terms, you'll know you made a fully informed decision. The best refinance deal is the one that fits your financial situation — and Nook exists to find it for 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
GoTyme Bank is an emerging digital bank in the Philippines with growing financial products, but home loan refinancing options can vary by availability and eligibility. Rather than limiting yourself to one lender, using Nook lets you compare GoTyme alongside established mortgage providers so you can see who is actually offering the best rate for your specific loan amount and profile.
On a 3,000,000 peso loan with 20 years remaining, moving from 8.50% to 5.99% saves approximately 3,069 pesos per month — that's over 36,000 pesos a year. Your actual savings will depend on your current rate, remaining balance, and the term you choose, which is exactly why Nook calculates a personalised estimate for you before you commit to anything.
Yes, Nook's service is 100% free to you as the borrower — there are no broker fees, no consultation charges, and no hidden costs at any stage of the process. Nook is compensated by the lender when a loan is successfully settled, which means your interests and Nook's are fully aligned: the goal is always to get you the lowest possible rate.
Most Philippine lenders require government-issued ID, proof of income (payslips or ITR for self-employed borrowers), a copy of your existing loan statement, and property documents including the Transfer Certificate of Title (TCT) and tax declaration. Requirements can differ slightly between banks, so it helps to have these ready before you apply — Nook will guide you through exactly what each lender needs once you start your application.
From application to loan release, refinancing in the Philippines typically takes between four and eight weeks depending on the lender, completeness of documents, and property appraisal scheduling. Nook streamlines the front-end process significantly by handling lender communications and document coordination on your behalf, which helps avoid the delays that often come with managing multiple bank applications on your own.
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