If you have a GoTyme Bank home loan, you could be overpaying by thousands 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
GoTyme Bank has made waves in the Philippine financial scene as a digital-first bank, but having an innovative app doesn't always mean you're getting the most competitive home loan rate. Many GoTyme home loan holders are locked into rates between 7.5% and 9% — rates that made sense when they signed up, but may no longer reflect what's available in the market today. Refinancing gives you the opportunity to reset your rate and redirect those savings toward things that matter more than interest payments. You can check today's mortgage interest rates in the Philippines to see exactly how your current rate stacks up.
Through Nook, the Philippines' first digital mortgage broker, refinancing your GoTyme home loan is straightforward and completely free. We access rates from a wide network of Philippine banks — including BDO, BPI, Security Bank, RCBC, Metrobank, and more — and match you with the lender offering the best deal for your specific situation. Our team handles the paperwork, the bank coordination, and the back-and-forth so you don't have to. There are no broker fees, no hidden charges — Nook is paid by the banks, not by you.
The process typically takes 4 to 8 weeks from application to approval, and the long-term impact can be significant. On a 3,000,000 peso loan with 20 years remaining, switching from 8.5% to 5.99% could save you over 550,000 pesos across the life of your loan. Whether your goal is to lower your monthly cash outflow or pay off your property faster, refinancing through Nook is one of the highest-impact financial moves a Filipino homeowner can make right now.
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
It depends on your specific loan contract. Many banks, including GoTyme, include an early repayment penalty if you refinance within the lock-in period — typically 1 to 2 years from loan release. Nook can help you review your terms and calculate whether the long-term savings still outweigh the early exit fee.
Through Nook, you can refinance to a wide range of banks including BDO, BPI, Security Bank, Metrobank, RCBC, PNB, Chinabank, EastWest Bank, and more. We compare offers across multiple lenders to find you the lowest available rate for your loan amount and tenure.
Nook's service is completely free for borrowers. We are compensated by the bank you ultimately refinance with, so there is no broker fee charged to you at any point in the process. Standard third-party costs like appraisal fees and notarial charges may still apply.
You'll typically need your latest Statement of Account from GoTyme, a copy of your Transfer Certificate of Title (TCT), proof of income, valid government IDs, and your latest ITR or BIR Form 2316. Nook provides a complete checklist once you submit your initial inquiry, and our team guides you through every step. If you're also comparing banks, our BPI housing loan requirements guide gives a useful benchmark for what lenders generally look for.
The end-to-end refinancing process typically takes between 4 and 8 weeks, depending on how quickly documents are submitted and how fast the receiving bank processes your application. Nook actively follows up on your behalf to keep things moving and reduce delays on your end.
Check your exact savings in 60 seconds. It's free and takes no commitment.
Check My Savings Now →