GoTyme Bank borrowers are discovering they can save thousands every month by refinancing through Nook — the Philippines' first digital mortgage broker that shops the market for you, completely free.
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Why this matters
GoTyme Bank entered the Philippine market with a fresh take on digital banking, and many homeowners were drawn to their accessible, app-first approach. But if you took out a home loan a few years ago — or accepted the rate you were offered without shopping around — there's a strong chance you're paying more than you need to. With the best refinance rate currently available through Nook sitting at 5.99% p.a., the gap between what you're paying now and what you could be paying is significant. On a 3,000,000 loan, that difference can add up to hundreds of thousands of pesos over the life of your mortgage.
Refinancing doesn't mean leaving GoTyme Bank out of loyalty to a competitor. It means making your money work harder for you. Nook compares offers from across the Philippine banking landscape — from BDO and BPI to Security Bank and beyond — so you can see exactly where the best deal sits before committing to anything. You can check current mortgage interest rates in the Philippines to understand how your existing rate stacks up. The process is transparent, fully digital, and our service costs you nothing as the borrower.
Homeowners who refinance through Nook typically complete the process in a few weeks, not months. Our mortgage specialists handle the paperwork coordination, bank negotiations, and submission on your behalf. Whether your original loan came from GoTyme Bank or another lender, the steps are the same: submit your documents once, receive multiple offers, and choose the deal that saves you the most. If you're curious how other banks compare, our BPI housing loan requirements guide is a useful reference for what lenders typically look for during the refinancing process.
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 at almost any point in your loan term — in fact, the earlier you refinance to a lower rate, the more total interest you save. The key eligibility factors are your remaining loan balance, your property's current value, and your credit standing, not how much time is left on your mortgage.
A refinancing application does involve a credit check, which may cause a minor, temporary dip in your credit score. However, successfully refinancing to a lower rate and maintaining consistent payments typically has a positive effect on your credit profile over time. Nook will walk you through what to expect before any application is submitted.
Nook's service is 100% free for borrowers — we're compensated by the bank you ultimately choose, not by you. There may be standard third-party fees like appraisal costs and documentary stamp tax associated with any refinancing transaction, but Nook's advice, comparison, and processing support costs you nothing.
Most refinancing transactions through Nook are completed within four to eight weeks, depending on document readiness and the bank's processing timeline. Our specialists proactively follow up with lenders on your behalf to keep things moving. Having your documents organised at the start is the single biggest factor in speeding up the process.
You'll typically need valid government-issued ID, proof of income (payslips or ITR for the past two years), your latest loan statement from GoTyme Bank, and property documents including the Transfer Certificate of Title and tax declaration. Nook provides a personalised checklist once you begin so nothing gets missed.
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