If you have a GoTyme Bank home loan, you may be paying more than you need to. Nook helps you compare refinancing options across multiple lenders to find a rate that works harder for your money.
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Why this matters
GoTyme Bank has built a reputation as one of the Philippines' most innovative digital banks, offering a seamless app-based experience for everyday banking. But when it comes to home loans, a slick digital interface doesn't always translate to the lowest interest rate. Many GoTyme home loan holders are still carrying rates between 7.50% and 9.00%, locked in during a period of higher market rates. Refinancing your mortgage — whether staying with GoTyme or transferring to another lender — could be one of the most impactful financial moves you make this year. You can check current mortgage interest rates in the Philippines to see how your existing rate stacks up against what's available today.
Nook is the Philippines' first digital mortgage broker, and our service is completely free to borrowers. We work with a wide network of banks — including BDO, BPI, Security Bank, RCBC, Metrobank, and more — to surface the most competitive refinancing rates for your specific loan profile. The best rate currently available through Nook is 5.99% p.a., which on a 3,000,000 peso loan with 20 years remaining could save you over 3,000 pesos every single month. That's real money back in your pocket, not just a percentage point on paper.
The refinancing process can feel daunting, especially if your current home loan experience has been mostly digital and self-serve. Nook's mortgage specialists handle the legwork — from comparing offers to coordinating with your new lender on documentation and transfer requirements. Whether you're considering moving to a bank with a longer fixed-rate period or simply want to reduce your monthly amortisation, Nook gives you a clear picture of your options with zero cost and zero obligation.
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 offers digital convenience, but it's always worth comparing its home loan rates against other established lenders before committing to a refinance. Nook can help you see whether GoTyme's current offering is competitive or whether transferring your loan to another bank could save you significantly more over the life of your mortgage.
Savings depend on your current interest rate, remaining loan balance, and how many years are left on your term. On a 3,000,000 peso loan at 8.50% with 20 years remaining, refinancing to 5.99% could save you over 37,000 pesos annually. Use Nook's free calculator to get a personalised estimate based on your actual loan details.
Not necessarily — refinancing simply means restructuring your home loan, and that can sometimes be done with your existing lender through a repricing request. However, transferring to a different bank often unlocks more competitive rates, especially if your current lender's pricing hasn't moved in line with market rates. Nook will show you all available options so you can make an informed choice.
Typical requirements include proof of income (payslips or ITR for self-employed borrowers), a copy of your existing loan statement, the Transfer Certificate of Title (TCT) or Condominium Certificate of Title (CCT), and a recent appraisal of the property. The exact checklist varies by receiving bank — for example, you can review the BPI housing loan requirements if BPI is on your shortlist. Nook will guide you through exactly what's needed for your chosen lender.
The refinancing process typically takes between 30 and 90 days from application to loan release, depending on the receiving bank's processing times and how quickly documents are submitted. Digital-first lenders can sometimes move faster, but traditional banks with competitive rates may take a little longer. Nook coordinates with lenders on your behalf to keep the process moving as efficiently as possible.
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