GoTyme Bank and Maya Bank are shaking up Philippine finance — but when it comes to home loans, neither may beat the rates available through Nook's broker network. See how a 5.99% refinance rate stacks up against what you're paying now.
YOUR POTENTIAL MONTHLY SAVINGS
No commitment. No credit check. Just your numbers.
Why this matters
GoTyme Bank and Maya Bank have both generated serious buzz in the Philippine digital banking space, and for good reason — they've brought slick apps, fast onboarding, and competitive deposit rates to millions of Filipinos. But when it comes to home loan refinancing, the picture gets more complicated. Neither digital bank has established itself as a dominant force in the mortgage market the way traditional lenders like BDO, BPI, or Security Bank have. If you're a homeowner researching your refinancing options, it pays to look beyond the fintech headlines and focus on the actual rates and terms on the table. You can check current mortgage interest rates in the Philippines to get a clear benchmark before you decide.
The real advantage of working with a digital mortgage broker like Nook isn't loyalty to any single bank — it's access to competing offers from across the market simultaneously. Where a GoTyme or Maya home loan application locks you into one institution's rate card, Nook submits your profile to multiple lenders and surfaces the most competitive offer available. Right now, that means rates as low as 5.99% p.a. On a 3,000,000 peso loan with a 20-year term, the difference between an 8.50% rate and a 5.99% rate is over 3,000 pesos every single month — money that stays in your pocket instead of going to the bank. Over the life of your remaining loan, that compounds into genuinely life-changing savings.
Whether you originally took out your home loan with a traditional bank, a cooperative, or even Pag-IBIG, refinancing is worth exploring if your rate is above 6.5%. The application process through Nook is entirely free — brokers are compensated by the lending bank, not the borrower — and the comparison is done for you. If you're weighing a move to a digital bank for your next home loan, make sure you're comparing apples to apples: fixed-rate periods, repricing schedules, and total cost of ownership all matter as much as the headline rate. Understanding what banks require for a housing loan can also help you prepare a stronger application regardless of which lender you ultimately choose.
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
As of 2025, GoTyme Bank's core lending products are focused on personal and business loans rather than long-term mortgage products. Home loan availability from GoTyme is limited and not widely accessible to the general public at this time. If you're specifically looking for competitive mortgage refinancing, a broker like Nook gives you access to a broader set of lenders with established home loan programs.
Maya Bank has expanded its lending products significantly, but its home loan and mortgage refinancing offerings remain nascent compared to traditional Philippine banks. Their focus has largely been on consumer credit, buy-now-pay-later, and SME lending. For mortgage refinancing specifically, you'll typically find better rates and more flexible terms through established banks accessed via a broker.
A mortgage broker like Nook compares offers from multiple banks simultaneously, so you're not limited to one institution's rate. Brokers are paid by the bank that wins your business, meaning the service is completely free to you as the borrower. This gives you the negotiating power of multiple competing offers without the hassle of filing separate applications yourself.
Through Nook's lender network, the lowest available refinance rate is currently 5.99% per annum. This is a fixed rate for an initial period, after which the loan reprices based on market conditions. Locking in a rate close to 5.99% today can save hundreds of thousands of pesos over the remaining term of a typical home loan.
The refinancing process typically takes four to eight weeks from application to loan release, depending on the bank and the completeness of your documents. Nook guides you through each step and liaises with the lender on your behalf to keep things moving. Most homeowners find the process significantly smoother than applying directly, since a dedicated broker is managing the coordination.
Check your exact savings in 60 seconds. It's free and takes no commitment.
Check My Savings Now →