Thousands of homeowners in Bacoor, Imus, Dasmariñas and General Trias are paying more than they should on their home loans. Nook helps you compare the best rates from BDO, BPI and Security Bank — and refinance for free.
CAVITE HOMEOWNER SAVINGS ESTIMATE
No commitment. No credit check. Just your numbers.
Why this matters
Cavite has become one of the most active property markets in the Philippines, with master-planned communities in Bacoor, Imus, Dasmariñas and General Trias attracting thousands of homebuyers every year. Developers like Ayala Land, Vista Land, SMDC and Camella have transformed this once-sleepy province into a thriving residential corridor — and most buyers financed their homes through bank loans at rates that were locked in years ago. If you're among them, there's a very good chance your current interest rate is no longer competitive.
Most Cavite homeowners carrying home loans from BDO, BPI, Security Bank, Metrobank or PNB are still paying interest rates between 7.5% and 9.5% per annum. Today, the best refinance rates available through Nook start at just 5.99% p.a. On a 3,000,000 loan with 20 years remaining, that difference can mean saving nearly 4,000 pesos every single month — money that stays in your pocket instead of going to the bank. For context, homeowners refinancing BGC condos or properties in Makati follow the exact same process and can access the best home loan rates in Makati that Nook has negotiated with its panel of lenders.
Nook is the Philippines' first digital mortgage broker, and our service is completely free to you as the borrower. We earn a referral fee from the bank — never from you. Simply tell us about your property and current loan, and we'll show you which bank offers you the lowest rate today. There are no obligations, no upfront fees, and no complicated paperwork to get started. Whether you bought in an Imus subdivision five years ago or recently moved into a Dasmariñas townhouse, refinancing with Nook takes minutes to explore and could save you hundreds of thousands over the life of your loan.
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
All major Philippine banks lend on Cavite properties, including BDO, BPI, Security Bank, Metrobank, PNB, RCBC, UnionBank and EastWest Bank. Pag-IBIG (HDMF) is also widely used for affordable housing in Dasmariñas and Bacoor. Nook works with multiple banks on its panel so you can compare rates side by side without applying to each one individually.
Yes — refinancing a Cavite property works exactly the same as anywhere else in Metro Manila or nearby provinces. As long as your property has a clean title, you have a good payment track record, and your remaining loan balance is at least 1,000,000, you are generally eligible to refinance. Nook will assess your situation and match you with the bank most likely to approve you at the lowest rate.
Savings depend on your current interest rate, remaining balance and loan term, but most homeowners we work with are saving between 2,000 and 6,000 pesos per month after switching to a lower rate. On a 3,000,000 loan, moving from 8.5% to 5.99% saves roughly 3,967 pesos monthly and over 714,000 pesos across the remaining loan term. Use Nook's free calculator to get a personalised estimate based on your actual loan details.
Yes, Nook's mortgage brokering service costs you nothing. We are paid a referral or broker fee by the bank that wins your loan — a standard practice in the industry — so there is no charge to you at any point in the process. You may still need to pay standard government and bank fees such as registration costs and appraisal fees, which are the same whether you go directly to a bank or through Nook.
A typical refinance in the Philippines takes between 30 and 60 days from the time you submit your complete documents to the new bank. Nook helps you prepare your documents correctly from the start, which significantly reduces back-and-forth delays. Once approved, your new bank pays off your old loan and your lower monthly repayment begins on your next billing cycle.
Check your exact savings in 60 seconds. It's free and takes no commitment.
Check My Savings Now →