Calculate your potential savings across 14+ Philippine banks and find the lowest rates available today.
POTENTIAL MONTHLY SAVINGS
No commitment. No credit check. Just your numbers.
Why this matters
Finding the best home loan interest rate in the Philippines shouldn't require visiting multiple banks or spending weeks comparing options. Our comprehensive rate calculator lets you instantly compare rates from BDO, BPI, Metrobank, Security Bank, and other major Philippine lenders to see exactly how much you could save by refinancing.
Most Filipino homeowners are currently paying between 7% to 10% on their home loans, but current market rates can be significantly lower. With rates starting as low as 5.99% through Nook, a typical borrower with a 3 million peso loan could save over 60,000 pesos annually. Use our calculator to input your specific loan details and get personalized savings projections.
Whether you're considering fixed or variable rates, our tool shows you real-time comparisons across all major Philippine banks, making it easy to identify the best refinancing opportunity for your situation.
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
Our calculator uses current market rates from major Philippine banks and standard amortization formulas. Rates are updated regularly, but final rates depend on your credit profile and loan-to-value ratio.
Rates vary by bank and borrower profile, but currently competitive lenders include BPI, BDO, Security Bank, and UnionBank. Through Nook's network, qualified borrowers can access rates as low as 5.99%.
Yes, our calculator works for all types of home loans including Pag-IBIG, bank financing, and in-house developer financing. Simply input your current rate and loan details for accurate comparisons.
Savings depend on the rate difference and remaining loan term. Most borrowers save 20,000 to 100,000 pesos annually, with lifetime savings often exceeding 500,000 pesos for larger loans.
Factor in processing fees, appraisal costs, legal fees, and mortgage redemption insurance. However, these upfront costs are typically recovered within 12-24 months through monthly payment savings.
Check your exact savings in 60 seconds. It's free and takes no commitment.
Check My Savings Now →