Thousands of Quezon City homeowners are overpaying on their home loans. Nook compares BDO, BPI, Metrobank, Security Bank and more to find you the lowest refinance rate — completely free.
QC HOMEOWNER SAVINGS ESTIMATE
No commitment. No credit check. Just your numbers.
Why this matters
Quezon City is the Philippines' most populous city and one of its most active property markets — from high-rise condos in Eastwood and Anonas, to mid-rise developments in Diliman and Katipunan, to house-and-lot communities in Fairview, Novaliches, and Commonwealth. With so many property types and price points, QC homeowners have taken out loans with nearly every major Philippine bank. But most of those loans were fixed at rates between 7.5% and 10% — and many are still paying those rates today, years after better options became available.
Refinancing your Quezon City home loan means replacing your existing loan with a new one at a lower interest rate. If your current rate is above 7%, there's a strong chance you can save thousands of pesos every month by switching. Nook works with all major banks — BDO, BPI, Metrobank, Security Bank, RCBC, EastWest, and more — and submits your application to multiple lenders simultaneously, so you get competing offers without the legwork. If you've been comparing rates across NCR, you may also want to look at the best home loan rates in Makati to understand how QC stacks up against other Metro Manila markets.
The process is 100% free for borrowers — Nook is compensated by the bank, not by you. Whether you bought your QC home five years ago or last year, it's worth checking if you qualify for a lower rate. Most applications take less than 15 minutes to start, and Nook's advisors guide you through every step, from document submission to loan release.
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 Quezon City properties, including BDO, BPI, Metrobank, Security Bank, RCBC, EastWest Bank, UnionBank, and Chinabank. Pag-IBIG (HDMF) also accepts refinancing applications for QC homes. Nook submits to multiple banks on your behalf so you can compare actual offers side by side.
Savings depend on your outstanding balance, remaining term, and current interest rate. A homeowner with a 3,000,000 balance at 8.5% who refinances to 5.99% could save over 4,000 pesos per month — more than 48,000 per year. Use Nook's free calculator to get a personalised estimate based on your actual loan details.
Generally, no — banks lend across all barangays in Quezon City, from Diliman and Cubao to Fairview and Novaliches. However, some lenders may have minimum appraisal value requirements, and properties in areas with title or zoning issues may require additional documentation. Nook will flag any potential concerns early in the process.
From application to loan release, the typical timeline is 4 to 8 weeks, depending on how quickly documents are submitted and how fast the bank's appraisal and credit approval process moves. Nook helps you prepare a complete document package upfront to avoid delays and keep the process on track.
Yes, completely free. Nook earns a referral fee from the bank when your loan is successfully released — you pay nothing for Nook's advisory and application management service. There are standard bank fees involved in any refinancing (like appraisal and documentary stamp tax), but Nook's service itself costs you nothing.
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