Homeowners in Quezon City are saving thousands every year by switching to a lower rate. Nook compares BDO, BPI, RCBC, Metrobank and more — for free — so you get the best deal on your home loan.
QC HOMEOWNER SAVINGS ESTIMATE
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Why this matters
Quezon City is one of the most active property markets in Metro Manila, with everything from landed houses in Diliman and Quezon Hill to mid-rise condos in Cubao, Timog, and Eastwood. Whether you bought through a developer like Ayala Land, Rockwell, or DMCI, or took out a straight bank loan, chances are your current interest rate is higher than what's available today. Most QC homeowners we speak to are still on rates of 8% to 10% — set during their original purchase years ago — when the market now offers rates starting at 5.99% p.a. through Nook.
Refinancing your Quezon City home loan simply means replacing your existing loan with a new one at a lower interest rate. You keep your home, you keep your equity — you just pay less every month. The process is similar whether your property is in Project 2, Fairview, Commonwealth, or a condo along Tomas Morato. Nook works with all major Philippine banks including BDO, BPI, Security Bank, RCBC, Metrobank, and PNB, and our specialists handle the paperwork and bank negotiations on your behalf. If you've been comparing options across Metro Manila, you may also find it useful to see how home loan rates in Makati compare to what's available in QC right now.
The best part? Nook's service is completely free for borrowers. We're paid by the banks, not by you. All you need to get started is your latest Statement of Account and a few basic property details. Our team will run the numbers, tell you exactly how much you could save, and guide you through every step of the refinancing process — from application to release of funds. For most QC homeowners with a loan balance of ₱2 million or more, the monthly savings alone make refinancing one of the smartest financial decisions they can make this year.
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 QC properties, including BDO, BPI, Metrobank, Security Bank, RCBC, PNB, UnionBank, Chinabank, and EastWest Bank. Pag-IBIG (HDMF) also covers QC properties and is worth considering if you're a fund member. Nook compares offers from multiple lenders simultaneously so you don't have to apply one by one.
Current bank rates for QC home loans typically range from 5.99% to 8.50% per annum depending on the bank, loan amount, and fixing period chosen. Many homeowners who bought more than three years ago are still on rates of 8% to 10%, which means significant savings are available through refinancing. Nook's best available rate today is 5.99% p.a.
The core documents are your latest home loan Statement of Account, a copy of your Transfer Certificate of Title (TCT), a recent tax declaration, and proof of income such as payslips or ITR. Your property should also have an updated appraisal, which Nook can arrange through the bank at no cost to you. Our team will give you a complete checklist tailored to your situation once you get in touch.
The typical refinancing timeline in the Philippines is 45 to 90 days from application to loan release, depending on how quickly documents are submitted and the bank's internal processing time. Nook helps speed this up by submitting to multiple banks at once and following up on your behalf. We'll keep you updated at every stage so there are no surprises.
Generally, refinancing makes the most financial sense when you have at least 10 or more years remaining on your loan — the longer the remaining term, the greater the total interest savings. If you're in the early-to-mid stage of a 20 or 25-year loan, even a 1.5 to 2 percentage point rate reduction can save you hundreds of thousands of pesos over time. Nook can calculate your exact break-even point and projected savings before you commit to anything.
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