Thinking about refinancing your home loan to Maya Bank? Before you decide, make sure you're getting the lowest rate available — Nook compares Maya Bank and every major Philippine lender so you never leave savings on the table.
YOUR POTENTIAL MONTHLY SAVINGS
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Why this matters
Maya Bank has built a reputation as one of the Philippines' most innovative digital lenders, and its home loan product appeals to borrowers who want a seamless, app-driven experience. If you're currently paying a rate of 8.50% or higher on your existing mortgage — whether with a traditional bank or a developer in-house financing — refinancing could free up thousands of pesos every single month. The key is making sure Maya Bank's offering is genuinely the best deal available to you right now, not just the most convenient one. You can check how Maya Bank's rates stack up against the rest of the market by reviewing current mortgage interest rates in the Philippines before making any decisions.
Nook is the Philippines' first digital mortgage broker, and our service is completely free for borrowers. We work with Maya Bank alongside BDO, BPI, Metrobank, Security Bank, RCBC, UnionBank, Chinabank, and more — giving you a full picture of the market in one place. Instead of applying to multiple banks one by one, Nook identifies the lender most likely to approve your application at the lowest rate, then guides you through the entire process. For a 3,000,000 peso loan with 20 years remaining, even a 2.5 percentage point drop in your rate translates to over half a million pesos in total interest savings over the life of the loan.
The refinancing process in the Philippines typically takes 4 to 8 weeks from application to loan release, and the paperwork can feel overwhelming if you're doing it alone. Nook's team handles the coordination, follows up with the bank on your behalf, and keeps you informed at every step — at no cost to you. Whether Maya Bank turns out to be your best option or another lender offers a sharper rate, Nook makes sure you're refinancing with confidence rather than guesswork.
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
Maya Bank offers a genuinely digital experience that appeals to tech-savvy borrowers, but the best lender for you depends on your specific loan amount, income profile, and the rates available at the time you apply. Nook compares Maya Bank against all major Philippine lenders so you can see exactly where you stand. We'll tell you honestly if Maya Bank is your best option — or if another bank can offer you a lower rate.
Your savings depend on your current interest rate, remaining loan balance, and the new rate you qualify for. On a 3,000,000 peso loan moving from 8.50% to 5.99% over a 20-year term, you could save over 3,000 pesos per month and more than 550,000 pesos in total interest. Use Nook's free refinancing assessment to get a personalised savings estimate based on your actual loan details.
Most banks require a valid government ID, proof of income (payslips or ITR), your existing loan statement of account, Transfer Certificate of Title (TCT) or Condominium Certificate of Title (CCT), and a copy of your tax declaration. Requirements can vary slightly between lenders, so Nook will give you a tailored checklist once we know which bank is the best fit for your situation.
The typical refinancing timeline in the Philippines runs from 4 to 8 weeks, covering document submission, bank credit evaluation, property appraisal, and loan release. Digital lenders like Maya Bank may process some steps faster, but the legal and appraisal stages follow standard timelines regardless of the bank. Nook actively monitors your application and follows up with the bank so there are no unnecessary delays.
Yes — Nook's service is 100% free for homeowners looking to refinance. Nook earns a referral fee from the bank when your loan is successfully released, which means our incentive is always to find you the best possible rate and get your application approved. There are no hidden charges, no upfront fees, and no obligation to proceed after your free assessment.
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