Maya Bank has made waves in Philippine digital finance — but when it comes to home loan refinancing, savvy homeowners are discovering that Nook can unlock rates as low as 5.99% p.a. across multiple lenders, potentially saving you tens of thousands every year.
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Why this matters
Maya Bank has built a strong reputation as a digital-first financial institution in the Philippines, offering high-yield savings accounts and personal finance tools. However, as of 2026, Maya Bank does not offer a dedicated home loan or mortgage refinancing product. If you landed here hoping to refinance through Maya, you're not alone — many digitally savvy homeowners are searching for flexible, tech-driven alternatives to traditional bank mortgages. The good news is that Nook was built exactly for you: a 100% digital mortgage broker that compares refinancing options from major Philippine lenders so you don't have to visit a single branch.
Most Filipino homeowners currently servicing a home loan are paying rates anywhere between 7% and 10% per annum. If your loan was repriced more than two years ago, there's a strong chance you're overpaying. Through Nook, the best available refinance rate today is 5.99% p.a. On a 3,000,000-peso loan with 20 years remaining, that difference can translate to over 3,000 pesos back in your pocket every single month. You can check current mortgage interest rates in the Philippines to see exactly where the market stands right now and how your existing rate compares.
Nook works with established Philippine banks — including BPI, BDO, Metrobank, Security Bank, RCBC, and more — to find you the most competitive refinancing terms available. The entire process is managed online, which means no queuing, no repeated document submissions to multiple banks, and no broker fees charged to you. Whether you originally borrowed from a traditional bank or a government lender like Pag-IBIG, Nook can evaluate your situation and match you with a better deal. If you're also comparing options, it may be worth reviewing BPI housing loan requirements as BPI is one of the most competitive refinancing lenders currently available through the platform.
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
As of 2026, Maya Bank does not offer home loans or a mortgage refinancing product in the Philippines. Maya's financial services are focused on digital payments, savings, and personal lending. If you're looking for a digital-friendly way to refinance your home loan, Nook offers a fully online process across multiple major Philippine banks.
Through Nook, the lowest available refinance rate is currently 5.99% per annum. This rate is available to qualifying borrowers with sufficient equity and a good credit standing. Rates vary by lender, loan amount, and term, so Nook compares multiple offers to find your best option.
Savings depend on your current rate, loan balance, and remaining term, but homeowners paying 8.50% on a 3,000,000-peso loan could save over 3,000 pesos per month by refinancing to 5.99%. Over a 15-year period, that amounts to more than half a million pesos in total interest savings. Use Nook's free calculator to get a personalised estimate based on your actual loan details.
Yes, Nook's service is 100% free to the borrower. Nook earns a referral fee from the bank that you choose to refinance with, so there are no broker fees, application charges, or hidden costs passed on to you. You get professional mortgage comparison and application support at no cost.
Nook works with a wide panel of major Philippine banks including BPI, BDO, Metrobank, Security Bank, RCBC, UnionBank, PNB, Chinabank, and more. This means you get competing offers from multiple lenders in one application, rather than having to approach each bank separately. Nook's advisors will recommend the best fit based on your loan profile and financial goals.
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