Maya Bank brought you digital-first banking — but when it comes to your home loan rate, smart borrowers know when to shop around. Nook helps you compare the best refinance offers in the Philippines, completely free.
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Why this matters
Maya Bank has made waves as one of the Philippines' most innovative digital banks, offering a fully app-based experience for everyday banking and lending. Their home loan products appeal to tech-savvy borrowers who value convenience — but convenience at origination doesn't always mean you're getting the most competitive rate over the life of your loan. If you took out your Maya Bank home loan a few years ago, there's a strong chance the market has shifted and current mortgage interest rates in the Philippines could save you significantly more each month.
Refinancing a digital bank home loan works exactly the same way as refinancing with any traditional lender. You apply to a new bank — or let Nook do the shopping for you — and the new lender pays off your existing Maya Bank balance. You start fresh with a lower rate, a lower monthly payment, and more cash staying in your pocket. For a ₱3,000,000 loan at 8.50%, moving to Nook's best available rate of 5.99% could cut your monthly amortisation by over ₱3,000 and save you more than ₱550,000 across your remaining loan term. That's real money that could go toward your children's education, investments, or simply a more comfortable life.
The digital borrower profile that made Maya Bank attractive to you — salaried professional, strong credit history, comfortable with online processes — is exactly the profile that traditional and digital banks compete aggressively to win. That gives you real leverage when refinancing. Nook works with BDO, BPI, Security Bank, Metrobank, and more to find you the sharpest deal with no broker fees charged to you. If you're also curious about what other banks require before applying, it's worth reviewing the BPI housing loan requirements as a benchmark for what lenders typically look for.
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
Yes, as long as you've completed at least 12 months of on-time payments, most banks will consider your refinancing application. Some lenders are flexible on this seasoning requirement depending on your financial profile and loan-to-value ratio. Nook can help you identify which bank partners are most likely to approve your specific situation.
Refinancing your home loan does not affect your Maya savings account, Maya credit card, or any other Maya Bank products — these are entirely separate relationships. You simply close out the home loan portion and move it to a bank offering a better rate. Many borrowers continue using Maya for everyday digital banking while refinancing their mortgage elsewhere.
Nook is a digital mortgage broker that shops your loan profile across multiple Philippine banks to find the lowest rate you qualify for. The service is completely free for borrowers — Nook earns a referral fee from the bank that wins your business, not from you. You get expert guidance and rate comparison without paying a single peso in broker fees.
You'll typically need your latest Statement of Account from Maya Bank, proof of income (payslips or ITR), a copy of your Transfer Certificate of Title, and a tax declaration of the property. Nook will walk you through the exact checklist once you submit your initial details. The process is mostly digital and designed to be as painless as the banking experience you're already used to.
A typical refinancing transaction in the Philippines takes between 30 and 60 days from application to loan release, depending on the receiving bank's processing speed and how quickly documents are submitted. Nook helps you avoid common delays by flagging missing requirements early. Once approved, your new bank settles the Maya Bank balance directly and your new lower monthly payments begin.
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