Maya Bank made digital banking easy — but when it comes to your home loan, easy isn't enough. Nook shops across traditional and digital lenders to find you rates as low as 5.99% p.a., completely free.
YOUR POTENTIAL SAVINGS
No commitment. No credit check. Just your numbers.
Why this matters
Maya Bank has built a reputation as one of the Philippines' most innovative digital banks, and their home loan products reflect that tech-forward approach. But innovation in user experience doesn't always translate to the most competitive interest rates on the market. If you took out your home loan with Maya Bank in the past few years, there's a strong chance you're paying a rate between 8% and 9.5% — and that gap between your current rate and today's best available rate could be costing you tens of thousands of pesos every year.
Refinancing is the process of replacing your existing home loan with a new one from a different lender at a lower interest rate. As a digital mortgage broker, Nook simultaneously compares offers from over a dozen Philippine banks — including BDO, BPI, Security Bank, Metrobank, and more — to find the loan that fits your financial situation. Unlike going bank-to-bank yourself, Nook handles the legwork and paperwork, and the entire service is 100% free to you as the borrower.
Switching away from Maya Bank doesn't have to be complicated. With Nook, you submit your details once and we do the comparison for you. Most clients who refinance through Nook see their monthly repayments drop significantly within a few months, with no hidden fees or obligations during the consultation process. If a refinance makes financial sense for you, we'll tell you. If it doesn't, we'll tell you that too.
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, absolutely. Maya Bank home loans can be refinanced to any accredited bank or lender in the Philippines that accepts loan takeovers. Nook works with over a dozen lenders including BDO, BPI, Security Bank, and Metrobank, and we'll identify which of them will offer you the best rate given your property type, outstanding balance, and income profile.
Nook's service is completely free for borrowers. We are compensated by the bank that ultimately approves your loan, which means you get full mortgage brokering support — comparison, application assistance, and document coordination — at zero cost to you. There are standard bank fees involved in any refinancing (such as appraisal and registration), but these are disclosed upfront and factored into our recommendations.
Often yes, especially if rates have moved significantly since you took out your loan. The earlier in your loan term you refinance, the more interest you have remaining — which means the savings from a lower rate are greatest when you act sooner. Nook will calculate your exact break-even point so you can see how long it takes to recover any switching costs.
To get started, you'll typically need your latest Maya Bank loan statement, proof of income (payslips or ITR for the past 2 years), a copy of your Transfer Certificate of Title (TCT), and valid government-issued IDs. Nook will guide you through the full document checklist once you complete your initial consultation — we make the process as straightforward as possible.
The refinancing process typically takes 4 to 8 weeks from application to loan release, depending on the receiving bank's processing times and how quickly documents are submitted. Nook actively coordinates between you and the bank throughout the process, which helps avoid delays and keeps your application moving forward efficiently.
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