Metrobank home loan rates typically range from 7% to 9% p.a. — but Nook partner banks are offering as low as 5.99% p.a. See how much you could save by refinancing, completely free.
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Why this matters
Metrobank is one of the Philippines' largest and most trusted banks, and its housing loan products are a popular choice for Filipino homebuyers. However, like most major banks, Metrobank's standard home loan rates — typically ranging from 7% to 9% p.a. depending on your fixing period and credit profile — may not always be the most competitive option available to you. These rates are approximate, based on publicly available information, and are subject to change without notice. Always verify the latest rates directly with Metrobank before making any financial decision.
That's where a mortgage calculator becomes valuable — but it only tells half the story. Knowing your current estimated monthly amortization is useful, but knowing whether you could be paying significantly less is even more powerful. Nook works with a panel of accredited Philippine lenders offering verified, competitive rates starting at 5.99% p.a. On a ₱3,000,000 loan, the difference between an 8.50% rate and a 5.99% rate can mean saving over ₱800,000 across the life of your loan. If you're curious how Metrobank stacks up against the competition, check out this detailed comparison of Metrobank vs BPI vs Security Bank home loan rates for 2026.
Refinancing your Metrobank home loan through Nook is 100% free — Nook is paid by the lender, not by you. Our team handles the paperwork, coordinates with banks on your behalf, and helps you find the best rate for your situation. Whether you're mid-loan with Metrobank or just exploring your options, it costs you nothing to find out how much you could save. You can also explore how other banks compare in our RCBC vs Metrobank home loan rates comparison to get a fuller picture of the market.
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
Online calculators give you a useful ballpark estimate, but actual monthly amortizations depend on your specific loan terms, fixing period, approved interest rate, and any applicable fees. Metrobank's published rates are approximate and subject to change, so treat calculator results as a starting point rather than a guaranteed figure. For a precise quote, speak directly with Metrobank or use Nook's free service to get verified rate offers from multiple lenders at once.
Metrobank's home loan rates generally range from around 7% to 9% p.a. depending on your chosen fixing period (typically 1, 2, 3, or 5 years) and your credit profile. These figures are based on publicly available information and are subject to change without notice. We recommend using 8% to 8.50% as a reasonable mid-range estimate, then verifying the current rate with Metrobank directly.
Yes — refinancing is one of the most effective ways to reduce your monthly amortization if market rates have dropped since you took out your original loan. Through Nook, you can compare verified offers from multiple accredited banks and potentially secure a rate as low as 5.99% p.a. The entire process is free for borrowers, and Nook handles the coordination with lenders on your behalf.
The refinancing process in the Philippines typically takes between 4 to 8 weeks from application to loan release, depending on how quickly documents are prepared and the processing speed of your new lender. Nook helps streamline this by guiding you through the requirements and following up with banks on your behalf. Starting early means less stress and a faster path to your lower monthly payment.
Yes, completely free for borrowers. Nook is compensated by the partner bank when a loan is successfully arranged — you pay nothing for the consultation, comparison, or assistance with your application. There are no hidden fees and no obligation to proceed after getting your rate comparison.
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