Ortigas property owners are overpaying on their home loans every month. Switch to a rate as low as 5.99% p.a. and keep thousands more in your pocket — completely free through Nook.
ORTIGAS HOMEOWNER SAVINGS ESTIMATE
No commitment. No credit check. Just your numbers.
Why this matters
Ortigas Center is one of Metro Manila's most established business and residential districts, home to high-rise condominiums, mixed-use developments, and mid-rise residences across Pasig, Mandaluyong, and Quezon City. If you purchased a property here in the last five to ten years, there's a strong chance your current home loan rate is between 7.5% and 9.5% — far above what's available in today's refinancing market. Many Ortigas homeowners simply don't realise their repricing anniversary has passed and their bank has quietly moved them to a much higher rate.
Refinancing through Nook means we compare offers from BDO, BPI, Metrobank, Security Bank, RCBC, EastWest Bank, and more to find the sharpest rate for your specific property and borrowing profile. On a 4,500,000 loan balance with 20 years remaining, moving from 8.50% to 5.99% saves over 82,000 pesos every year — money that stays in your family's hands instead of the bank's. If you're also exploring options in nearby premium addresses, it's worth checking how home loan rates in Makati compare to get a full picture of the market.
The entire Nook service is free for borrowers. We handle the paperwork, negotiate with lenders on your behalf, and guide you from application to approval. Whether your Ortigas property is a condo unit in One San Miguel, a townhouse along Meralco Avenue, or an office conversion in the CBD fringe, we can find a refinancing solution that fits. BGC borrowers have seen similar results — for example, Two Serendra refinance cases in BGC show just how significant the monthly relief can be when you act on a repricing window. Get your free savings estimate from Nook today.
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
Most major Philippine banks accept refinancing applications for Ortigas properties, including BDO, BPI, Metrobank, Security Bank, RCBC, and EastWest Bank. Nook works with all of these lenders and submits your application to multiple banks simultaneously so you can compare the best offers side by side without doing the legwork yourself.
Most banks require that your outstanding loan balance does not exceed 70% to 80% of the property's current appraised value — known as the loan-to-value ratio. Given that Ortigas property values have appreciated significantly over the past decade, many homeowners find they have more than enough equity to qualify comfortably. Nook will help you assess your position before submitting any application.
The typical refinancing timeline is four to eight weeks from document submission to loan release, depending on the bank and the completeness of your requirements. Ortigas properties are well-documented and generally familiar to lenders, which tends to speed up the appraisal and approval process. Nook tracks your application at every stage and chases the bank on your behalf so nothing falls through the cracks.
Nook's service is 100% free for borrowers — we are compensated by the bank when your loan is successfully placed, not by you. The costs you will encounter are standard third-party fees such as the bank's appraisal fee, notarial fees, and mortgage registration charges, which are required regardless of which channel you use to apply. We provide a clear breakdown of all expected fees before you commit to anything.
Yes, most banks will refinance owner-held investment properties in Ortigas, and rental income can actually strengthen your application by demonstrating additional repayment capacity. You will need to declare the rental arrangement and may be asked to provide lease contracts or bank statements showing rental deposits. Nook will advise you on how to present your income profile in the most favourable way to each lender.
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