High-net-worth homeowners with PHP 20M+ properties are often overpaying by hundreds of thousands annually. Nook secures exclusive refinancing rates as low as 5.99% p.a. — with zero broker fees and white-glove service from application to approval.
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Why this matters
Owners of ultra-luxury properties in the Philippines — whether a Grand Ayala Alabang estate, a Rockwell Makati penthouse, or a Forbes Park legacy home — typically carry home loans originated at rates between 8.50% and 10% p.a. At a PHP 20,000,000 loan balance, that means you could be overpaying by more than PHP 42,000 every single month compared to what Nook can arrange today. Over a 15-year remaining term, the cumulative difference runs into the millions — capital that could be redeployed into investments, a second property, or your business.
Refinancing a high-value home loan in the Philippines has historically been complex: multiple bank visits, opaque pricing, and rates that rarely reflect your strong financial profile. Nook changes that. As the Philippines' first digital mortgage broker, we negotiate directly with BDO, BPI, Metrobank, Security Bank, RCBC, Chinabank, and more — presenting your application to the lenders most likely to offer elite-tier pricing for your asset class. Our service is completely free to you; the bank pays our fee. If you are self-employed or have a more complex income structure, our specialists understand exactly how to structure a refinance for non-traditional borrowers to maximise approval odds and rate competitiveness.
The process is fully digital and designed around your schedule. Submit your documents once through Nook's secure platform, and our team handles the coordination, comparison, and paperwork across all participating lenders simultaneously. Most clients receive their first indicative offers within 48 hours. There are no obligations until you choose to proceed, and our advisors are available to walk you through every term of your offer — because at this loan size, every basis point matters.
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 — in fact, high-value properties with strong borrower profiles often attract the most competitive pricing banks have available, since they represent low-risk, high-value business. Through Nook, we present your application to multiple lenders simultaneously, creating genuine competition for your loan. The current best available rate through our panel is 5.99% p.a., which on a PHP 20M balance represents extraordinary savings versus a typical 9–10% legacy rate.
You will typically need a copy of your Transfer Certificate of Title (TCT), the latest tax declaration, your existing loan statement of account, proof of income (ITR, payslips, or audited financial statements for business owners), and valid government-issued IDs. For ultra-luxury properties, banks may also request a recent appraisal — Nook coordinates this on your behalf. Our team will send you a personalised checklist so nothing is missed.
For a PHP 20M+ loan, the full process from application to loan release typically takes 45 to 75 days, depending on the lender and the completeness of your documents. Nook significantly reduces delays by managing lender communication and flagging document issues early. Our dedicated high-value loan advisors prioritise your file to keep the process moving efficiently.
Most Philippine banks impose a pre-termination penalty if you refinance within a fixed-rate lock-in period, typically 1 to 3 years from your last repricing or drawdown. The penalty is usually 1–2% of the outstanding loan balance — on PHP 20M, that is PHP 200,000 to PHP 400,000. Nook calculates your exact breakeven point so you can confirm that the long-term savings comfortably outweigh any exit costs before you commit.
Yes, completely free — regardless of loan amount. Nook is compensated by the bank that wins your business, not by you. There are no broker fees, no consultation charges, and no hidden costs at any stage of the process. Our incentive is entirely aligned with yours: securing the best possible rate so you choose to proceed and the bank earns your loan.
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