Homeowners with PHP 25 million properties deserve elite financial options — Nook connects you to the lowest refinance rates available in the Philippines, completely free of charge.
ULTRA-LUXURY SAVINGS ESTIMATE
No commitment. No credit check. Just your numbers.
Why this matters
Owning an ultra-luxury home in the Philippines — whether a sprawling estate in Ayala Alabang, a penthouse in Bonifacio Global City, or a beachfront villa in Batangas — is a significant financial achievement. But even the most sophisticated homeowners often overlook the opportunity sitting inside their mortgage. If your PHP 20 million to PHP 25 million home loan is still running at 8% to 9% or higher, you could be leaving millions of pesos on the table over the life of your loan. Nook specialises in finding the best refinance rates across the Philippines' top private and commercial banks — including BDO, BPI, Security Bank, Metrobank, RCBC, and Chinabank — so you can move to a rate as low as 5.99% p.a. without paying a single peso in broker fees.
High-value property refinancing comes with its own set of considerations. Banks assess luxury and ultra-luxury properties differently, often requiring independent appraisals, more detailed income documentation, and longer underwriting timelines. Whether you are a business owner, a C-suite executive, or a self-employed borrower with complex income structures, Nook's team navigates these requirements on your behalf, presenting your application to multiple lenders simultaneously to secure the most competitive terms. Our digital process means less paperwork, fewer branch visits, and faster approvals — even for loans at this level.
The numbers speak for themselves. On a PHP 20 million outstanding balance at 8.50% over 20 years, refinancing to 5.99% can reduce your monthly repayment by over PHP 26,000 — that is more than PHP 4.7 million saved over the remaining term of your loan. For high-net-worth individuals managing multiple assets, that freed-up cash flow can be redirected into investments, business capital, or simply providing greater financial flexibility. Nook's service costs you nothing, and the potential upside is substantial. There is no reason to wait.
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, Nook works with high-value loan applications including those in the PHP 15 million to PHP 25 million range and above. Several of our bank partners — including BDO, BPI, Security Bank, and RCBC — have private banking or premium lending divisions that cater specifically to high-net-worth borrowers, and Nook will match you with the most appropriate lender for your profile and property.
Banks conducting refinance appraisals on high-value properties will typically commission an independent accredited appraiser rather than relying on purchase price alone. Nook advises clients on how to prepare for this process — including gathering recent comparable sales in your area and ensuring the property is well-documented — to maximise the assessed value and the loan amount available to you.
At this loan level, expect to provide government-issued ID, your existing loan statements, a certified true copy of your property title (TCT or CCT), a recent tax declaration, proof of income such as ITR and financial statements for at least two years, and a property appraisal report. If you are self-employed, Nook's guide on self-employed refinancing explains how to present complex income structures in the most favourable light to lenders.
High-value refinance applications typically take four to eight weeks from submission to loan release, depending on how quickly the receiving bank can complete appraisal and credit assessment. Nook manages the entire process — coordinating with your current bank, the new lender, and any third parties — so delays are minimised and you are kept informed at every stage.
Yes, completely free — regardless of your loan size. Nook earns a referral fee from the bank that successfully disburses your refinanced loan, so there is no charge to you at any point in the process. There are no hidden advisory fees, application fees, or success fees payable by the borrower, whether your loan is PHP 3 million or PHP 25 million.
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