If you have a PSBank home loan, you could be paying significantly more than necessary. Nook helps you compare verified rates from top Philippine banks — for free — so you can refinance to a better deal today.
ESTIMATED MONTHLY SAVINGS
No commitment. No credit check. Just your numbers.
Why this matters
PSBank, the retail banking arm of Metrobank, offers home loans to Filipino borrowers — but like many traditional banks, their standard mortgage rates typically range from 7% to 10% per annum depending on your loan term and repricing period. If you took out your PSBank home loan a few years ago, there's a strong chance your current rate no longer reflects the most competitive options available in the market today. Rates shown here are approximate, based on publicly available information, and are subject to change — always verify directly with PSBank for current figures.
Refinancing your PSBank home loan through Nook means you get access to verified, real-time rates from multiple partner banks — all in one place, at zero cost to you. Instead of spending weeks calling different banks and submitting multiple applications, Nook's digital mortgage platform does the heavy lifting. Our team matches your profile to the lender most likely to approve you at the lowest possible rate. Many homeowners who explore refinancing their PSBank home loan are surprised to find they can save tens of thousands of pesos every year without extending their loan term.
The best refinance rate currently available through Nook is 5.99% p.a. — a meaningful difference if your existing PSBank loan is sitting at 8% or higher. On a 3,000,000-peso loan with 20 years remaining, that gap can translate to over 3,000 pesos in monthly savings. If you want to understand the full picture before committing, you can also compare PSBank home loan rates against better alternatives using Nook's free tools. There are no hidden fees, no obligations, and no pressure — just clarity on whether switching makes financial sense for you.
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, you can absolutely refinance your PSBank home loan with another bank — this is called external refinancing and it's completely legal and common in the Philippines. The new bank pays off your existing PSBank loan balance and issues you a new mortgage under better terms. Nook helps you identify which partner banks are most likely to approve your application and offer you the lowest rate.
The rates referenced here are approximate figures based on publicly available information and general market knowledge — they are not guaranteed and are subject to change without notice. PSBank is not a Nook partner bank, so we do not have access to their live rate feeds. We strongly recommend contacting PSBank directly to confirm your current rate before making any refinancing decision.
Nook's service is completely free for borrowers — you pay nothing for our consultation, comparison, or application assistance. We are compensated by the bank when a loan is successfully disbursed, which means our incentive is fully aligned with getting you the best possible deal. There are standard bank fees involved in any refinancing (such as appraisal and documentation charges), which Nook will walk you through transparently.
Typical requirements include a valid government-issued ID, proof of income (payslips or ITR), your latest PSBank loan statement, a copy of your Transfer Certificate of Title (TCT), and a tax declaration for the property. Nook will guide you through the full checklist once you submit your initial inquiry, and we help ensure your documents are complete before submission to avoid delays.
The refinancing process in the Philippines typically takes 4 to 8 weeks from application to loan release, depending on the bank and how quickly documents are submitted. Nook helps streamline this by preparing your application properly from the start and coordinating directly with the bank on your behalf. Delays are most often caused by incomplete documentation, which our team actively helps you avoid.
Check your exact savings in 60 seconds. It's free and takes no commitment.
Check My Savings Now →