Thousands of Filipino homeowners with PSBank home loans are paying 7% or more — Nook can help you refinance to as low as 5.99% p.a. for free.
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Why this matters
PSBank (Philippine Savings Bank) offers home loans to Filipino borrowers, but like many banks, their standard home loan rates typically sit between 7% and 10% per annum depending on your fixing period and loan profile. If you took out your PSBank home loan a few years ago — or even recently — there's a strong chance you're paying more than you need to. Refinancing your PSBank home loan through Nook connects you to multiple partner banks competing for your business, so you get the sharpest rate available rather than whatever your current bank decides to offer.
Nook is the Philippines' first digital mortgage broker, and our service is completely free to borrowers. We do the legwork of comparing verified rates from our network of partner banks, preparing your documents, and managing the process end-to-end — so you don't have to chase banks yourself. The rates shown on this page are approximate figures based on publicly available PSBank information and are subject to change; actual rates depend on your loan balance, remaining term, and credit profile. What we can guarantee is that Nook will find you the best available refinance rate from our partner banks, currently as low as 5.99% p.a.
On a 3,000,000 peso home loan with 20 years remaining, moving from a typical PSBank rate of 8.50% to 5.99% translates to real, lasting savings every single month. Over the life of your loan, that difference compounds into hundreds of thousands of pesos — money that stays in your pocket instead of going to the bank. If you want to explore your options before committing, our PSBank home loan refinance comparison guide walks through what to look for and what questions to ask. Getting started with Nook takes minutes, and there's no obligation to proceed.
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's mortgage broking service costs nothing to the borrower. Nook earns a fee from the partner bank once your refinance is successfully completed, which means you get expert guidance and rate comparison at zero cost to you.
The rates displayed are approximate figures based on publicly available information about PSBank home loan products and are intended as a general guide only. PSBank's actual rates vary depending on your loan amount, fixing period, and borrower profile, so we recommend verifying current rates directly with PSBank or letting Nook compare live offers from our partner banks on your behalf.
Absolutely — refinancing typically makes the most sense when you have a significant remaining balance and term, because the interest savings compound over a longer period. Most lenders will refinance loans with at least 5 years remaining, and Nook will assess your specific situation to confirm eligibility.
The refinancing process in the Philippines typically takes 4 to 8 weeks from application to loan release, depending on the receiving bank and how quickly documents are submitted. Nook streamlines this by guiding you through every requirement upfront, reducing back-and-forth delays.
You'll generally need your latest PSBank loan statement, proof of income (payslips or ITR), a copy of your Transfer Certificate of Title (TCT), updated tax declaration, and valid government-issued IDs. Nook will provide you with a complete checklist tailored to your chosen partner bank so nothing is missed.
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