Whether you're buying near UP Diliman, Eastwood, or SM North EDSA, Nook helps you compare the best home loan rates in Quezon City — and if you already have a mortgage, we can help you save thousands every month by refinancing.
QC HOMEOWNER SAVINGS EXAMPLE
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Why this matters
Quezon City is one of Metro Manila's most active real estate markets, with demand spanning everything from mid-rise condos in Eastwood City and Cubao to house-and-lot properties in Fairview, Commonwealth, and the leafy villages near UP Diliman. With property values continuing to rise and more banks competing for borrowers in QC, 2026 is a strong time to either secure a new home loan or reassess whether your current one is still giving you a fair deal.
Most QC homeowners with loans taken out between 2018 and 2022 are likely paying rates between 7.5% and 10% — well above what's available today. Through Nook, the Philippines' first digital mortgage broker, you can access the best refinance rates from over a dozen banks including BDO, BPI, Metrobank, Security Bank, RCBC, and more, all in one place. Our service is completely free to borrowers, and we handle the comparison and application process for you. If you're exploring options in other parts of Metro Manila, you may also want to check out the best home loan rates in Makati for 2026 to see how QC compares.
Whether you're a first-time buyer financing a condo along Katipunan Avenue or a long-time homeowner looking to lower your monthly amortisation in Novaliches or Project 8, Nook gives you real, comparable offers without the bank-hopping. A typical QC borrower with a 3,000,000 loan balance at 8.50% could refinance to 5.99% and save close to 4,000 pesos every single month — that's real money back in your pocket every year you stay in your home.
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 lend on QC properties, including BDO, BPI, Metrobank, Security Bank, RCBC, UnionBank, Chinabank, PNB, and EastWest Bank. Pag-IBIG (HDMF) is also a popular option for eligible members, especially for mid-range properties in areas like Fairview, Novaliches, and Commonwealth. Nook works with multiple lenders so you can compare real offers side by side without applying to each bank individually.
As of 2026, the lowest refinance rate available through Nook is 5.99% per annum — significantly below the 7.5% to 10% that many QC homeowners are currently paying. Your actual rate will depend on your loan amount, remaining term, and the property's appraised value, but Nook will match you with the most competitive offer you qualify for. The service is 100% free to borrowers.
Yes, most banks will finance condominiums in established QC developments like Eastwood, Eton Centris, and projects along Katipunan and Aurora Boulevard, provided the building has a valid condominium certificate of title (CCT) and meets the bank's project accreditation requirements. Nook can help you identify which banks are currently accrediting your specific building and what rates they're offering. This is especially useful if you're buying in a newer or smaller development that not all banks may have on their approved list.
Philippine banks typically lend up to 80% of a property's appraised value for house-and-lot purchases, and up to 70–80% for condominiums. For a property appraised at 4,000,000 pesos in QC, you could borrow up to 3,200,000 pesos depending on your income and the bank's guidelines. Loan terms generally range from 10 to 25 years, and monthly amortisations are computed based on your loan amount, term, and the prevailing interest rate.
A new home loan is for purchasing a property you don't yet own, while refinancing means replacing your existing mortgage — usually with a different bank — to get a lower interest rate or better terms. If you already own a home in Quezon City and your loan is more than two years old, there's a good chance you're paying a higher rate than what's currently available. Nook specialises in refinancing and can show you exactly how much you'd save by switching, with no fees charged to you.
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