If you have an existing RCBC home loan, there's a good chance you're paying more than you need to. Nook can help you refinance to rates as low as 5.99% p.a. — for free.
ESTIMATED MONTHLY SAVINGS
No commitment. No credit check. Just your numbers.
Why this matters
RCBC is a well-established bank with a solid home loan product, but like most Philippine banks, their rates reset periodically — and after your fixed-rate period ends, many borrowers find themselves repriced to rates that are no longer competitive. If your current RCBC home loan is sitting at 7% or higher, refinancing through Nook could unlock significant savings without the hassle of doing it alone. You can see how RCBC stacks up by checking out our Bank of Commerce vs RCBC home loan rates comparison or the First Metro Investment vs RCBC comparison to understand where the market stands today.
Nook is the Philippines' first digital mortgage broker, and we work with a panel of partner banks — including RCBC itself — to find you the best available refinancing rate for your situation. Our service is completely free to borrowers. We handle the paperwork, coordinate with lenders, and guide you through every step of the process. There are no broker fees and no hidden charges. You simply get access to better rates and a smoother experience than going bank-to-bank on your own.
RCBC's current 1-year fixed refinancing rate starts at 7.00% p.a., and as a Nook partner bank they offer fast approvals with a typical turnaround of around 49 days. Whether you're looking to lower your monthly payment, shorten your loan term, or tap into your home equity, Nook will match you with the right product. Note that interest rates are subject to change — we recommend getting a personalised quote to confirm the latest rates available to 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, absolutely. Nook works with a panel of Philippine banks, including RCBC, to find you the most competitive refinancing rate available. We can help you refinance away from RCBC to another lender, or even explore whether staying with RCBC at a renegotiated rate makes sense for your situation.
Savings depend on your outstanding balance, remaining term, and current interest rate. On a 3,000,000 peso loan at 8.00%, refinancing to 5.99% p.a. could save you over 3,600 pesos per month — that's more than 43,000 pesos a year. Use Nook's free calculator to get an estimate based on your actual loan details.
RCBC currently offers a 1-year fixed refinancing rate starting at 7.00% p.a., and a home equity rate of 8.00% p.a. These rates are subject to change, so we recommend getting a current quote through Nook to confirm what's available to you based on your income and loan profile.
RCBC requires a minimum monthly income of 50,000 pesos and accepts a wide range of employment types including private employees, OFWs and seafarers, self-employed individuals, and licensed professionals. Nook will assess your profile upfront and let you know which banks and products you qualify for before you submit a single document.
With RCBC as your lender, typical approval takes around 49 days from complete document submission. Nook helps you prepare your documents correctly the first time, which reduces delays and back-and-forth with the bank. We guide you through every stage so there are no surprises along the way.
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