Switch to an RCBC home loan refinance and unlock rates starting at 7.00% p.a. — or go even lower through Nook's panel of partner banks, with the best rate currently at 5.99% p.a.
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Why this matters
If you took out your home loan a few years ago, there's a good chance you're paying more than you need to. Many Filipino homeowners are locked into rates of 8% to 10% or higher — rates that made sense at the time but are now costing thousands of pesos every single month. An RCBC home loan refinance lets you transfer your existing loan to RCBC and reprice it at their current 1-year fixed rate of 7.00% p.a., with no broker fees when you apply through Nook. For a ₱3,000,000 loan with 20 years remaining, that switch could reduce your monthly payment by over ₱4,000 — and save you more than ₱700,000 over the life of your loan.
RCBC is one of the Philippines' most established commercial banks and a trusted Nook partner. Their home loan refinancing product is designed for a broad range of borrowers: employed professionals, OFWs, seafarers, and the self-employed are all eligible, provided a minimum monthly income of ₱50,000. With a maximum debt-to-income ratio of 30% and a typical approval timeline of around 49 days, RCBC offers a structured, predictable refinancing process. You can also explore their Home Equity option at 8.00% p.a. if you want to unlock the value you've built in your property. For a full breakdown of what you'll need to qualify, see our RCBC Housing Loan Requirements 2026 guide.
Nook acts as your personal mortgage broker throughout the entire process — comparing RCBC's offer against rates from our full panel of partner banks, handling paperwork coordination, and keeping you updated every step of the way. Our service is completely free to borrowers; we're paid by the banks, not you. Whether RCBC turns out to be your best option or another lender edges them out, Nook makes sure you get the most competitive deal available. Ready to see your numbers? Use our RCBC housing loan rate calculator to estimate your savings, then get a free quote in minutes. Note: all interest rates quoted are subject to change — please verify current rates with RCBC or through Nook before making any financial decisions.
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
RCBC currently offers a 1-year fixed refinance rate of 7.00% p.a. through Nook, with a Home Equity option at 8.00% p.a. These rates are subject to change, so we recommend getting a personalised quote through Nook to confirm the latest figures before you proceed.
RCBC accepts refinancing applications from employed professionals, OFWs, seafarers, self-employed individuals, and licensed professionals. You'll need a minimum monthly income of ₱50,000 and a debt-to-income ratio no higher than 30% to qualify.
RCBC typically completes the refinancing approval process in around 49 days from submission of complete documents. Nook helps you prepare your application correctly from the start, which reduces the chances of delays caused by missing or incorrect paperwork.
No — Nook's mortgage brokering service is 100% free to borrowers. We're compensated directly by the bank once your loan is approved, so there's no fee for comparing rates, getting a quote, or having us manage your application end to end.
RCBC is a strong option with competitive rates and broad borrower eligibility, but the best bank for you depends on your income, loan balance, property type, and remaining term. Nook compares RCBC against our full panel of partner banks — including BPI, Security Bank, Metrobank, and others — so you can be confident you're getting the lowest rate available to you.
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