RCBC offers a competitive 1-year fixed refinance rate of 7.00% p.a. — but if you're currently paying above that, Nook can help you find an even lower rate, as low as 5.99% p.a., and handle your entire application for free.
YOUR POTENTIAL MONTHLY SAVINGS
No commitment. No credit check. Just your numbers.
Why this matters
RCBC is one of the Philippines' largest private banks and a trusted name in home financing. For 2026, RCBC's home loan refinancing program offers a 1-year fixed rate of 7.00% p.a., making it one of the more competitive refinance options available — especially for borrowers with stable employment and a clean credit record. Whether you're currently with a different bank or an existing RCBC borrower looking to reprice, transferring or restructuring your loan could meaningfully reduce your monthly amortisation. Learn more about how to transfer your loan to RCBC and what the process looks like from application to approval.
Through Nook, applying for RCBC home loan refinancing is completely free. As the Philippines' first digital mortgage broker, Nook compares rates across multiple partner banks — including RCBC — so you always get the best deal available to you. RCBC accepts applications from private employees, OFWs, seafarers, self-employed individuals, and professionals, with a minimum monthly income requirement of ₱50,000. Typical approval takes around 49 days, and Nook's team of mortgage specialists handles document collection, bank coordination, and follow-ups on your behalf, so you don't have to chase anyone. See a full breakdown of RCBC's rates, requirements, and refinancing process to know what to prepare.
If your existing home loan rate is anywhere between 8% and 10%, refinancing to RCBC's 7.00% — or potentially lower through Nook's broader panel — could save you tens of thousands of pesos every year. On a ₱3,000,000 loan with a 20-year remaining term, the numbers speak for themselves. The key is acting before your bank's lock-in period auto-reprices you to a higher rate. Nook helps you time your refinance correctly, compare offers side by side, and submit a complete application the first time — maximising your chances of approval and minimising delays.
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 accepts refinancing applications from private employees, OFWs, seafarers, self-employed individuals, and licensed professionals with a minimum monthly income of ₱50,000. Your property must be titled in your name, and most standard residential property types — including RFO units, resale houses, and home equity arrangements — are eligible. Nook will assess your profile upfront so you only apply where you're most likely to be approved.
RCBC's verified 1-year fixed rate for home loan refinancing is 7.00% p.a., with a home equity rate of 8.00% p.a. These rates are subject to change, so we recommend verifying the latest figures through Nook or directly with RCBC before submitting your application. Through Nook, you can also compare RCBC's rate against other partner banks to ensure you're getting the lowest rate available to you.
The typical approval timeline for RCBC home loan refinancing is around 49 days from submission of a complete application. Incomplete documents are the most common cause of delays, which is why Nook prepares and reviews your full document package before submission. Our mortgage specialists actively follow up with the bank on your behalf to keep things moving.
No — Nook's service is completely free to borrowers. Nook earns a referral fee from the bank only if your loan is successfully approved and released, so there's no upfront cost, no broker fee, and no obligation on your part. You get expert mortgage guidance, bank comparisons, and full application support at zero cost.
Yes, RCBC accepts loan transfers from other banks — this is one of the most common reasons borrowers refinance. If your current bank has repriced you to a higher rate or your lock-in period has ended, you can transfer your outstanding loan balance to RCBC and enjoy a lower rate from the start of your new loan term. Nook handles the coordination between your existing bank and RCBC to make the transition as seamless as possible.
Check your exact savings in 60 seconds. It's free and takes no commitment.
Check My Savings Now →