Thousands of Filipino homeowners are still paying 7% or higher on their RCBC home loans — Nook can help you refinance to as low as 5.99% p.a. for free.
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Why this matters
RCBC is one of the Philippines' most established home loan lenders, offering competitive fixed rates starting at 7.00% p.a. for a 1-year fix. But if your existing RCBC home loan is already a few years old — or if you locked in at a higher rate during a previous repricing cycle — there's a real chance you're overpaying every single month. Refinancing means moving your outstanding balance to a lender offering a lower rate, which directly reduces your monthly amortisation and frees up cash for your family. You can learn more about how RCBC structures its loans in our RCBC housing loan interest rates guide.
Through Nook, the Philippines' first digital mortgage broker, you can compare RCBC's current refinancing rates against other leading banks in minutes — all without paying a single peso in broker fees. Nook's panel includes BDO, BPI, Metrobank, Security Bank, and more, so you're always seeing the most competitive options available to you. If RCBC offers the best deal for your situation, we'll tell you that too. The goal is simply to make sure you're not leaving money on the table at every repricing. For a full breakdown of what documents and qualifications you'll need, check out our RCBC housing loan requirements guide for 2026.
Refinancing through Nook takes the complexity out of the process. We handle the bank comparisons, paperwork coordination, and submission on your behalf — you just need to decide when you're ready to start saving. Whether your current loan is with RCBC or another bank, and whether you're employed, self-employed, or an OFW, Nook can match you with a lender that fits your profile. Interest rates are subject to change; borrowers should verify current rates directly with their chosen bank before proceeding.
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 — if your RCBC home loan has been active for at least one to two years and you have a good repayment history, you are likely eligible to refinance. You can either reprice with RCBC directly or switch to another bank offering a more competitive rate. Nook helps you compare both options so you can make the most informed decision.
RCBC currently offers a 1-year fixed refinancing rate of 7.00% p.a. and a Home Equity rate of 8.00% p.a. These are among the more competitive rates available from major Philippine banks. However, Nook's panel includes lenders offering rates as low as 5.99% p.a., so it's always worth comparing before you commit.
On a 3,000,000 peso loan with 20 years remaining, switching from a 7.00% rate to 5.99% p.a. could save you over 1,700 pesos per month — that's more than 20,000 pesos a year. Over the life of the loan, the total savings can be substantial. Use Nook's free comparison tool to get a personalised estimate based on your actual loan balance.
No — Nook's service is completely free for borrowers. As a digital mortgage broker, Nook is compensated by the bank when a loan is successfully placed, not by you. You get access to multiple bank offers, expert guidance, and full application support at zero cost.
RCBC requires a minimum monthly income of 50,000 pesos and accepts applications from private employees, OFWs and seafarers, self-employed individuals, and professionals. The maximum debt-to-income ratio is 30%, and approval typically takes around 49 days. Nook will assess your profile upfront and recommend the lender most likely to approve your application at the best rate.
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