Choosing between RCBC and Metrobank for refinancing? RCBC offers a verified 1-year fixed rate of 7.00% p.a. — and through Nook, you can access it for free with zero broker fees.
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Why this matters
If you're currently paying off a home loan with Metrobank — or any bank charging rates in the 8% to 10% range — refinancing to RCBC through Nook could put thousands of pesos back in your pocket every month. RCBC is a Nook partner bank offering a verified 1-year fixed rate of 7.00% p.a. for refinancing, with a minimum monthly income requirement of just ₱50,000 and an average approval timeline of around 49 days. Unlike going directly to a bank, applying through Nook means you get a dedicated mortgage specialist, streamlined document processing, and the ability to compare multiple lenders — all at no cost to you.
Metrobank is a well-established lender with competitive home loan products, but its rates are not publicly listed as verified partner rates through Nook. Rates from non-partner banks like Metrobank are typically in the 7% to 10% range depending on your fixing period, loan amount, and credit profile, and are subject to change without notice. When comparing refinancing options, it's important to look beyond the headline rate — consider processing fees, lock-in periods, prepayment penalties, and whether the bank supports your employment type. For a detailed side-by-side breakdown, see our RCBC vs Metrobank home loan refinance rates 2026 comparison.
RCBC accepts a wide range of borrower profiles including private employees, OFWs and seafarers, self-employed individuals, and licensed professionals. Eligible loan purposes include refinancing, home equity, reselling, pre-selling, and ready-for-occupancy properties. Whether you're looking to lower your monthly payments, shorten your loan term, or free up equity, refinancing through Nook gives you access to RCBC's competitive rates with expert guidance every step of the way. Note that all interest rates are subject to change — always verify current rates before committing to a refinancing decision.
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 verified 1-year fixed rate of 7.00% p.a. for home loan refinancing through Nook. They also offer a Home Equity rate of 8.00% p.a. These rates are confirmed partner rates and are subject to change, so it's best to apply through Nook to lock in the latest available offer.
Metrobank is not a Nook partner bank, so its rates are not verified through our platform. Based on publicly available information, Metrobank's refinancing rates generally fall in the 7% to 10% range depending on fixing period and borrower profile. For an accurate comparison, check out our RCBC vs Metrobank home loan rates comparison page.
Yes — Nook's mortgage brokering service is 100% free to borrowers. Nook earns a referral fee from the bank once your loan is approved, so there is no charge to you at any stage of the process. You get full access to a dedicated mortgage specialist, document support, and multi-bank comparison at zero cost.
To refinance through RCBC, you'll generally need a minimum monthly income of ₱50,000 and a debt-to-income ratio of no more than 30%. RCBC accepts private employees, OFWs, seafarers, self-employed individuals, and licensed professionals. Nook's team can help you assess your eligibility before you formally apply.
RCBC's typical approval timeline through Nook is approximately 49 days from submission of complete documents. Your Nook mortgage specialist will guide you through every step to ensure your application is complete and accurate, which helps avoid delays. The overall timeline may vary depending on your individual circumstances and document readiness.
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