Homeowners in Greenhills are overpaying on their mortgages. Refinancing to 5.99% p.a. could save you over 4,850 a month — and Nook makes the entire process free and hassle-free.
GREENHILLS HOMEOWNER SAVINGS
No commitment. No credit check. Just your numbers.
Why this matters
Greenhills in San Juan is one of Metro Manila's most enduring prestige addresses — a neighbourhood where well-maintained homes, reputable schools, and easy access to Ortigas and Makati have kept property values consistently strong. Many homeowners here took out their mortgages years ago at rates between 8% and 10%, and have simply continued paying without revisiting whether better terms are available. The reality is that the lending landscape has changed significantly, and refinancing today could unlock substantial monthly savings without requiring you to move or restructure your entire financial life.
Nook is the Philippines' first digital mortgage broker, and our job is to shop your loan across multiple banks — BDO, BPI, Metrobank, Security Bank, RCBC, and more — to find the lowest rate you actually qualify for. The best refinance rate currently available through Nook is 5.99% p.a. For a 3,000,000 loan with 20 years remaining, that single rate reduction can mean thousands of pesos back in your pocket every month. If you're curious how Greenhills compares to other prime Metro Manila markets, our guide on best home loan rates in Makati gives useful context on what top banks are currently offering across the metro.
The entire Nook service is completely free to you as a borrower — we are compensated by the bank once your loan is approved. There are no broker fees, no hidden charges, and no obligation after your free consultation. Whether your current loan is with a private bank or a government institution like Pag-IBIG, our advisors will assess your situation honestly and only recommend refinancing if the numbers genuinely work in your favour. Getting started takes less than five minutes online.
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
The clearest signal is a gap of 1.5% or more between your current interest rate and the best available rate today. If you took out your home loan more than two years ago at a rate above 7.5%, there is a very good chance refinancing will save you money. Nook can run the numbers for you in minutes at no cost.
Most major Philippine banks accept residential refinance applications for properties in Greenhills, including BDO, BPI, Metrobank, Security Bank, RCBC, and UnionBank. Eligibility and rates vary by lender, which is exactly why using a broker like Nook — who compares all of them simultaneously — gives you an advantage over applying to banks one by one.
From application to loan release, refinancing typically takes four to eight weeks depending on the bank and how quickly documents are submitted. Nook helps you prepare a complete application from the start, which significantly reduces back-and-forth delays and keeps the process moving efficiently.
There are standard closing costs involved — such as appraisal fees, documentary stamp tax, and notarial fees — which are typically rolled into the new loan or paid upfront to the bank. Nook's brokerage service itself is 100% free to you; we are paid a referral fee by the bank upon successful loan release, not by you.
Yes, it is possible to refinance a Pag-IBIG (HDMF) housing loan into a commercial bank loan, and many borrowers do this to access more competitive interest rates or longer fixed-rate periods. The process involves paying off your existing Pag-IBIG balance with the proceeds of the new bank loan, and Nook can help you evaluate whether the switch makes financial sense for your specific situation.
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