Makati property owners are switching to rates as low as 5.99% p.a. through Nook — saving thousands every month with zero broker fees.
MAKATI HOMEOWNER SAVINGS ESTIMATE
No commitment. No credit check. Just your numbers.
Why this matters
Makati is the Philippines' premier financial district, home to some of the most sought-after residential addresses in the country — from the high-rises of Salcedo and Legazpi Villages to the upscale condominiums along Ayala Avenue. Property values here are among the highest in Metro Manila, which means the home loans that come with them are substantial. If your mortgage is still locked in at the rate your bank offered you three or five years ago, there's a strong chance you're overpaying significantly every single month. Most Makati homeowners we speak to are carrying rates between 7.5% and 10%, when the best available refinance rate today is just 5.99% p.a. That gap translates directly into cash you could be keeping in your pocket. You can compare the best home loan rates in Makati for 2026 to see exactly where the market stands right now.
Nook is the Philippines' first digital mortgage broker, and our service is completely free for borrowers. We work with all the major Philippine banks — BDO, BPI, Metrobank, Security Bank, RCBC, UnionBank, and more — so instead of you calling each bank individually and comparing offers on a spreadsheet, we do the legwork for you. Our platform pulls together real, competitive offers based on your specific property, loan balance, and financial profile. For a typical Makati homeowner with a 3,000,000 peso loan balance, refinancing from 8.50% down to 5.99% can mean savings of over 4,500 pesos every month — that's more than 54,000 pesos back in your hands every year. If you also own or are considering a property in the broader BGC corridor, it's worth exploring options like refinancing a Two Serendra Red Oak unit in BGC, where similar savings opportunities exist.
The refinancing process can feel intimidating, especially if your last home loan application involved weeks of paperwork and multiple branch visits. Nook has changed that. You submit your details once through our secure online platform, and we handle the comparison, negotiation, and application coordination on your behalf. Most clients receive their first offer within a few business days. There are no hidden fees, no obligation to proceed, and no pressure — just clear, honest numbers that show you whether refinancing makes financial sense for your situation. If you're a Makati homeowner and you haven't reviewed your mortgage rate in the past two years, now is the time.
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
It depends on your current rate and outstanding balance, but the savings are often substantial. A Makati homeowner with a 3,000,000 peso loan refinancing from 8.50% to 5.99% on a 20-year term would save approximately 4,575 pesos per month — over 54,000 pesos a year. The higher your loan balance, the greater the potential savings.
Nook's mortgage broking service is 100% free for borrowers — we are paid by the bank when your loan is successfully placed, not by you. You will still need to budget for standard third-party costs such as notarial fees, registration fees, and a property appraisal, which are charged by the bank or government — but Nook's service itself costs you nothing.
Nook works with all major Philippine banks including BDO, BPI, Metrobank, Security Bank, RCBC, UnionBank, Chinabank, PNB, PSBank, EastWest Bank, and Robinsons Bank. We compare offers across these lenders simultaneously so you get the most competitive rate available for your Makati property without having to approach each bank yourself.
Yes, condominium units are eligible for refinancing and represent the most common property type we handle in Makati. Banks do have specific requirements around the age of the building, the developer, and the unit's title status, but the vast majority of Makati condos from reputable developers qualify without issue. Nook will confirm eligibility for your specific unit early in the process.
From application to loan release, refinancing typically takes between four and eight weeks, depending on the bank and how quickly documents are submitted. Nook helps you prepare a complete document package upfront to avoid back-and-forth delays, which is one of the most common reasons applications slow down. Our team will keep you updated at every step so there are no surprises.
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