Many Robinsons Bank home loan borrowers are paying 8.50% or higher — refinancing through Nook could bring your rate down to 5.99% p.a. and save you thousands every year.
ESTIMATED MONTHLY SAVINGS
No commitment. No credit check. Just your numbers.
Why this matters
Robinsons Bank offers home loans to Filipino borrowers, but like most banks, their standard interest rates — typically ranging from 7% to 10% depending on your fixing period and loan profile — can leave you paying significantly more than necessary over the life of your mortgage. If you took out your loan a few years ago or your fixed-rate period has recently repriced, there's a good chance you're now on a rate that no longer reflects the most competitive options available in the market. It's worth noting that the rates shown here are approximate, based on publicly available information, and are subject to change — always verify the current rate on your loan statement or by contacting Robinsons Bank directly.
Refinancing — or doing a housing loan takeout from Robinsons Bank — means transferring your existing mortgage to a new lender offering better terms. Through Nook, the Philippines' first digital mortgage broker, you can compare verified rates from multiple partner banks in one place and potentially lock in a rate as low as 5.99% p.a. On a 3,000,000 peso loan with 20 years remaining, that difference can translate to over 4,500 pesos back in your pocket every single month. Nook's service is completely free to borrowers — the bank pays the broker fee, not you.
The process is simpler than most homeowners expect. Nook handles the paperwork, coordinates with your new lender, and guides you through every step of the transfer. Lowering your monthly payments on a Robinsons Bank home loan doesn't require you to start from scratch — you keep your property, your home, and your equity. You simply move your loan to a lender with a better rate. If your current Robinsons Bank rate feels higher than it should be, now is a good time to find out what you could actually be paying.
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, you can transfer or refinance your Robinsons Bank home loan to another bank through a process called a loan takeout or housing loan refinancing. Most banks and lenders allow this as long as you meet their credit and property requirements. Nook can help you compare options from multiple partner banks to find the best available rate for your situation.
Through Nook's partner banks, the best available refinance rate is currently 5.99% p.a. The rate you qualify for will depend on your loan amount, remaining term, property type, and credit profile. Rates are subject to change, so it's best to get a personalised quote to see exactly what you're eligible for.
Nook's mortgage broker service is 100% free to borrowers — the bank pays the broker fee on your behalf. There are standard third-party fees involved in any refinancing, such as notarial fees, registration fees, and appraisal costs, which typically range from 30,000 to 60,000 pesos depending on your loan and property. Your Nook advisor will walk you through the full cost picture so you can assess whether refinancing makes financial sense for you.
The typical refinancing timeline in the Philippines is 30 to 60 banking days from application to loan release, though this can vary depending on the lender and completeness of your documents. Nook helps streamline the process by guiding you on exactly what documents are needed and following up with the bank on your behalf. Starting your application early gives you the best chance of a smooth, timely transfer.
The rates shown on this page are approximate figures based on publicly available information and typical market ranges — they are not official rates from Robinsons Bank and are subject to change at any time. For your exact current rate, check your most recent billing statement or contact Robinsons Bank directly. To see the verified rates available through Nook's partner banks, submit an inquiry and a Nook advisor will provide a personalised comparison.
Check your exact savings in 60 seconds. It's free and takes no commitment.
Check My Savings Now →