Homeowners in Surigao are still paying 8.50% or more on their home loans. Refinance through Nook and get rates as low as 5.99% p.a. — completely free to apply.
ESTIMATED MONTHLY SAVINGS
No commitment. No credit check. Just your numbers.
Why this matters
If you took out a home loan in Surigao City or anywhere in the Caraga region in the last five to ten years, there's a strong chance your current interest rate no longer reflects what's available in the market today. Many homeowners in Surigao are still locked into rates of 8% to 10% — rates that made sense at the time but can now be significantly reduced through refinancing. On a 3,000,000 loan with 20 years remaining, even dropping from 8.50% to 5.99% can save you over 4,500 pesos every single month.
Nook is the Philippines' first digital mortgage broker, and our service is 100% free to borrowers. We compare offers from leading banks — including BDO, BPI, Metrobank, Security Bank, RCBC, and more — so you don't have to visit multiple branches or decode complex fee schedules on your own. Whether your property is in Surigao City, Bislig, Tandag, or elsewhere in the province, Nook can help you find a better deal and handle the paperwork from start to finish. While most of our featured properties are in Metro Manila, the refinancing process works the same way nationwide — similar to how we help condo owners at Alveo High Park in BGC lower their interest rates, we can do the same for your Surigao home.
Getting started takes less than five minutes. Simply submit your details online, and a Nook mortgage specialist will reach out to walk you through your options. There are no hidden fees, no pressure, and no obligation — just a clearer picture of how much you could be saving every month for the rest of your loan term.
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, absolutely. Nook works with borrowers across the Philippines, including homeowners in Surigao City and the wider Caraga region. As long as your property has a clean title and your loan is in good standing, you are eligible to apply for refinancing regardless of location.
Savings depend on your current rate, outstanding balance, and remaining loan term. For a typical 3,000,000 loan at 8.50% with 20 years left, refinancing to 5.99% could save you around 4,544 pesos per month — that's over 54,000 pesos a year. Use Nook's free calculator to get a personalised estimate based on your actual loan details.
Nook compares offers from major Philippine banks including BDO, BPI, Metrobank, Security Bank, PNB, RCBC, UnionBank, Chinabank, EastWest Bank, and more. We identify the best available rate for your profile and loan amount so you don't have to shop around yourself.
The typical refinancing process in the Philippines takes four to eight weeks from application to loan release, depending on the bank and completeness of your documents. Nook guides you through every step and helps ensure your documents are in order to avoid unnecessary delays.
Yes, Nook's service is completely free for the borrower. Nook earns a referral fee from the bank when your loan is successfully processed, so there is no cost to you at any stage of the process — no application fee, no broker fee, and no hidden charges.
Check your exact savings in 60 seconds. It's free and takes no commitment.
Check My Savings Now →