If you bought at Two Maridien BGC, you may be paying 2–4% more than you need to. Nook compares top Philippine banks to find you a lower rate — and it costs you nothing.
TWO MARIDIEN OWNER SAVINGS ESTIMATE
No commitment. No credit check. Just your numbers.
Why this matters
Two Maridien is one of BGC's most sought-after addresses — a luxury high-rise that commands premium prices in one of Metro Manila's fastest-growing CBDs. If you financed your unit a few years ago, there's a strong chance your bank's repriced interest rate is now sitting somewhere between 8% and 10%. That's a significant spread compared to the 5.99% p.a. currently available through Nook — and on a loan of six million pesos or more, that gap translates into real money every single month.
Refinancing a BGC condo like Two Maridien works the same way as refinancing any home loan in the Philippines: Nook submits your profile to multiple banks — BDO, BPI, Metrobank, Security Bank, RCBC, and others — so they compete for your business. You get to compare actual offers side by side, choose the best deal, and switch without paying broker fees. It's the same process we use for Arya Residences BGC condo refinancing and Verve Residences BGC mortgage refinancing — and it consistently uncovers savings that borrowers didn't know were available to them.
The typical Two Maridien refinance takes four to eight weeks from application to release, and the savings start from your very first new monthly payment. If your current loan still has 15 or more years to run, the lifetime interest savings can easily exceed one million pesos. Nook's team handles the paperwork, coordinates with banks on your behalf, and keeps you updated every step of the way — all at zero cost to you.
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. You can refinance away from any bank, including BDO, BPI, or Metrobank, to a lender offering a better rate. Nook submits your application to multiple banks simultaneously so you receive competing offers, giving you the leverage to choose the most competitive deal rather than accepting whatever your current bank offers on repricing.
The core documents are your latest Statement of Account from your current bank, a copy of your Condominium Certificate of Title (CCT), proof of income (payslips and ITR for employees, or audited financials for the self-employed), and a valid government-issued ID. Nook will guide you through the full checklist once you submit your details, as requirements can vary slightly between banks.
Nook's service is completely free for borrowers. There are standard third-party costs involved in any refinance — such as appraisal fees, notarial fees, and mortgage registration — but you pay no broker or advisory fee to Nook. These one-time costs are typically recovered within your first few months of lower monthly payments.
Most banks will still refinance an owner-financed condo even if it is currently leased out, though some lenders may treat it as an investment property and apply slightly different underwriting criteria. Your rental income may actually be considered as part of your qualifying income, which can strengthen your application. Nook's team can advise which banks are most flexible for owner-investors.
The best time is generally when your current loan is approaching a repricing date, since some banks impose a lock-in period during which early settlement charges apply. However, even if you are mid-lock-in, the interest savings from switching to a significantly lower rate can outweigh any exit penalty — especially on larger BGC loan balances. Nook can model both scenarios so you can make an informed decision.
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