Two Maridien owners are still paying rates as high as 8.50% p.a. — refinancing through Nook could bring that down to 5.99% p.a. and save you over 58,000 a year on your home loan.
TWO MARIDIEN OWNER SAVINGS ESTIMATE
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Why this matters
Two Maridien is one of BGC's most sought-after residential addresses — a premium Shang Properties development that commands strong market value and appeals to both owner-occupiers and investors. But owning a prestige condo doesn't mean you should be paying a prestige interest rate on your home loan. Many Two Maridien owners originally financed their unit through a bank's in-house developer financing or a standard variable-rate package, and those rates have quietly climbed — or simply never been revisited — leaving thousands of pesos on the table every single month.
Refinancing replaces your existing home loan with a new one at a lower interest rate, typically from a different bank competing for your business. Because BGC condos like Two Maridien hold their value well and are classified as high-quality collateral, lenders are often willing to offer their most competitive rates to borrowers in this development. Nook compares offers from across the Philippine banking market — including BDO, BPI, Security Bank, RCBC, and more — so you're not stuck negotiating with just one lender. If you want to understand how the process works from start to finish, our step-by-step guide to refinancing your housing loan in the Philippines walks you through exactly what to expect.
Nook's service is completely free for borrowers. We're paid by the bank when your loan is approved, which means our incentive is to find you the best possible deal — not the most convenient one for us. Whether your remaining balance is 2 million or 6 million pesos, the math on refinancing a Two Maridien unit almost always works in your favour if you're currently paying above 7.50%. Run your numbers, see your savings, and let Nook do the legwork.
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
This is a common situation for buyers of pre-selling or recently turned-over units where the condominium certificate of title (CCT) is still being processed. Most banks require the CCT to be in your name before they will approve a refinance. If your title is still pending, Nook can advise you on realistic timelines and help you prepare your documents so you're ready to refinance the moment the CCT is released.
The best refinance rate currently available through Nook is 5.99% p.a., and well-qualified borrowers with strong income documentation and a clean credit history have a good chance of securing rates in that range. BGC properties are considered premium collateral, which works in your favour during credit assessment. The exact rate you're offered will depend on your loan-to-value ratio, income, and which bank you're matched with.
The general rule of thumb is that refinancing makes sense if your new rate is at least 1.5 percentage points lower than your current rate and you plan to stay in the property long enough to recoup the closing costs — typically 1 to 2 years. For a 3,000,000-peso loan balance, dropping from 8.50% to 5.99% saves over 4,500 pesos a month, meaning you'd recover standard refinancing costs within roughly 12 to 18 months.
Most major Philippine banks are comfortable refinancing condominium units in BGC, including BDO, BPI, Security Bank, RCBC, Metrobank, and UnionBank. Each bank has different rate structures, fixing periods, and documentary requirements. Rather than approaching them one by one, Nook submits your profile to multiple lenders simultaneously so you can compare real offers side by side — similar to how you might compare BDO and BPI home loan rates before deciding.
From initial application to loan release, refinancing typically takes between 4 and 8 weeks depending on the bank, the completeness of your documents, and how quickly the property appraisal is scheduled. Nook manages the coordination with the bank on your behalf, which significantly reduces the back-and-forth that slows most applications down. We'll keep you updated at every stage so there are no surprises.
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