Two Serendra Sequoia owners in BGC are refinancing to rates as low as 5.99% p.a. — potentially saving over 58,000 a year on their home loan.
SEQUOIA UNIT ESTIMATED SAVINGS
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Why this matters
Two Serendra Sequoia is one of the most sought-after addresses in Bonifacio Global City — a master-planned development by Ayala Land that commands strong property values and a premium lifestyle. But owning a prestigious unit doesn't mean you have to pay a premium interest rate. Many Sequoia owners locked in their home loans years ago at rates between 8% and 10%, and those loans have been quietly draining hundreds of thousands of pesos in unnecessary interest ever since. Refinancing through Nook lets you replace your current loan with a lower rate — potentially as low as 5.99% p.a. — without paying broker fees or commissions.
Nook compares offers from the Philippines' leading banks, including BDO, BPI, Metrobank, Security Bank, and RCBC, to find the refinance deal that fits your specific loan balance, remaining term, and income profile. For a typical Sequoia unit with a remaining loan balance of around 3,000,000 and 20 years left on the term, switching from 8.50% to 5.99% could reduce your monthly amortisation by more than 4,600 — that's real money back in your pocket every single month. If you own a unit in another premium BGC development, you can also explore options through our Arya Residences BGC refinance page to compare your potential savings.
The refinancing process in the Philippines can feel daunting — multiple bank visits, mountains of paperwork, and confusing repricing terms. Nook simplifies everything by acting as your digital mortgage broker, guiding you from application to approval entirely online. You submit your documents once, and Nook handles the rest. There's no obligation to proceed, and our service is completely free for borrowers. Whether your loan is with a private bank or a government fund, it's worth taking five minutes to find out how much you could be saving every month on your Sequoia home loan.
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
Refinancing during a lock-in period typically triggers a prepayment penalty from your current bank, usually 1–3% of the outstanding loan balance. Nook will help you calculate whether the long-term savings from a lower rate outweigh that one-time penalty — in many cases, they do. It's worth checking your loan documents or asking your current bank for the exact terms before you decide.
Most major Philippine banks accept BGC condominium units as collateral for refinancing, including BDO, BPI, Metrobank, Security Bank, RCBC, and UnionBank. The best offer will depend on your outstanding balance, income, and credit profile. Nook compares multiple lenders simultaneously so you can see your actual options without approaching each bank separately.
Nook's service is completely free for borrowers — there are no broker fees or commissions charged to you at any stage. The new bank you refinance with covers the cost of Nook's service. You will, however, need to budget for standard third-party refinancing costs such as appraisal fees, notarial fees, and transfer taxes, which typically range from 1–2% of the loan amount.
You'll generally need government-issued ID, proof of income (payslips or ITR for the past two years), your latest Statement of Account from your current lender, the Transfer Certificate of Title (TCT) or Condominium Certificate of Title (CCT), and a copy of your loan mortgage. Nook provides a complete checklist and guides you through the submission process so nothing gets missed.
The typical refinancing timeline in the Philippines is 4–8 weeks from application to loan release, depending on the bank and the completeness of your documents. BGC condominiums with clean titles and straightforward income profiles tend to process faster. Nook tracks your application and follows up with the bank on your behalf to keep things moving as quickly as possible.
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