If you bought at Viceroy Residences McKinley Hill, there's a good chance your current home loan rate is costing you far more than it should. Refinancing through Nook could save you over 58,000 pesos every year — at zero cost to you.
VICEROY RESIDENCES REFINANCE SAVINGS
No commitment. No credit check. Just your numbers.
Why this matters
Viceroy Residences at McKinley Hill is one of Fort Bonifacio's most sought-after condominium addresses — a master-planned community known for its European-inspired streetscapes, generous unit sizes, and proximity to major business districts. Many Viceroy owners financed their units through developer-arranged financing or a bank loan locked in several years ago, often at rates between 8% and 10%. What made sense at the time of purchase may no longer be the best deal available today, especially with refinance rates now as low as 5.99% per annum through Nook.
Refinancing your Viceroy Residences home loan means replacing your existing mortgage with a new one at a lower interest rate, reducing your monthly amortisation and freeing up cash for other priorities. Whether you're managing a single unit or multiple properties across BGC and Taguig, the math can be compelling — a 5,000,000 peso outstanding balance at 8.50% costs tens of thousands more per year than the same loan at 5.99%. If you're also exploring options at nearby developments, you may find our guide on Arya Residences BGC refinancing useful as a comparison point for Fort Bonifacio condo loan takeouts.
Nook is the Philippines' first digital mortgage broker, and our service is completely free for borrowers. We work with leading Philippine banks — including BDO, BPI, Metrobank, Security Bank, RCBC, and more — to find the most competitive refinance offer for your specific loan profile. There are no broker fees, no hidden charges, and no obligation to proceed. You simply share your loan details, and Nook does the legwork of comparing lenders on your behalf. If you own a condo in a premium Taguig address like Viceroy, you're likely in a strong position to qualify for the best available rates in the market today.
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. Many Viceroy owners originally took in-house financing through the developer or a bank partner, and you can refinance that loan with any accredited bank once your unit's title and mortgage documents are in order. Nook will help you assess your eligibility and identify the best bank to take out your existing loan. The process is fully digital and typically takes two to four weeks from application to approval.
Through Nook, the best available refinance rate is currently 5.99% per annum, which is significantly lower than the 8% to 10% rates many condo owners are still paying. Your actual rate will depend on factors like your outstanding balance, loan term, and the bank's assessment of your income and credit profile. Nook compares multiple lenders simultaneously to make sure you get the most competitive offer available.
On a 5,000,000 peso loan at 8.50%, moving to 5.99% over a 20-year term could reduce your monthly payment by over 6,000 pesos — that's more than 76,000 pesos saved in the first year alone. Over the full remaining loan term, total interest savings can exceed one million pesos. Every loan situation is different, so Nook provides a personalised savings estimate based on your actual outstanding balance and remaining term.
Yes, Nook charges absolutely nothing to the borrower. Nook is compensated by the bank that ultimately provides your new loan, similar to how an insurance broker earns a commission from the insurer rather than the policyholder. You get expert guidance, bank comparisons, and full application support at zero cost, with no obligation to proceed unless you're happy with the offer.
To get started, you'll typically need your most recent Statement of Account from your current lender, a copy of the Transfer Certificate of Title (TCT) or Condominium Certificate of Title (CCT), proof of income such as payslips or ITR, and valid government-issued IDs. Nook will guide you through the full document checklist once you submit your initial details online. If you've already explored refinancing for other properties — for example, checking savings on a Columns Legazpi Village unit in Makati — the process and requirements are largely the same.
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