You Could Pay Less Each Month
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less every month
See how much you could save by refinancing. Compare your current home loan with other options on Estra.
Potential savings depend on your loan, rates and refinancing costs.
Compare with confidence
See how your current loan compares before deciding what to do next.
Estimate Your Potential Savings
Enter a few details to estimate how much less you could pay each month and in interest.
Use the details from your latest home loan statement.
Your Potential Savings
Estimate based on the details you entered
You Could Pay Less Each Month
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less every month
You Could Save on Interest
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over the life of the new loan
Change the loan details to see an estimate.
Monthly Payment
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Total Interest Left to Pay
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This is only an estimate. Your actual payments, interest, fees and whether you qualify will depend on the bank and your situation. The estimate assumes regular principal-and-interest payments and that the entered rates remain unchanged for the selected periods.
How Refinancing Works
We help you understand your options, compare the real costs and move to a home loan that better supports your family.
Share a few details about your current loan and financial situation.
Understand repayments, rates, fees and total interest across suitable bank offers.
We guide you through the application and refinancing process.
The Bigger Picture
More Money for the Life You’re Building
What Refinancing Could Unlock
The right refinancing option could help you keep more of your money, reduce your repayments and reach your property goals sooner.
Compare My Home Loan OptionsCreate more breathing room in your monthly budget.
Keep more of your money over the life of your loan.
Potentially finish paying for your home years earlier.
Build towards your next property goal sooner.
Know When to Compare
Check the common signs that may make your current home loan worth reviewing.
If any of these situations sound familiar, it may be worth checking whether another home loan could better support your budget and property goals.
Your interest rate is higher than when you first took out your home loan.
Your monthly repayment is taking up more of your household budget than you would like.
You still have several years remaining, giving potential savings more time to add up.
It has been a while since you checked how your current loan compares with other options.
You want to reduce the years remaining and potentially keep more of your money.
You are preparing to upgrade, invest or work towards another property goal.
Don’t Let a Low Rate Fool You
The smallest advertised rate does not always mean the smallest total cost. A longer loan, higher fees or the wrong repayment structure could cost you far more over time.
Estra helps you compare the complete loan, not just one attractive number.
See what each option could mean for your monthly budget.
Understand how much interest you could pay over the full loan.
Compare how many years you could be making repayments.
Factor in important costs beyond the advertised interest rate.
See when a fixed or discounted rate may end or change.
Find an option that better supports what you want to achieve next.
Refinancing Guides
Practical guides to help you understand your options, avoid costly mistakes and make a more confident decision.
Refinancing
The numbers to check before you decide.
Read Article
Refinancing
Every fee Filipino homeowners should budget for.
Read ArticleFrequently Asked Questions
Get quick answers to the most common questions about home loan refinancing with Estra.
Refinancing means replacing your existing home loan with a new one, usually from a different bank, often for a lower rate or different terms. Whether it is worth it depends on your current rate, remaining balance and term, and the cost of switching. Estra shows an estimate and a break-even point so you can see how long it may take to recover those costs. These are estimates until the bank confirms them.
It depends on your current rate, balance, remaining term, fixing period and switching costs, so we can’t give a figure here. Complete the online application and Estra can show an estimated saving and break-even point for your situation. Without your current bank’s details, only rough estimates are possible, and the bank confirms the real numbers.
Yes. Costs can include a processing fee, a property appraisal fee and legal fees, and your current bank may charge an exit or early repayment fee. Amounts vary by bank. Estra’s refinancing results include estimated switching costs, so you can see them before you decide.
It depends on the bank, the property valuation and how quickly your documents are complete. The bank can give you an estimated timeline once you apply.
The bank sets a new rate for the rest of your loan, which may be higher or lower. Check your loan agreement for how your bank does this. You may be able to refinance with another bank, depending on fees and the bank’s approval.
You enter your details in the online application, and Estra compares refinancing options from our partner banks. Estra shows estimated savings, switching costs and a break-even point, ranked by the goal you choose. You compare everything in one place and decide for yourself.
Comparing loans and applying through Estra is free, and you are never obliged to apply. If your loan is approved and settled, Estra may receive referral compensation from the bank. The bank pays it, not you, and it is not part of how loans are ranked.
No. Estra is a loan facilitation platform operated by Estra Financial Consultancy Service (DTI No. 5980911). We do not lend money, approve loans or give personal financial advice. The banks we compare are regulated lenders and make their own lending decisions.
Ready to Compare?
Compare home loans based on what matters most to you, not just the advertised rate.
Estra is a loan facilitation platform, not a bank or lender. Results are estimates only. Banks make all approval and lending decisions. Estra may receive referral compensation from partner banks.