Homeowners refinancing to Asia United Bank are locking in rates as low as 5.99% p.a. — potentially saving thousands every month compared to older loans sitting at 8.50% or higher.
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Why this matters
Asia United Bank has quietly built a reputation as one of the more competitive refinancing destinations in the Philippines, offering flexible repayment terms and straightforward approval processes that appeal to working professionals and OFW homeowners alike. If your current home loan was taken out two or more years ago — whether with a major bank or a developer in-house financing scheme — there's a good chance you're paying a rate well above what AUB can offer today. That gap between what you're paying and what's available now is money leaving your pocket every single month.
Refinancing to AUB through Nook means you don't have to navigate the paperwork maze alone. Nook is the Philippines' first digital mortgage broker, and our service is completely free to borrowers. We compare AUB's current rates alongside other leading Philippine banks so you can be confident you're making the right move — not just a lateral one. You can check current mortgage interest rates across Philippine banks to see exactly how AUB stacks up before you decide anything.
The refinancing process typically takes four to eight weeks from application to loan release, and Nook's specialists guide you through every document requirement, bank submission, and follow-up along the way. Whether your current loan is with BDO, Metrobank, Security Bank, Pag-IBIG, or even another mid-sized bank, switching to AUB is more straightforward than most homeowners expect. The savings on a ₱3,000,000 loan can easily exceed ₱800,000 over the life of the loan — that's money better spent on your family, your business, or paying down your principal faster.
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
AUB is a BSP-supervised universal bank with a growing presence in the home lending market, known for competitive rates and a relatively smooth approval process. They are particularly appealing to salaried professionals, self-employed borrowers, and OFWs looking for a reputable alternative to the biggest Philippine banks. Nook can confirm whether AUB's current offering is the best fit for your specific loan size and profile.
The best refinance rate currently available through Nook is 5.99% p.a., though the exact rate AUB offers you will depend on your loan amount, remaining term, and credit profile. Most homeowners refinancing through Nook are coming from rates of 7.50% to 10% or higher, so even a moderate reduction can translate to significant monthly savings. Getting a personalised rate comparison through Nook is free and takes only a few minutes.
You'll typically need government-issued ID, proof of income (payslips, ITR, or business documents for the self-employed), a copy of your existing loan statement or amortisation schedule, and property documents such as the TCT or CCT and tax declaration. AUB may also require a property appraisal, which Nook can help coordinate. If you're coming from another bank, it helps to review a guide like the BPI housing loan requirements checklist to understand what a standard Philippine bank expects.
The refinancing process in the Philippines generally takes between four and eight weeks, covering document submission, credit evaluation, property appraisal, and loan release. AUB's turnaround can vary depending on the completeness of your documents and the complexity of your property title. Nook's team actively follows up with the bank on your behalf to keep the process moving as quickly as possible.
No — Nook's service is 100% free to borrowers. Nook earns a referral fee from the bank when a loan is successfully processed, so there is no cost to you at any stage of the application. You get expert guidance, rate comparisons across multiple Philippine banks, and hands-on support through closing, all at zero cost.
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