Homeowners with an Asia United Bank home loan could save over 58,200 per year by refinancing to a lower rate through Nook — completely free.
YOUR POTENTIAL SAVINGS
No commitment. No credit check. Just your numbers.
Why this matters
Asia United Bank (AUB) is a reputable Philippine commercial bank offering home loan products to both salaried employees and self-employed borrowers. However, many AUB mortgage holders find themselves locked into rates of 8% or higher after their initial fixing period ends — rates that can quietly drain tens of thousands of pesos from your budget every single year. If you haven't reviewed your home loan in the last two to three years, there's a strong chance you're overpaying.
Refinancing your AUB home loan means replacing your existing mortgage with a new one at a significantly lower interest rate, either with AUB itself or with another lender offering better terms. Through Nook, the Philippines' first digital mortgage broker, you can compare current mortgage interest rates across Philippine banks in one place and find out exactly how much you could save — without paying a single centavo in broker fees. Nook's service is 100% free to borrowers.
On a 3,000,000 loan with 20 years remaining, switching from a typical AUB rate of 8.50% to Nook's best available rate of 5.99% could cut your monthly payment by over 3,000 pesos. That's real money back in your pocket every month — money you could redirect toward your family, your savings, or paying off your loan faster. Getting started takes less than five minutes online.
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, you are not required to stay with AUB when refinancing. You can move your mortgage to any accredited bank or lender that offers better rates and terms. Nook compares multiple Philippine lenders simultaneously so you can identify the best deal without having to approach each bank individually.
The lowest refinancing rate currently available through Nook is 5.99% per annum. This is significantly below the 7% to 10% range that many existing AUB borrowers are paying. Your actual rate will depend on your loan amount, remaining term, property value, and credit profile.
Nook's brokerage service is completely free for borrowers — there are no broker fees, consultation charges, or hidden costs. Nook earns a commission from the lending bank, not from you. You may still encounter standard bank processing fees and notarial costs when the new loan is established, which Nook will walk you through transparently.
Typical requirements include valid government-issued IDs, proof of income (payslips or ITR for the last two years), your existing loan statement from AUB, and property documents such as the Transfer Certificate of Title and tax declaration. If you are considering other lenders, you may find the BPI housing loan requirements guide useful as a reference for what most Philippine banks will ask for.
The refinancing process in the Philippines typically takes four to eight weeks from application to loan release, depending on the lender and how quickly documents are submitted and verified. Nook helps streamline this by guiding you through each step and following up with the bank on your behalf so the process moves as smoothly as possible.
Check your exact savings in 60 seconds. It's free and takes no commitment.
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