Thousands of Filipino homeowners are still paying 7.5% or higher on their AUB home loans — Nook can help you refinance to as low as 5.99% p.a. for free.
ESTIMATED MONTHLY SAVINGS
No commitment. No credit check. Just your numbers.
Why this matters
Asia United Bank (AUB) offers home loans to Filipino buyers and property investors, but like most Philippine banks, the interest rate you locked in at the start of your loan may no longer be competitive. AUB reprices its fixed-rate periods every one to three years, meaning your rate can climb significantly over time — and many borrowers don't realise how much they're overpaying until they compare. If you're currently on a rate of 7.5% or above, refinancing through Nook could save you over 4,800 pesos every single month on a 3,000,000-peso loan. You can check current mortgage interest rates in the Philippines to see exactly how your AUB rate stacks up against the market today.
Refinancing your AUB home loan means transferring your outstanding balance to a new lender offering a lower interest rate and better terms. Nook works with all major Philippine banks — including BDO, BPI, Security Bank, Metrobank, RCBC, and more — to find you the best available rate for your property and financial profile. The entire Nook service is completely free for borrowers; we are compensated by the bank you choose, never by you. There are no hidden fees, no obligations, and no pressure. You simply share your loan details, and Nook handles the comparison, paperwork, and bank coordination on your behalf.
The refinancing process in the Philippines typically takes four to eight weeks from application to approval, and most borrowers find the switch straightforward with the right support. To qualify, you generally need at least one year of on-time payments on your existing AUB loan, a property in good standing, and a stable income. If you're exploring which bank to refinance into, it's worth reviewing what each lender requires — for example, you can read about BPI housing loan requirements to understand a typical set of criteria. Nook's advisors will walk you through every step so you know exactly what to prepare before submitting anything.
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 can transfer your AUB home loan balance to any participating bank offering better rates. This is called a loan takeout or balance transfer refinance, and it is a standard, legal process in the Philippines. Nook helps you compare offers from multiple banks and manages the transfer process at no cost to you.
Savings depend on your outstanding balance, remaining term, and the rate difference between AUB and your new lender. On a 3,000,000-peso loan at 7.5%, switching to 5.99% p.a. saves approximately 4,850 pesos per month — that's over 58,000 pesos a year and nearly 873,000 pesos over a 15-year remaining term. Use Nook's free calculator to get a personalised estimate for your specific loan.
AUB may charge a prepayment or early settlement fee if you refinance during a fixed-rate lock-in period, which is typically one to three years from your last repricing date. It's important to check your loan agreement or contact AUB directly to confirm any applicable charges before proceeding. In most cases, the monthly savings from refinancing still outweigh any one-time exit fee within the first year.
The full refinancing process — from submitting documents to receiving your new bank's approval and completing the title transfer — generally takes four to eight weeks in the Philippines. The timeline varies depending on your chosen receiving bank, how quickly you can gather documents, and the complexity of your property. Nook keeps the process moving by coordinating directly with your new lender on your behalf.
You'll typically need a copy of your AUB loan statement, your property's Transfer Certificate of Title (TCT), your latest Income Tax Return (ITR) or payslips, a valid government-issued ID, and the most recent tax declaration and receipts for your property. Requirements vary slightly between receiving banks, but Nook will give you a complete, customised checklist once you start your application. Having these documents ready in advance can significantly speed up your approval.
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