If you took out your Asia United Bank home loan a few years ago, you could be paying up to 3% more than necessary. Nook can help you switch to a rate as low as 5.99% p.a. — for free.
AUB BORROWER ESTIMATED SAVINGS
No commitment. No credit check. Just your numbers.
Why this matters
Asia United Bank offers home loans to Filipino borrowers, but like most local banks, their fixed-rate periods eventually reprice — often landing you on a rate between 8% and 10% once the honeymoon period ends. If your AUB loan has already re-priced, or if you signed up when rates were higher, refinancing could be the single most impactful financial move you make this year. Nook works with multiple Philippine banks and lenders to find you a better deal, and our service is completely free to borrowers.
Switching from AUB doesn't have to be complicated. Nook handles the bank comparisons, paperwork coordination, and application process on your behalf. You'll need standard documents — your AUB loan statement, proof of income, and property title — and Nook's team will guide you through every step. To understand how AUB's rates compare to the broader market, take a look at current mortgage interest rates in the Philippines and see exactly where you stand today.
The savings on a 3,000,000 loan at 8.50% versus 5.99% add up fast — nearly 4,000 pesos back in your pocket every single month. Over the remaining life of a 20-year loan, that's well over 700,000 pesos in total interest saved. Whether your AUB loan is on a fixed or variable rate, it costs nothing to find out if you qualify for a lower rate through Nook.
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 locked into staying with Asia United Bank once your fixed-rate lock-in period has ended. Nook works with multiple Philippine banks that accept refinancing applications from existing AUB borrowers, allowing you to move your loan to whichever lender offers the best rate and terms for your situation.
Nook's service is 100% free to you as a borrower — we are compensated by the bank, not by you. You will still need to budget for standard third-party costs such as appraisal fees, notarial fees, and transfer taxes, which typically range from 30,000 to 80,000 pesos depending on your property value and location.
You'll generally need your most recent AUB loan statement of account, a copy of the Transfer Certificate of Title (TCT), proof of income (payslips or ITR for employed borrowers, financial statements for self-employed), and valid government-issued IDs. Nook will provide you with a complete personalised checklist once you submit your details.
The typical refinancing timeline in the Philippines runs between 45 and 90 days from application to loan release, depending on the receiving bank and how quickly documentation is completed. Nook actively follows up with the bank on your behalf to keep the process moving and minimise delays.
Yes — 5.99% p.a. is the best available rate currently accessible through Nook's lending panel, and AUB borrowers with good credit standing and sufficient equity in their property are eligible to apply. The final rate you receive will depend on your loan-to-value ratio, income profile, and chosen fixed-rate period, but many borrowers qualify for rates significantly below what AUB is currently charging them.
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