If you have an Asia United Bank home loan, you could be paying a higher rate than necessary. Nook compares AUB against 14+ lenders to find you a better deal — completely free.
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Why this matters
Asia United Bank (AUB) is a reputable Philippine commercial bank offering home loan products with competitive features. However, like most Philippine banks, AUB reprices its home loan interest rates periodically — and many borrowers who took out their loan several years ago are now stuck on rates between 8% and 9.5%, well above what the market currently offers. If your AUB home loan is more than two years old and you haven't reviewed your rate recently, there's a good chance you're leaving significant money on the table every month. You can check current mortgage interest rates in the Philippines to see how AUB compares to the broader market right now.
Refinancing your AUB home loan means switching to a new lender — or renegotiating your terms — to take advantage of lower rates available today. The best refinance rate currently accessible through Nook is 5.99% p.a., which on a 3,000,000-peso loan with 20 years remaining could save you over 3,000 pesos every single month. That's more than 550,000 pesos in total interest savings over the life of your loan. Nook handles the entire comparison and application process on your behalf, working with 14+ banks including BDO, BPI, Security Bank, RCBC, and more. If you're also curious how AUB stacks up against other lenders on documentation, you might find our BPI housing loan requirements guide a useful benchmark for what Philippine banks typically ask for.
The good news is that refinancing in the Philippines has become significantly more accessible. Most homeowners qualify if they have at least 12–24 months of clean payment history, a property with sufficient equity, and a stable income. Nook's service costs you nothing — we are compensated by the bank that wins your business, not by you. Our advisors will assess your current AUB loan, identify the best alternative offers available, and guide you through every step of the switch. 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
AUB's home loan rates in 2026 typically range from around 7.5% to 9.5% per annum depending on the fixing period and your loan profile. Rates are usually fixed for an initial period of 1, 2, 3, or 5 years before repricing. Nook can show you how AUB's current offer compares to rates from 14+ other Philippine banks so you can make an informed decision.
Yes, you can refinance your AUB home loan to any accredited Philippine bank or financial institution. The process involves the new lender paying off your remaining AUB balance and issuing you a fresh loan at a lower rate. Nook manages this entire process for you at no cost, handling the paperwork, bank negotiations, and coordination with both AUB and your new lender.
Most Philippine banks require at least 12 to 24 months of on-time payment history on your existing loan, a clean credit record, proof of stable income, and a property appraisal showing sufficient equity. Standard documents include government-issued ID, income documents such as payslips or ITR, your latest Statement of Account from AUB, and the title or condominium certificate of title for the property. Nook will give you a personalised checklist based on your situation and the lender you're applying to.
Your savings depend on your outstanding balance, remaining term, and the rate difference between your current AUB loan and your new lender's offer. On a 3,000,000-peso loan at 8.50% refinanced to 5.99% over 20 years, you could save around 3,069 pesos per month and over 552,000 pesos in total interest. Use Nook's free calculator to get an estimate based on your actual loan details.
AUB, like most Philippine banks, may charge a pre-termination or early repayment fee if you refinance during a fixed-rate lock-in period — typically within the first 2 to 5 years of your loan or fixed-rate term. It's important to check your loan agreement for the exact penalty amount, as this will affect your net savings calculation. In many cases, the monthly savings from a lower rate outweigh the one-time penalty within 12 to 24 months, making refinancing still worthwhile.
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