Plug in your loan details and instantly see your monthly payment — then find out if refinancing could save you thousands every year. Nook compares AUB against the best rates in the market, completely free.
YOUR POTENTIAL MONTHLY SAVINGS
No commitment. No credit check. Just your numbers.
Why this matters
AUB (Asia United Bank) offers competitive home loan products, but like most Philippine banks, their interest rates are reviewed and repriced periodically — often every 1, 3, or 5 years. If you took out your AUB home loan a few years ago, there's a strong chance your current rate is sitting somewhere between 8% and 10%, especially if it has already been repriced upward since you first signed. That gap between your existing rate and the best mortgage rates available in the Philippines today could translate to a significant monthly overpayment you don't have to accept.
Refinancing means moving your outstanding home loan balance to a new lender offering a lower rate. For a ₱3,000,000 loan with 20 years remaining, dropping from 8.50% to 5.99% reduces your monthly amortisation by roughly ₱3,828 — that's over ₱45,000 back in your pocket every year. Over the remaining life of the loan, the total interest savings can exceed ₱680,000. Nook works with BDO, BPI, Metrobank, Security Bank, RCBC, and other major Philippine lenders to find you the lowest rate you actually qualify for. If you're also comparing other banks, our guides on BPI housing loan requirements and RCBC are useful starting points.
The best part: Nook's service costs you nothing. There are no broker fees, no hidden charges, and no obligation to proceed. You submit your details once, Nook handles the legwork across multiple banks, and you choose the offer that makes the most sense for your financial situation. Most homeowners who refinance through Nook complete the process in 4–6 weeks from first inquiry to loan release.
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
The calculator uses standard amortisation formulas based on the loan amount, interest rate, and remaining term you enter. It gives you a reliable estimate of your monthly payment, though your actual AUB statement may differ slightly depending on how AUB applies interest within billing cycles or any fees included in your loan. For an exact figure, always refer to your latest AUB loan statement.
AUB's advertised home loan rates typically start around 7–8% per annum for initial fixed periods of 1 to 5 years, though your repriced rate may be higher depending on when your loan was last reviewed. Rates change regularly, so it's worth checking directly with AUB or using Nook to compare AUB's rate against what other banks are currently offering.
Yes, absolutely. Refinancing your AUB home loan to another bank is a straightforward process and is completely legal. Nook specialises in exactly this — comparing lenders and helping you move your outstanding balance to whichever bank offers the lowest qualifying rate. The new bank pays off your AUB loan, and you start fresh with lower monthly repayments.
AUB, like most Philippine banks, may charge a pre-termination fee if you settle your loan within a fixed-rate lock-in period — typically 1 to 3 years. Once you're past that lock-in window, fees are usually minimal or waived entirely. Nook's advisors can help you calculate whether any pre-termination cost is worth paying given the long-term savings from refinancing.
Nook's service is 100% free for borrowers. Nook earns a referral fee from the bank you ultimately choose, so there is no charge to you at any stage — not for the comparison, not for the application assistance, and not for the advice. Standard bank processing fees and documentary stamp taxes will still apply as part of the new loan, but these are typically recovered within a few months of your interest savings.
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