Most AUB borrowers are paying 7.50% or more on their home loan — use Nook to calculate your real monthly payment and discover how much you could save by refinancing to as low as 5.99% p.a.
ESTIMATED MONTHLY SAVINGS
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Why this matters
Asia United Bank (AUB) offers home loans to Filipino borrowers, but like most Philippine banks, their rates are repriced periodically — meaning the rate you signed up with years ago may no longer be competitive. If you took out your AUB home loan two or more years ago, there's a strong chance you're now paying well above the current mortgage interest rates available in the Philippines. Even a difference of 1–2 percentage points can translate to hundreds of thousands of pesos in extra interest over the life of your loan.
Nook's home loan calculator lets you estimate your current monthly payment based on your outstanding balance, remaining term, and interest rate — then instantly compares it against the best refinance rates available today. If your AUB loan balance is around 3,000,000 with 20 years remaining, refinancing from 7.50% to 5.99% could reduce your monthly payment by over 1,200 pesos and save you more than 216,000 pesos in total interest. That's real money back in your pocket, at zero cost to you — Nook's service is completely free for borrowers.
Refinancing your AUB home loan through Nook is straightforward: we compare offers from over a dozen Philippine banks, handle the paperwork, and negotiate on your behalf. Whether you're looking at BPI's housing loan requirements or exploring other lenders, Nook gives you a clear, unbiased comparison so you can make the smartest financial decision for your family — without the legwork.
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
Your monthly payment depends on your outstanding balance, your current interest rate, and your remaining loan term. Use Nook's free calculator above — just enter those three numbers and it will show your exact monthly amortisation, total interest payable, and how it compares to the best rates available today.
Yes, you can refinance your AUB home loan with any participating bank in the Philippines — and in many cases, switching to a lower-rate lender is the fastest way to reduce your monthly payments. Nook compares offers from BDO, BPI, Security Bank, Metrobank, RCBC, and more, so you can find the best deal without approaching each bank individually.
The best refinance rate currently available through Nook is 5.99% p.a., which is significantly lower than the 7–10% range most Filipino homeowners are currently paying. Rates vary by bank, loan amount, and borrower profile, so Nook will match you with the best offer for your specific situation at no cost.
The refinancing process in the Philippines typically takes 4 to 8 weeks from application to loan release, depending on the receiving bank and how quickly documents are submitted. Nook guides you through every step and coordinates with the bank on your behalf to keep the process as smooth and fast as possible.
No — Nook's service is 100% free for borrowers. Nook is compensated by the banks, not by you, so you get expert mortgage advice, full bank comparison, and end-to-end application support without paying a single peso in broker fees.
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