Most AUB borrowers are paying rates between 8% and 9.5% per annum. Use Nook's free calculator to see your actual monthly payment — then find out how much you could save by refinancing to as low as 5.99% p.a.
ESTIMATED MONTHLY SAVINGS
No commitment. No credit check. Just your numbers.
Why this matters
Asia United Bank (AUB) offers home loans that are popular among self-employed borrowers and small business owners, thanks to the bank's flexible documentation requirements. However, like many mid-tier Philippine banks, AUB's repricing rates — what your interest rate resets to after your fixed period ends — can climb significantly, often landing between 8% and 9.5% per annum. If you took out your AUB home loan more than two or three years ago and haven't reviewed your rate since, there's a strong chance you're overpaying by thousands of pesos every single month.
Nook's calculator uses standard amortisation to give you an accurate picture of your current AUB monthly payment versus what you could be paying after refinancing. On a 3,000,000 loan with 20 years remaining, the difference between 8.75% and 5.99% is roughly 4,595 pesos every month — that's over 55,000 pesos a year back in your pocket. To put today's rates in context, you can check current mortgage interest rates across Philippine banks and see exactly how AUB stacks up against BDO, BPI, Security Bank, and others.
Refinancing through Nook is completely free for borrowers. We work with a panel of leading Philippine banks to find you the most competitive rate available for your loan size, property type, and income profile — and we handle the paperwork from start to finish. There are no broker fees, no hidden charges, and no obligation to proceed after you see your personalised quote. Most clients complete their application in under 15 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
The calculator uses standard reducing-balance amortisation, which is the same method AUB and all Philippine banks use to compute monthly payments. It gives you a reliable estimate based on your loan amount, interest rate, and remaining term — though your exact figure may vary slightly depending on your specific loan structure, fees, or any outstanding balance adjustments.
AUB's advertised fixed-period rates typically start around 7% to 8% per annum for the initial lock-in period, but repricing rates after the fixed term — which most borrowers roll onto without realising — commonly range from 8.5% to 9.5%. If you're unsure of your current rate, check your latest Statement of Account or contact AUB directly before comparing options.
Yes — refinancing to a different bank is completely legal and very common in the Philippines. You simply use the proceeds of a new loan from the refinancing bank to pay off your outstanding AUB balance, and you start fresh with a lower rate and new terms. Nook works with multiple banks including BDO, BPI, Security Bank, and RCBC to find you the best available offer.
When you apply directly to a single bank, you only see that bank's offer. Nook submits your profile to multiple lenders simultaneously, so you can compare real offers side by side and choose the lowest rate. The process is also faster — Nook's digital platform handles document collection and submission, which cuts down the typical bank processing time considerably.
Nook's service is 100% free to you as the borrower — we're compensated by the bank when your loan is approved. That said, standard refinancing does involve third-party costs such as a property appraisal fee, notarial fees, and transfer taxes, which typically total around 1% to 2% of the loan amount. These are one-time costs that are usually recovered within the first year of lower monthly payments.
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