Use our free calculator to estimate your AUB monthly payments — then see how much you could save by refinancing to as low as 5.99% p.a. through Nook.
POTENTIAL MONTHLY SAVINGS
No commitment. No credit check. Just your numbers.
Why this matters
Asia United Bank (AUB) offers home loans to Filipino borrowers, but like most Philippine banks, their rates are typically repriced every 1 to 5 years — meaning the rate you locked in years ago could be significantly higher than what's available in the market today. If your AUB home loan is on a rate of 8% or above, there's a strong chance you're leaving real money on the table every single month. Check today's mortgage interest rates in the Philippines to see how your current rate compares.
Refinancing your AUB home loan through Nook means your loan is transferred to a new bank offering a lower interest rate — potentially as low as 5.99% p.a. On a 3,000,000 peso loan with 20 years remaining, that difference can translate to over 3,800 pesos in monthly savings, and close to 700,000 pesos over the life of the loan. Nook is 100% free to use: we're compensated by the banks, never by you.
Unlike going directly to a bank, Nook shops your application across multiple lenders — including BPI, BDO, Security Bank, Metrobank, and more — so you get competing offers and can choose the best one. If you're already considering alternatives, it's worth reviewing BPI's housing loan requirements to understand what a top-tier refinance option looks like. Our digital process handles everything from document collection to bank submission, so you don't have to visit a branch or deal with paperwork alone.
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 formula based on the loan amount, interest rate, and remaining term you input, giving you a reliable monthly payment estimate. Keep in mind that your actual AUB payment may vary slightly depending on your specific loan structure, fees, or insurance charges. For an exact figure, check your latest AUB loan statement or contact AUB directly.
Most AUB home loans include a lock-in period of 1 to 3 years, during which early repayment or refinancing may incur a penalty fee — typically 1% to 3% of the outstanding balance. Once your lock-in period has passed, you're free to refinance without penalty. Nook can help you calculate whether the savings from refinancing outweigh any applicable fees even before your lock-in ends.
Nook works with a wide panel of Philippine banks including BDO, BPI, Security Bank, Metrobank, RCBC, Chinabank, UnionBank, and more. We submit your application to multiple lenders simultaneously and present you with the best offers, so you're not limited to a single bank's rate. This competitive process is what allows borrowers to access rates as low as 5.99% p.a.
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's digital process helps speed things up by guiding you through document requirements and following up with the bank on your behalf. Most borrowers find it significantly faster and less stressful than applying directly.
Nook's service is completely free for borrowers — we are compensated by the banks when a loan is successfully processed, not by charging you any broker or service fee. You will still need to pay standard bank fees such as appraisal, notarial, and registration charges, which are typical in any home loan transaction. There are no hidden charges from Nook's side.
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