Use our free calculator to compute your AUB home loan monthly payment — then see how much you could save by refinancing to a lower rate through Nook.
YOUR POTENTIAL SAVINGS
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Why this matters
AUB (Asia United Bank) offers competitive home loan products in the Philippines, but like most local banks, their rates are repriced periodically — meaning the rate you signed up with years ago may no longer be the best available in the market. Many AUB borrowers are currently paying between 8% and 9% per annum, especially those who took out loans before recent market shifts. If you're using an AUB home loan calculator to check your monthly payment, it's also worth asking: could you be paying significantly less? You can explore current mortgage interest rates in the Philippines to see how AUB stacks up against the competition right now.
Nook is the Philippines' first digital mortgage broker, and we work with a wide panel of banks — including BDO, BPI, Security Bank, RCBC, Metrobank, and more — to find the lowest refinancing rate available for your specific loan profile. Our best rate today is 5.99% p.a., which can translate to thousands of pesos in monthly savings for a typical AUB borrower. The entire process is free for you — Nook earns from the banks, not from borrowers. If you're also comparing other lenders, our BPI housing loan requirements guide is a helpful reference to understand what top banks look for.
Whether you're mid-loan or approaching the end of a fixed-rate period, now is a smart time to review your options. Refinancing doesn't mean starting over — in many cases it means keeping your remaining term while simply lowering your monthly obligation. Our calculator above shows you the real numbers based on your current balance and rate, so you can make a fully informed decision before speaking to anyone. No commitment, no paperwork, no cost.
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 loan balance, your current interest rate, and your remaining loan term. Use the calculator on this page by entering those three figures — it applies the standard amortisation formula used by Philippine banks. If you're unsure of your current balance or rate, check your latest AUB loan statement or contact AUB directly.
AUB home loan rates generally range from 7.5% to 9.5% per annum depending on the fixing period, loan amount, and your credit profile at the time of application. Rates are typically fixed for 1, 2, 3, or 5 years and then repriced based on prevailing market conditions. This means borrowers who took out loans during a high-rate period may be paying more than today's best available rates.
Yes — refinancing your AUB loan with another bank is allowed and is a common way Filipino homeowners reduce their monthly payments. The new bank pays off your AUB loan in full and issues a new loan at a lower rate, with your property as continued collateral. Nook can help you compare offers from multiple banks simultaneously, for free, so you get the best deal without doing the legwork yourself.
For a 3,000,000 loan with 20 years remaining at 8.50%, refinancing to Nook's best rate of 5.99% could save you over 4,000 pesos per month — that's nearly 725,940 pesos over the life of the loan. Actual savings depend on your specific balance, remaining term, and the rate you qualify for. Use our calculator above to get a personalised estimate based on your numbers.
Yes, Nook's service is 100% free for homeowners. We are a licensed mortgage broker, and our fee is paid by the bank whose product you ultimately choose — not by you. There are no consultation fees, no processing charges from our side, and no obligation to proceed after receiving your options. You get expert guidance and bank comparisons at zero cost.
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