Many AUB borrowers are locked into rates of 8% or higher after their fixed period ends. Refinancing through Nook could cut your rate to as low as 5.99% p.a. — completely free.
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Why this matters
Asia United Bank (AUB) offers home loans with fixed interest rate periods typically ranging from 1 to 5 years. During your fixed period, your monthly payment stays predictable — but once it expires, your rate reprices to AUB's prevailing rate, which can climb to 8.5% or higher. Many homeowners are surprised to find their monthly payments jump significantly at repricing, often without realising they have the option to refinance to a lower rate at another bank. If your AUB loan has recently repriced or is approaching its refix date, now is the ideal time to review your options. You can check how AUB stacks up against the rest of the market on our current mortgage interest rates page.
Refinancing your AUB home loan means switching your outstanding balance to a new lender offering a more competitive rate — without selling your property. Through Nook, you can compare offers from over a dozen Philippine banks including BPI, Security Bank, Metrobank, RCBC, and more. Nook's licensed mortgage specialists handle the entire process on your behalf, from bank selection to document preparation and loan submission. There are no broker fees charged to you — Nook is paid by the bank when your loan is approved. For homeowners curious about eligibility standards at other lenders, our BPI housing loan requirements guide is a useful reference point for what banks typically look for.
To qualify for refinancing in the Philippines, you generally need to have paid at least 12 to 24 months of your existing loan, be between 21 and 65 years old at loan maturity, and have a stable source of income — whether employed or self-employed. Your property must be a titled residential property in good standing with no outstanding arrears. A loan-to-value (LTV) ratio of 70–80% is standard, meaning the refinanced amount should not exceed 70–80% of the appraised property value. Nook will assess your profile upfront so you know your chances before applying.
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
AUB offers fixed rate periods of 1, 2, 3, and 5 years, with indicative rates typically ranging from 7% to 9% depending on the fixing period and your loan profile. After your fixed period expires, your rate reprices to AUB's prevailing rate, which may be higher. Because bank rates change frequently, the best way to compare AUB against other lenders is through a free rate comparison on Nook.
The best time to refinance is just before your fixed rate period ends — usually 60 to 90 days before your refix date — so your new loan is in place before your AUB rate adjusts upward. You can also refinance mid-term, though you should check if AUB charges a pre-termination penalty, which is common during the fixed period. Nook can help you calculate whether the savings outweigh any early settlement fees.
On a 3,000,000 peso loan with 20 years remaining, moving from an 8.5% AUB rate to a 5.99% rate through Nook saves approximately 4,496 pesos per month — or over 800,000 pesos across the remaining loan term. Actual savings depend on your outstanding balance, remaining term, and the rate you qualify for. Use Nook's free calculator to get a personalised estimate based on your loan details.
No — Nook's service is completely free for borrowers. Nook is compensated by the bank when your refinancing is successfully approved, so there is no broker fee, consultation fee, or application charge passed on to you. You get expert guidance and access to multiple bank offers at no cost.
You will typically need a valid government-issued ID, proof of income (payslips and a certificate of employment for salaried borrowers, or ITR and financial statements for self-employed), your latest AUB loan statement, and the property's Transfer Certificate of Title (TCT) or Condominium Certificate of Title (CCT). Nook provides a personalised checklist once you start your application so nothing is missed. Most borrowers find the document process straightforward with Nook's step-by-step guidance.
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