AUB home loan rates can look competitive at first glance, but many borrowers locked in years ago are now paying 7.50% or more. Nook can connect you with lenders offering 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-rate periods typically ranging from 1 to 5 years, after which your rate reprices based on prevailing market conditions. In recent years, many AUB borrowers who locked in during higher-rate environments have found themselves paying between 7.50% and 9.00% p.a. — well above what is available in today's market. If your fixed period has already lapsed, there's a strong chance you're overdue for a rate review. You can check current mortgage interest rates across Philippine banks to see how AUB stacks up right now.
Refinancing your AUB home loan means switching your outstanding balance to a new lender offering a lower rate — without selling your property or starting from scratch. On a 3,000,000 loan with 20 years remaining, moving from 7.50% to 5.99% saves over 1,200 pesos every single month. Over the life of the loan, that compounds into nearly 300,000 pesos in total interest savings. Nook does all the bank comparison, document coordination, and application follow-up for you, at zero cost to you as the borrower.
Eligibility for refinancing with most Philippine banks typically requires that you are a Filipino citizen (or a foreign national married to one), between 21 and 65 years old at loan maturity, with a stable income and a property that has been held for at least one year. Your current loan must generally be in good standing with no missed payments. Nook's team will assess your profile against multiple lenders simultaneously, so you only need to apply once to see your best available options.
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 typically offers fixed rates starting around 6.50% to 7.50% p.a. for 1- to 3-year fixing periods, with rates adjusting upward for longer fixed terms. However, rates change frequently and depend on your loan amount, term, and borrower profile — so it's worth comparing AUB against other banks before deciding. Nook can pull live competing offers for you in one go.
Most AUB home loans can be refinanced once your initial fixed-rate period has ended, which is typically after 1 to 5 years. Refinancing before this window may trigger prepayment penalties, so it's important to check your loan agreement first. Nook can help you time your refinance to avoid unnecessary fees.
On a 3,000,000 loan with 20 years remaining, moving from 7.50% to 5.99% reduces your monthly payment by around 1,203 pesos — that's over 14,000 pesos saved per year. Over the full remaining term, total interest savings can approach 290,000 pesos. Use Nook's free comparison tool to calculate your exact savings based on your actual balance and rate.
No — Nook's service is completely free for borrowers. Nook earns a referral fee from the bank you choose, similar to how a real estate broker works, so you pay nothing out of pocket for the comparison, application support, or coordination. The only costs you'll encounter are standard bank processing fees, which apply whether you apply directly or through Nook.
Nook works with a wide panel of Philippine banks including BPI, Security Bank, BDO, Metrobank, RCBC, UnionBank, Chinabank, and more. Each lender has slightly different eligibility criteria, documentary requirements, and rate structures, so Nook matches you to the best fit based on your profile. If you're curious about how individual banks compare, you can also review resources like the Security Bank housing loan requirements to get a sense of what to prepare.
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