Asia United Bank offers competitive fixed-rate periods, but many AUB borrowers are still locked into rates of 8.50% or higher. See how much you could save by refinancing to as low as 5.99% p.a. through Nook.
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Why this matters
Asia United Bank (AUB) is a mid-sized universal bank that offers home loan products with fixed-rate periods typically ranging from 1 to 5 years, after which your rate reprices to whatever the prevailing market rate is at the time. This repricing mechanism is where many AUB borrowers get caught off guard — you may have taken out your loan at an attractive introductory rate, only to find your monthly payment jumping significantly once your fixed period expired. If your loan repriced during a period of rising rates, you could now be paying anywhere from 8% to 10% per annum without realising a better alternative exists. You can check how AUB stacks up against the broader market by reviewing current mortgage interest rates in the Philippines.
Refinancing your AUB home loan means taking out a new loan — typically with a different bank — at a lower interest rate to pay off your existing AUB balance. The result is a lower monthly amortisation, more cash in your pocket each month, and significant interest savings over the remaining life of your loan. On a 3,000,000 peso loan with 20 years remaining, moving from 8.50% to 5.99% saves over 3,000 pesos every single month. Over the full loan term, that adds up to more than 550,000 pesos in total interest savings. Nook's service is completely free to borrowers — we are compensated by the bank you ultimately choose, not by you.
The refinancing process in the Philippines involves document preparation, bank evaluation, property appraisal, and loan approval — steps that Nook manages on your behalf across multiple lenders simultaneously. Rather than applying to BDO, BPI, Security Bank, and others one by one, Nook submits your profile to our partner banks and brings you their best competing offers. This saves weeks of legwork and ensures you are getting a genuinely competitive rate, not just whatever one bank happens to quote you. If you are curious about what eligibility and documentation typically look like at other major lenders, our guide on Security Bank housing loan requirements gives a useful benchmark for what Philippine banks generally expect from refinance applicants.
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 does not publicly publish a single fixed rate — their home loan rates depend on the fixed period chosen (1, 2, 3, or 5 years), your loan amount, and creditworthiness, but indicative rates generally range from around 7.50% to 9.50% p.a. as of 2026. The best way to get an exact AUB rate is to request a formal quote directly from the bank or through a mortgage broker like Nook. Keep in mind that the rate offered at application may not reflect what your loan reprices to after your fixed period ends.
Yes — refinancing an AUB home loan is straightforward provided your remaining loan balance is at least 1,000,000 pesos and you have a clean payment history. Nook works with multiple partner banks that can refinance your existing AUB loan, and the process takes approximately 30 to 60 days from application to loan release. There are associated costs such as documentary stamp tax and appraisal fees, but in most cases these are recovered within the first 6 to 12 months of lower monthly payments.
Savings depend on your current rate, remaining balance, and remaining term, but as an illustration, a 3,000,000 peso loan at 8.50% with 20 years remaining costs around 26,035 pesos per month — refinancing to 5.99% brings that down to approximately 22,966 pesos, saving over 3,000 pesos monthly and more than 550,000 pesos in total interest. Use Nook's free calculator to run the numbers on your actual loan balance and rate. Even borrowers with just 10 years remaining on their loan often find the savings justify the switch.
AUB generally allows early settlement of home loans, but a prepayment penalty may apply if you settle within the fixed-rate period — this is typically a percentage of the outstanding balance and varies by loan contract. Before proceeding with a refinance, always confirm with AUB whether a prepayment penalty applies and factor this into your total cost calculation. Nook can help you assess whether the penalty offsets your projected savings before you commit to refinancing.
Nook operates as a mortgage broker, which means we are compensated by the lending bank once a loan is successfully disbursed — similar to how a real estate broker is paid by the seller, not the buyer. You pay nothing for Nook's service at any stage: no consultation fee, no application fee, and no success fee. The rate you receive through Nook is the same or better than applying directly to the bank, because our volume relationships often allow us to access preferential rates not available over the counter.
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