AUB home loan rates can reach 8.50% or higher depending on your fixing period — but Filipino homeowners are now refinancing to as low as 5.99% p.a. through Nook, completely free.
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Why this matters
Asia United Bank (AUB) offers home loans with competitive introductory rates, but like most Philippine banks, your rate resets after the fixed period ends — typically every 1, 2, or 3 years. When that happens, many borrowers find themselves rolled onto rates of 8.50% or higher, quietly paying thousands of pesos more each month than they need to. If you took out your AUB home loan more than a year ago and haven't reviewed your rate since, there's a real chance you're overpaying. You can check current mortgage interest rates in the Philippines to see how your AUB rate stacks up right now.
Refinancing your AUB home loan through Nook means we shop your loan across multiple competing banks — BPI, BDO, Security Bank, Metrobank, RCBC, and more — to find you the lowest available rate. The best rate currently on offer is 5.99% p.a. On a 3,000,000 loan with 20 years remaining, that difference alone could save you over 4,500 pesos every single month. Nook handles the entire process for you, from comparing offers to coordinating with your new lender, and our service is 100% free to borrowers. We're paid by the bank, not by you.
Beyond rate refinancing, some AUB borrowers also explore home equity loans to unlock the value built up in their property — useful if you need funds for renovations, education, or other major expenses while keeping your mortgage costs under control. Whether you want a straight rate reduction or a more comprehensive restructure, Nook can walk you through both options and help you decide what makes the most financial sense for your situation.
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 home loan rates vary based on your fixing period and loan tenure, but borrowers on repriced loans are often paying between 8% and 9.50% p.a. in 2026. The most competitive rates from any bank in the market currently start at 5.99% p.a. — if your AUB rate is higher than that, it may be worth refinancing.
Yes, you can refinance your AUB home loan to any participating bank at any time, subject to your current loan's lock-in period. Nook will check whether any prepayment penalties apply and factor those into your net savings calculation before recommending a move.
All three banks offer broadly similar home loan products, but rates, fixing periods, and fees differ in ways that matter significantly over a 20-year loan. BPI and BDO both participate in Nook's refinancing panel, so we can give you a direct rate comparison — you can also review BPI housing loan requirements if you're considering switching.
A typical home loan refinance in the Philippines takes between 4 and 8 weeks from application to loan release, depending on how quickly documents are submitted and how fast the new bank processes the title transfer. Nook keeps the process moving by acting as your dedicated coordinator throughout.
Nook's service is completely free for borrowers. We are compensated by the bank that wins your loan, similar to how insurance brokers operate. You get access to multiple bank offers, expert guidance, and full application support at no cost to you.
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