Many AUB home loan borrowers are locked into rates of 8.50% or higher — but refinancing through Nook could drop your rate to as low as 5.99% p.a. and save you thousands every month.
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Why this matters
Asia United Bank (AUB) offers home loans to Filipino borrowers looking to purchase a house and lot, condominium, or vacant lot. AUB's fixed-rate periods typically run one to three years before repricing, which means many borrowers find their monthly payments climbing after their initial lock-in ends. If your AUB home loan has already repriced — or is about to — now is an ideal time to explore whether refinancing to a lower rate makes financial sense for you. For a broader comparison of what different banks offer, you may also want to read our guide to house and lot loans in the Philippines, which covers monthly payment estimates and how to compare lenders side by side.
Refinancing your AUB home loan through Nook means we do the legwork of shopping your loan across multiple Philippine banks — BDO, BPI, Security Bank, Metrobank, RCBC, and more — to find you the most competitive rate available. The process is fully digital, and Nook's service is 100% free to you as the borrower. There are no broker fees and no hidden charges. We're paid by the bank, not by you. The key requirement is that your remaining loan balance is at least 1,000,000 and you have a good repayment history with AUB.
The most important thing to check before refinancing is whether your AUB loan has a lock-in period still in effect — breaking it early may trigger a prepayment penalty, typically 1–3% of the outstanding balance. Nook's advisors will help you calculate whether the long-term savings from a lower rate outweigh any exit costs from AUB, so you can make a clear-eyed decision. Many borrowers are surprised to find they save significantly even after accounting for switching costs. If you're also considering how other banks structure their documentation requirements, our overview of RCBC housing loan requirements is a useful benchmark for what to expect industry-wide.
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
It depends on the terms of your specific AUB loan agreement. Most AUB home loans carry a prepayment penalty of 1–3% of the outstanding balance if you exit during the lock-in period. Nook can help you calculate whether the long-term interest savings from refinancing still outweigh this one-time fee.
The best refinance rate currently available through Nook is 5.99% p.a., though the exact rate you receive will depend on your loan amount, remaining term, income profile, and the bank that approves your application. Nook submits your profile to multiple banks simultaneously to find you the most competitive offer.
Nook's service is completely free to borrowers — there are no broker fees, application fees, or hidden charges on our end. Nook is compensated directly by the bank that approves your loan, so the savings you see are real and not offset by adviser costs.
You will generally need a valid government-issued ID, your latest AUB loan statement showing the outstanding balance, proof of income (payslips or ITR for self-employed), and the title documents for your property. Nook's team will give you a precise checklist based on the bank you're refinancing into.
From submitting your application through Nook to receiving a formal loan offer from a new bank, the process typically takes 4–8 weeks depending on the lender and how quickly documents are submitted. Once approved, the new bank settles your outstanding AUB balance directly, and you simply begin paying the new lender at your lower rate.
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