Asia United Bank offers home loans to Filipino borrowers, but many AUB clients are paying rates of 8.50% or higher. Through Nook, you could refinance to as low as 5.99% p.a. — and it costs you nothing to find out.
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Why this matters
Asia United Bank (AUB) is one of the Philippines' mid-sized commercial banks with a growing retail lending arm. Their home loan products are available across key urban centres including Metro Manila, Cebu, and Davao — and for many borrowers, AUB was a solid choice at the time of purchase. But mortgage rates reprice every few years, and if your AUB loan has already passed its initial fixed-rate period, there is a strong chance your current rate no longer reflects the best available deal in the market. You can check current mortgage interest rates in the Philippines to see how AUB compares to what lenders are offering today.
Refinancing your AUB home loan through Nook means we shop your profile across a panel of competing banks — including BDO, BPI, Security Bank, RCBC, and others — to find the lowest rate you actually qualify for. There are no broker fees, no hidden charges, and no obligation to proceed. Homeowners on a 3,000,000 loan at 8.50% with 20 years remaining could save over 4,500 per month by switching to 5.99%. That is real money that can go toward your family, your savings, or paying down your loan faster.
The application process through Nook is fully digital. You submit your documents once, and we handle the bank comparisons and coordination on your behalf. Whether you are mid-term on your AUB loan or approaching your next repricing date, now is a smart time to review your options. Nook's service is 100% free to borrowers — we are paid by the bank only when your loan settles successfully.
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
Yes — refinancing away from AUB to another bank is entirely legal and common in the Philippines. Through Nook, we compare offers from multiple lenders so you can move to a lower rate without having to negotiate directly with each bank yourself.
AUB's published home loan rates typically range from around 7.50% to 9.50% depending on the fixing period and your loan profile. To see how this stacks up against the broader market, check our guide to current Philippine mortgage rates which is updated regularly.
Nook's service is completely free for borrowers. We do not charge application fees, broker fees, or any upfront costs. Nook earns a referral fee from the bank only if and when your refinanced loan successfully settles.
You will generally need government-issued ID, your latest ITR or payslips, your existing loan statement from AUB, and your property's TCT or CCT. Requirements vary slightly by lender — if you are also evaluating BPI as a refinancing destination, our BPI housing loan requirements guide is a useful reference for what to prepare.
The best time to refinance is before your next repricing date, when your rate is about to reset and you have the most negotiating leverage. Even mid-term, the savings from switching to a lower rate can outweigh any early redemption fees — Nook can help you calculate whether the numbers make sense for your specific situation.
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