Many AUB borrowers are locked into rates of 8.50% or higher — refinancing through Nook could cut your monthly payment by thousands of pesos, for free.
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Why this matters
Asia United Bank (AUB) offers home loans to Filipino buyers and property investors, typically with fixed-rate periods of one to five years before the loan reprices to prevailing market rates. This repricing cycle is where many borrowers get caught off guard — your initial promotional rate expires, your monthly payment jumps, and the process of negotiating a better deal directly with your bank can feel like hitting a brick wall. If your AUB loan has already repriced, or is about to, now is exactly the right time to explore your options. You can check current mortgage interest rates across Philippine banks to see how AUB's rate compares to what is available in the market today.
Refinancing means moving your existing AUB balance to a different lender — one currently offering a lower rate — and resetting your monthly obligation accordingly. Through Nook, the Philippines' first digital mortgage broker, you can compare offers from BDO, BPI, Security Bank, Metrobank, RCBC, and other leading lenders side by side, without having to visit multiple bank branches or pay a single centavo in broker fees. Nook's service is completely free to borrowers; the bank pays the referral fee, not you. For homeowners who have built up significant equity, it may also be worth reading about unlocking your property's value through a home equity loan as an alternative or complementary strategy.
Eligibility for refinancing your AUB home loan through Nook generally requires that you are a Filipino citizen or qualified foreign national, that your property is located in an eligible area, and that your remaining loan balance and income support the new loan. Most lenders will look at your credit history, employment status, and debt-to-income ratio. The good news is that if you have been servicing your AUB loan on time, you are already in a strong position to qualify for a better rate elsewhere. Nook's team handles the paperwork coordination and bank follow-ups on your behalf, so the process is far simpler than applying directly.
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 depending on the fixed-rate period you choose, typically ranging from around 7.50% for a one-year fix to 9.00% or higher for longer fixed terms as of 2026. After your fixed period ends, the rate reprices based on AUB's prevailing board rates, which can push your payment significantly higher. Checking the market regularly and comparing AUB's rate against other lenders is the best way to ensure you are not overpaying.
Yes, you can refinance your AUB home loan to any participating bank that offers a better rate, as long as you meet that bank's eligibility criteria and your loan is in good standing. Refinancing involves paying off your AUB balance using proceeds from a new loan with the new lender. Nook can help you compare offers from multiple banks at once and manage the entire application process for free.
AUB may charge a pre-termination fee if you refinance during your fixed-rate period, which is typically a percentage of the outstanding balance — commonly 2% to 5%. Once your fixed period has lapsed and your loan is on a floating rate, pre-termination fees are often waived or significantly reduced. It is important to check your loan agreement or contact AUB directly to confirm the exact cost before proceeding, as the savings from a lower rate usually outweigh a one-time penalty.
Standard refinancing documents include a government-issued ID, your most recent Certificate of Employment and Income Tax Return (or audited financial statements if self-employed), your AUB loan statement showing the outstanding balance, and the Transfer Certificate of Title (TCT) of your property. The new bank will also require a property appraisal, which they typically arrange and shoulder the cost of. Nook will give you a complete checklist tailored to the specific bank you are applying with.
The refinancing process typically takes between 30 and 60 days from the time you submit a complete set of documents, depending on the lender and how quickly the property appraisal is completed. Nook coordinates directly with the bank on your behalf, so you avoid the back-and-forth that slows down direct applications. Most borrowers find the process much faster and less stressful than they expected.
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