Many AUB borrowers are paying 8% or more on their home loan — but the best refinance rates in the Philippines have dropped to 5.99% p.a. Nook helps you find out if switching could save you thousands every month, for free.
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Why this matters
Asia United Bank (AUB) offers home loans to Filipino borrowers looking to purchase or refinance residential properties across the Philippines. AUB is a mid-sized commercial bank with a growing retail lending portfolio, and while its home loan products are competitive at the time of fixing, many borrowers find that their rates climb significantly after their initial lock-in period ends — often resetting to prevailing rates that sit between 8% and 10% per annum. If your AUB loan is already out of its fixed-rate period, there's a strong chance you're paying more than you need to.
Refinancing means replacing your existing AUB home loan with a new loan from a different lender — one offering a lower interest rate. Through Nook, you can compare live offers from multiple Philippine banks including BPI, BDO, Security Bank, RCBC, and more, all in one place. To understand how AUB's rates stack up against the broader market, take a look at current mortgage interest rates in the Philippines — the difference may surprise you. On a 3,000,000 loan with 20 years remaining, moving from 8.50% to 5.99% could save you over 4,400 pesos every single month.
Nook's service is 100% free to borrowers. Our licensed mortgage specialists handle the paperwork, bank negotiations, and application process on your behalf — so you spend less time chasing documents and more time benefiting from a lower rate. Whether you originally took your loan with AUB or are considering them as a new lender, Nook gives you the full picture so you can make the smartest financial decision for your household.
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's advertised home loan rates typically start around 7.5% to 8.5% per annum depending on the fixing period and your loan profile. However, rates after your initial fixed period ends can be higher, so it's worth checking what you're actually paying today. Nook can show you competing offers from other banks so you have a true market comparison.
Yes — refinancing your AUB home loan with another bank is straightforward, and Nook specialises in exactly this. As long as your property title is clean and your loan has been active for at least one year, you are generally eligible to apply. Nook will assess your situation and match you with the best available rate from our panel of lenders.
BPI and BDO are among the most competitive banks for home loan refinancing in the Philippines, often offering lower rates and more flexible terms than smaller commercial banks. If you're comparing options, our BPI housing loan requirements guide is a useful starting point. Nook lets you compare all three — and more — side by side based on your actual loan details.
Standard refinancing documents include a valid government ID, your latest three months of payslips or income tax return (for self-employed), your most recent AUB loan statement, and a copy of your property's Transfer Certificate of Title (TCT). Nook will give you a personalised checklist once you submit your details, so nothing gets missed. The process typically takes four to eight weeks from application to loan release.
Yes, completely free. Nook is compensated directly by the bank once your loan is approved and released, similar to how an insurance broker works. You pay nothing extra — in fact, because Nook negotiates on your behalf and has relationships with multiple lenders, borrowers often secure better rates than they would applying on their own. There are no hidden fees or obligations to proceed.
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