If you have an Asia United Bank home loan, you could be paying a rate that's 1–3% higher than necessary. Nook compares top Philippine lenders to find you a better deal — completely free of charge.
AUB BORROWER SAVINGS ESTIMATE
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Why this matters
Asia United Bank offers home loans to Filipino borrowers, but like many bank products, the rate you locked in at the time of purchase may no longer reflect the most competitive options available in the market today. If your AUB loan is more than two years old, there's a strong chance that refinancing could meaningfully reduce your monthly payments. With Nook's best available refinance rate currently at 5.99% p.a., AUB borrowers on rates of 8% or higher stand to save tens of thousands of pesos every year. To see how AUB compares against the full market, check out current mortgage interest rates in the Philippines updated regularly by Nook.
Refinancing your AUB home loan doesn't mean you're doing anything wrong — it simply means you're taking advantage of competition between lenders. Philippine banks including BDO, BPI, Security Bank, RCBC, and Metrobank all actively compete for refinance business, which means they're often willing to offer rates well below what you're currently paying. Nook acts as your independent broker, submitting your details to multiple lenders simultaneously and presenting you with the best offer — without charging you a single peso for the service. The entire process is handled digitally, so there's no need to visit multiple bank branches or navigate confusing paperwork on your own.
To qualify for refinancing, your property must typically have at least 20% equity, your loan must be at least one year old, and you'll need to show proof of income and good repayment history. Most AUB borrowers with a remaining balance of 1,500,000 or more will find that the long-term savings easily outweigh any one-time switching costs such as appraisal fees or documentary stamp tax. Nook's advisors will walk you through every cost so you can make a fully informed decision before committing to anything.
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, you are not obligated to stay with Asia United Bank for the life of your loan. Refinancing simply means a new lender pays off your existing AUB balance and issues you a new loan at a lower interest rate. Nook can help you compare offers from over a dozen Philippine banks to find the best available rate for your situation.
It depends on your current rate, remaining balance, and the new rate you qualify for. A borrower with a 3,000,000 balance moving from 8.50% to 5.99% over a 20-year term could save roughly 3,900 pesos per month — that's over 700,000 pesos across the remaining loan life. Use Nook's free calculator to get a personalised estimate.
AUB, like most Philippine banks, may charge a pre-termination fee if you refinance within a fixed-rate lock-in period — commonly the first 1 to 5 years of the loan. It's important to check your loan agreement or contact AUB directly to confirm any applicable charges. Nook can help you factor these costs into your savings calculation to confirm whether refinancing still makes financial sense.
Standard requirements typically include your latest AUB loan statement, a copy of your Transfer Certificate of Title (TCT), proof of income such as payslips or ITR, a government-issued ID, and a filled-out application form from the new lender. Nook's team will provide you with a complete checklist tailored to your chosen lender so nothing is missed. If you're also exploring other lenders, you can review the BPI housing loan requirements as a useful benchmark for what most banks typically ask for.
The refinancing process in the Philippines typically takes 4 to 8 weeks from application to loan release, depending on how quickly documents are submitted and how fast the new lender processes the appraisal. Nook helps keep the process on track by managing communication with the bank on your behalf. Starting early means you can lock in a lower rate before your current AUB fixed period expires.
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