If you took out your Asia United Bank home loan more than two years ago, chances are you're paying a rate well above today's best offers. Nook can help you refinance from AUB to as low as 5.99% p.a. — completely free.
YOUR POTENTIAL SAVINGS FROM AUB
No commitment. No credit check. Just your numbers.
Why this matters
Asia United Bank is a solid mid-tier lender in the Philippines, but like most banks, their repricing cycles mean loyal borrowers often end up locked into rates that no longer reflect the market. If your AUB home loan was fixed for three to five years and has recently repriced — or is about to — you could be facing a rate of 8.50% or higher on your outstanding balance. That's a significant gap compared to the current mortgage interest rates available in the Philippines, where the best refinance offers now start at 5.99% p.a.
Refinancing away from AUB doesn't have to be complicated. Nook works as your digital mortgage broker, comparing offers across BDO, BPI, Security Bank, RCBC, Metrobank, and more — all on your behalf. We handle the paperwork, coordinate with your new lender, and guide you through every step of the process. There's no fee to you at any point; Nook is compensated by the bank you ultimately choose. Most borrowers who refinance through Nook complete the switch in four to eight weeks.
The key eligibility requirements for AUB refinancing are broadly similar to any Philippine bank-to-bank transfer: your property title must be clean, you should have a good repayment history, and your remaining loan term must typically be at least five years. If your outstanding balance is between 1,000,000 and 10,000,000 and your property is in Metro Manila or a major urban center, you're likely a strong candidate. Get a free assessment from Nook today and find out exactly how much you could save.
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 can refinance your AUB mortgage to any participating bank in the Philippines, including BDO, BPI, Security Bank, Metrobank, and RCBC. The process is called a bank-to-bank loan transfer and it's a standard, legal financial transaction. Nook can help you compare offers and manage the entire switch on your behalf at no cost.
AUB may charge a pre-termination fee if you refinance during a fixed-rate lock-in period, typically ranging from 1% to 3% of the outstanding loan balance. It's important to check your loan documents or call AUB directly to confirm any applicable penalties. In most cases, the long-term savings from a lower rate far outweigh a one-time exit fee.
The best refinance rate currently available through Nook is 5.99% p.a., though the exact rate you qualify for will depend on your loan amount, remaining term, property type, and the lender's assessment of your profile. Nook submits your application to multiple banks simultaneously so you receive competing offers and can choose the best one. There's no obligation to accept any offer.
A typical bank-to-bank refinance in the Philippines takes between four and eight weeks from the time you submit your complete documents. The timeline depends on the speed of title verification, bank appraisal, and legal document preparation. Nook's team actively follows up with lenders on your behalf to keep the process moving as quickly as possible.
You'll generally need a copy of your AUB loan statement of account, your property's Transfer Certificate of Title (TCT), a recent tax declaration, proof of income such as payslips or an ITR, and a valid government-issued ID. Requirements can vary slightly by lender — for example, BPI has its own specific housing loan requirements that Nook can walk you through. Our team will give you a complete checklist once you start your free assessment.
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