If you took out your Asia United Bank home loan more than two years ago, there's a strong chance you're paying a rate that's 1–3% higher than what's available today. Refinancing with Nook takes the guesswork out of switching — for free.
AUB BORROWER SAVINGS ESTIMATE
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Why this matters
Asia United Bank is a reputable mid-sized commercial bank in the Philippines, and many Filipinos chose AUB for their home loan because of competitive promos at the time of their purchase. But home loan rates are repriced periodically — and if your fixed-rate period has already ended or is ending soon, your current rate may no longer reflect what the market offers. Current mortgage interest rates in the Philippines have shifted considerably, and borrowers who refinanced in the past 12–18 months are now saving thousands of pesos every month.
Refinancing your AUB home loan means replacing your existing loan with a new one — ideally at a lower rate — from another bank. Through Nook, you can compare offers from BDO, BPI, Security Bank, Metrobank, RCBC, and other leading Philippine lenders all in one place. There's no need to visit multiple branches or negotiate rates on your own. Nook's mortgage specialists handle the comparison, paperwork coordination, and bank submissions on your behalf, and the entire service is completely free to you as the borrower.
The most common question we hear from AUB borrowers is whether the savings are worth the hassle of switching. The short answer: for most homeowners with a remaining loan balance of ₱2,000,000 or more, even a 1% rate reduction translates to over ₱200,000 in total interest saved. If you're curious about what competing banks require before you apply, it helps to review BPI's housing loan requirements as a benchmark — BPI is one of the most popular refinancing destinations for AUB borrowers today.
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 to a different bank is exactly what most borrowers do when they want a lower rate. The new bank pays off your AUB loan in full, and you then repay the new bank under a fresh loan agreement at the new interest rate. Nook helps you identify which bank is offering the best deal for your specific loan amount and remaining term.
Savings depend on your remaining loan balance, your current rate, and the new rate you qualify for. A borrower with a ₱3,000,000 loan at 8.50% who refinances to 5.99% could save over ₱3,000 per month and more than ₱500,000 over the life of the loan. Use Nook's free calculator to get a personalised estimate based on your actual numbers.
Many Philippine banks, including AUB, charge a pre-termination fee if you pay off your loan during a fixed-rate lock-in period — typically 1–3% of the outstanding balance. It's important to check your loan documents or call AUB directly to confirm whether you're still within a lock-in period. Nook's advisors can help you factor this cost into your savings calculation to make sure refinancing still makes financial sense.
The end-to-end refinancing process in the Philippines typically takes 6 to 10 weeks, depending on how quickly documents are submitted and how fast the receiving bank processes the appraisal and credit evaluation. Nook streamlines this by guiding you through each step and following up with the bank on your behalf so nothing falls through the cracks.
You'll generally need a government-issued ID, your most recent three months of payslips or ITR if self-employed, a copy of your Transfer Certificate of Title (TCT), your latest Statement of Account from AUB, and proof of billing. Requirements can vary slightly by bank, so Nook will give you a specific checklist once you've been matched with your best-fit lender.
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