Many AUB housing loan borrowers are paying 7.50% or higher — refinancing through Nook could drop your rate to 5.99% p.a. and save you thousands every month.
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Why this matters
Asia United Bank (AUB) is a reputable Philippine commercial bank offering housing loans with competitive terms for property purchases, construction, and home improvement. AUB housing loans typically come with fixed-rate periods ranging from 1 to 5 years, after which your rate reprices based on prevailing market conditions. If your loan has already repriced once or twice, there's a strong chance you're now paying a rate well above what the market currently offers. Checking current mortgage interest rates in the Philippines is the fastest way to find out if you're overpaying.
Refinancing your AUB housing loan means replacing your existing loan with a new one — ideally at a lower interest rate — from another bank or lender. This is entirely legal, common, and in many cases, the smartest financial move a homeowner can make. Nook works with multiple Philippine banks to find you the best available refinance rate, currently as low as 5.99% p.a. Our service is completely free to you as a borrower — we are compensated by the lending bank, not by you. There are no hidden fees and no obligation to proceed after you see your options.
The process is straightforward: you share your current loan details with Nook, we compare offers across our bank partners, and we guide you through the application from start to finish. Most clients complete their refinance within 4 to 8 weeks. Whether you originally took out your loan through AUB or are considering AUB as a new option, it pays to compare. If you're also evaluating other banks, you might find our guides on BPI housing loan requirements helpful as a benchmark for what Philippine banks typically ask for.
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 housing loan rates in 2026 typically start around 6.50% to 7.50% p.a. for fixed-rate periods of 1 to 5 years, though your actual rate depends on your loan amount, term, and creditworthiness. Rates reprice after the fixed period ends, which often results in a higher rate than what you originally signed up for. It's worth comparing AUB's current offer against other lenders to make sure you're getting the best deal available.
AUB generally requires you to be a Filipino citizen between 21 and 65 years old at loan maturity, with a stable source of income — either employed or self-employed. You'll need to submit government-issued IDs, proof of income (payslips, ITR, or audited financial statements), a copy of the property's title (TCT or CCT), and a recent tax declaration. Additional documents may be required depending on your borrower profile and the purpose of the loan.
Yes, you can refinance your AUB housing loan with any participating bank that offers better terms — this is called a balance transfer or loan takeout, and it's a standard practice in the Philippine mortgage market. The new bank pays off your existing AUB loan, and you begin repaying the new lender at the agreed lower rate. Nook can help you compare multiple bank offers at once so you don't have to apply to each bank separately.
On a 3,000,000 peso loan with a 7.50% rate and 20 years remaining, refinancing to 5.99% p.a. could reduce your monthly payment by over 2,600 pesos — that's more than 480,000 pesos saved over the remaining life of your loan. Your actual savings will depend on your outstanding balance, remaining term, and the new rate you qualify for. Use Nook's free assessment to get a personalised estimate based on your specific loan details.
Yes, Nook's service is 100% free to borrowers — we do not charge application fees, advisory fees, or any hidden costs. Nook is compensated directly by the bank when your refinance is successfully completed, similar to how a real estate broker earns from the developer rather than the buyer. You get expert guidance, bank comparison, and full application support at no cost to you.
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