Many AUB housing loan borrowers are paying 8.50% or higher on their home loan. Nook can help you compare and refinance to as low as 5.99% p.a. — for free.
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Why this matters
Asia United Bank (AUB) offers housing loans across the Philippines with competitive introductory rates, but like most Philippine banks, AUB reprices your loan every 1, 2, or 3 years. After your fixed-rate period ends, many borrowers find themselves repriced to rates of 8.50% or higher — significantly above what is available in the market today. If your AUB loan has already been repriced once or twice, there is a strong chance you are overpaying every single month. You can check current mortgage interest rates in the Philippines to see how your AUB rate compares right now.
Refinancing your AUB housing loan through Nook means we do the legwork of approaching multiple banks on your behalf — BDO, BPI, Security Bank, RCBC, EastWest, and more — to find you the lowest rate you actually qualify for. The best rate currently available through Nook is 5.99% p.a. On a 3,000,000 peso loan with 20 years remaining, moving from 8.50% to 5.99% saves you over 4,500 pesos every month. That is money that stays in your pocket, not the bank's.
Nook's service is completely free for borrowers. We are compensated by the bank you choose, which means there is zero cost to you for getting a better deal. Whether you are currently with AUB or considering an AUB loan as a new application, it always pays to compare. Many Filipinos are surprised to discover how much they can save simply by shopping the market — something Nook makes fast, simple, and completely online.
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 typically offers fixed rates for an initial period of 1 to 5 years, after which your loan is repriced based on prevailing market rates. Rates vary depending on your loan amount, term, and credit profile, but many existing AUB borrowers are currently on rates between 8% and 10%. It is worth comparing these against the broader market — you can see how they stack up on our current Philippine mortgage rates page.
Yes, refinancing an AUB housing loan to another bank is straightforward and very common in the Philippines. You simply apply for a new loan with a competing bank, which pays off your AUB balance at a lower rate. Nook handles the entire process for you at no cost, approaching multiple banks simultaneously to find your best offer.
To refinance, you will generally need your original AUB loan documents, a statement of account showing your outstanding balance, proof of income (payslips or ITR for the last 2 years), a valid government ID, and your property's Transfer Certificate of Title (TCT). Requirements can vary slightly between banks, so Nook will guide you through exactly what each lender needs once you start your application.
AUB, BPI, and RCBC all offer competitive housing loan products, but their rates, repricing schedules, and approval criteria differ. BPI is known for faster processing and a strong branch network, while RCBC often has flexible terms for OFW borrowers. You can explore details in our BPI housing loan requirements guide and RCBC housing loan requirements guide to compare. Ultimately, the right bank depends on your income profile, loan amount, and how long you plan to hold the property.
Yes, Nook's service is 100% free for homeowners. Nook earns a referral fee from the bank you ultimately choose, similar to how a real estate broker is paid by the seller, not the buyer. You pay nothing extra and your loan rate is the same as going directly to the bank yourself — except Nook has already negotiated the best available terms on your behalf.
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