Many AUB borrowers are locked into rates of 8.50% or higher — but Nook can help you refinance to as low as 5.99% p.a. and keep thousands more in your pocket every year.
YOUR POTENTIAL SAVINGS
No commitment. No credit check. Just your numbers.
Why this matters
Asia United Bank (AUB) offers housing loans across the Philippines and has been a popular choice for borrowers looking for flexible terms and competitive introductory rates. However, like most Philippine banks, AUB reprices its loans periodically — meaning the rate you signed up with may no longer reflect the best available in the market. If your AUB housing loan is more than two or three years old, there is a strong chance you are paying a rate well above what today's market offers. You can check how your current rate stacks up against the latest figures on our current mortgage interest rates page.
Refinancing your AUB housing loan through Nook means you are not just switching banks — you are letting a licensed mortgage broker do the heavy lifting for you, at zero cost. Nook compares offers from BDO, BPI, Security Bank, Metrobank, RCBC, and more to find the lowest rate you qualify for. Borrowers who refinance through Nook are currently accessing rates starting at 5.99% p.a., which on a 3,000,000 loan over 20 years translates to savings of over 4,500 pesos every single month. If you are also curious how other banks compare on requirements and flexibility, our BPI housing loan requirements guide is a useful reference point.
The refinancing process in the Philippines can feel daunting — bank visits, document checklists, appraisal fees, and legal paperwork. Nook simplifies all of this into a single online application. You submit your details once, and Nook handles the comparison, negotiation, and coordination with your chosen lender. There are no broker fees charged to you at any stage. Whether you want to lower your monthly payment, shorten your loan term, or simply stop overpaying, Nook gives you a faster and smarter path to a better home loan.
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 housing loan with any accredited bank or lender in the Philippines. The process involves settling your outstanding AUB balance using proceeds from the new loan, which is then held by the new lender against your property. Nook can help you compare offers from multiple banks so you get the lowest available rate without having to approach each lender individually.
AUB, like most Philippine banks, may charge a prepayment penalty if you refinance within a fixed lock-in period — typically one to three years from loan release or last repricing. It is important to check your loan agreement for the exact terms before proceeding. Nook's advisors can help you calculate whether your potential interest savings outweigh any exit fees.
Standard refinancing documents in the Philippines include your latest Statement of Account from AUB, a copy of the Transfer Certificate of Title (TCT), tax declaration, proof of income (payslips or ITR), and valid government-issued IDs. Your new lender will also require a property appraisal. Nook provides a complete checklist once you start your application so nothing falls through the cracks.
The typical refinancing timeline in the Philippines ranges from four to eight weeks, depending on the lender and how quickly documents are processed. Delays are most common during title transfer and appraisal stages. Nook streamlines the process by coordinating directly with lenders on your behalf, which helps avoid unnecessary back-and-forth.
Yes, Nook charges absolutely nothing to the borrower. Nook earns a referral fee from the bank when your loan is successfully released, similar to how insurance brokers are compensated. This means you get professional mortgage advice, rate comparisons, and end-to-end application support at no cost to you whatsoever.
Check your exact savings in 60 seconds. It's free and takes no commitment.
Check My Savings Now →