Many AUB housing loan borrowers are locked into rates of 8% or higher. See how much you could save by refinancing to as low as 5.99% p.a. through Nook — completely free.
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Why this matters
Asia United Bank (AUB) is one of the Philippines' mid-tier commercial banks offering housing loans for property purchases, construction, and refinancing. AUB housing loan rates typically range from 7.50% to 9.50% per annum depending on the fixing period, your credit profile, and the loan amount. While AUB can be a solid option at the time of purchase, many borrowers find that their repricing rate — the rate applied when the initial fixed period expires — is significantly higher than what other lenders are now offering. If your loan has repriced recently, it's worth checking whether you're still on a competitive rate. You can see how AUB compares against the broader market on our current mortgage interest rates page.
Refinancing your AUB housing loan means transferring your outstanding balance to a new lender at a lower interest rate, which directly reduces your monthly amortisation. For a ₱3,000,000 loan with 20 years remaining, moving from 8.50% to 5.99% could reduce your monthly payment by over ₱3,000 — that's real cash back in your pocket every single month. Many Filipino homeowners are unaware that refinancing is even an option, or assume the process is too complex to be worth it. In reality, the main effort is in gathering your documents — Nook handles the bank comparisons, negotiations, and application coordination on your behalf, at zero cost to you.
To qualify for a refinancing loan in the Philippines, lenders generally look for a borrower who is employed or self-employed with stable income, has a property with sufficient appraised value, and has a good repayment history on the existing loan. Requirements vary by bank — for a sense of what's involved, you can review the BPI housing loan requirements guide as a benchmark. Nook works with over a dozen banks to find the best rate and terms for your specific situation, so you don't have to apply to multiple lenders yourself.
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 range from around 7.50% to 9.50% per annum, depending on the fixing period chosen and your borrower profile. Shorter fixing periods (1-3 years) tend to carry lower initial rates, while longer fixings offer more stability at a slightly higher rate. It's always worth comparing AUB's current offer against other banks before committing, especially if your loan is due for repricing.
Yes, you can refinance your AUB housing loan to any accredited bank or lending institution in the Philippines, as long as you meet the new lender's eligibility requirements. The process involves the new bank paying off your outstanding AUB balance and issuing a new loan at a lower rate. Nook can help you compare offers from multiple banks simultaneously so you get the best deal without doing the legwork yourself.
The key question is how much your current interest rate differs from what's available in the market — generally, a difference of 1.5% or more makes refinancing financially worthwhile. You also want to consider how many years remain on your loan, since the longer the remaining term, the greater the total interest savings. Nook's free calculator can give you a personalised estimate in minutes.
Refinancing does involve some one-time costs, such as appraisal fees, documentary stamp tax, and registration fees — typically ranging from 1% to 2% of the loan amount. However, these upfront costs are usually recovered within 12 to 24 months through your monthly savings, after which you're in profit for the life of the loan. Nook's service itself is completely free — we are compensated by the banks, not by you.
Standard refinancing documents include valid government-issued ID, proof of income (payslips or ITR for the last 2 years), your latest Statement of Account from AUB, a copy of your Transfer Certificate of Title (TCT), and a photocopy of your tax declaration. Employed and self-employed borrowers may have slightly different requirements depending on the receiving bank. Nook will provide you with a personalised checklist once you submit your basic details.
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