Thousands of AUB borrowers are overpaying every month without realising it. Refinancing your AUB housing loan through Nook could save you over 4,850 pesos every single month — and our service is 100% free.
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Why this matters
Asia United Bank (AUB) offers housing loans to Filipino buyers and property investors, typically with a repricing period of one to three years. When your fixed-rate period ends, your loan reprices to AUB's prevailing rate — which in recent years has settled in the 8% to 9% range. Many borrowers accept this quietly, not realising they have the right to refinance their outstanding balance to a lower rate at any time. If your AUB housing loan has been repriced, or if you locked in your rate during a higher-rate environment, there is a strong chance you are paying significantly more than you need to. You can check current mortgage interest rates in the Philippines to see exactly where the market stands today.
Refinancing an AUB housing loan works by taking out a new loan — at a lower rate, often through a different bank — that pays off your existing AUB balance. Nook searches across multiple Philippine lenders to find the most competitive rate available for your profile. The best refinance rate currently on offer through Nook is 5.99% p.a., which is well below what most AUB borrowers are paying right now. On a 3,000,000 peso balance with 20 years remaining, dropping from 8.50% to 5.99% reduces your monthly repayment by more than 3,000 pesos — money that stays in your pocket every month for the life of the loan.
One of the most common misconceptions about refinancing is that it is complicated or expensive. In reality, Nook handles the entire process for you at zero cost to the borrower. We compare lenders, assist with documentation, and guide you from application to approval. Whether your original loan was with AUB or another institution, the process is straightforward. If you are also curious about how other banks structure their products, our guides on BPI housing loan requirements in the Philippines offer a useful point of comparison for understanding what lenders 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 range from 7.50% to 9.50% per annum depending on your fixing period, loan amount, and borrower profile. Rates are fixed for an initial period of one to five years and then reprice based on prevailing market conditions. If your loan has already been repriced, it is worth checking whether refinancing to a lower rate through another lender could reduce your monthly repayments.
AUB typically requires proof of Filipino citizenship or residency, a valid government-issued ID, proof of income such as payslips or ITR, a Certificate of Employment, and collateral documents for the property being financed. Self-employed applicants will need to provide audited financial statements and business registration documents. Requirements may vary depending on whether you are purchasing, constructing, or refinancing.
Yes, you can refinance your AUB housing loan at any time by applying for a new loan with another lender that offers a better rate. The new loan pays off your existing AUB balance, and you continue repaying under the new terms. Nook makes this process simple and entirely free for borrowers — we handle the comparison and application on your behalf.
The refinancing process in the Philippines typically takes between four to eight weeks from application to loan release, depending on the lender and the completeness of your documents. Nook helps you prepare your documents correctly from the start, which significantly reduces the chance of delays. Once approved, the new lender pays off your AUB loan directly and your new repayment schedule begins.
AUB may charge an early settlement or pre-termination fee if you pay off your loan before the end of your current fixed-rate period, so it is important to check your loan agreement or contact AUB directly to confirm. Even with a prepayment penalty, many borrowers find that the long-term savings from refinancing to a lower rate far outweigh the one-time exit cost. Nook can help you calculate whether refinancing makes financial sense for your specific situation before you commit.
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