Thousands of AUB housing loan borrowers are overpaying by thousands of pesos each month. Nook compares AUB against every major Philippine bank to find you a lower rate — completely free.
AUB BORROWER SAVINGS ESTIMATE
No commitment. No credit check. Just your numbers.
Why this matters
Asia United Bank (AUB) offers housing loans across the Philippines with competitive introductory rates, but like most Philippine banks, AUB's rates reprice periodically — often upward. If you took out your AUB home loan two or more years ago, there's a strong chance your current rate is significantly higher than what the market now offers. With refinance rates as low as 5.99% p.a. available through Nook, many AUB borrowers are discovering they can save tens of thousands of pesos every year simply by switching lenders. You can check current mortgage interest rates in the Philippines to see exactly how AUB's rates stack up against the competition right now.
Refinancing away from AUB doesn't have to be complicated. Nook acts as your digital mortgage broker, handling the comparison, paperwork, and bank negotiations on your behalf at zero cost to you. We work with BDO, BPI, Metrobank, Security Bank, RCBC, UnionBank, and more — so you get genuinely independent advice rather than a single bank's sales pitch. Whether your AUB loan is for a house and lot, condominium, or vacant lot, Nook can identify which bank will give you the best rate for your specific property and borrower profile.
The process is straightforward: submit your details once through Nook, and we'll present you with the best refinancing options available. There's no obligation to proceed, and our service is completely free to borrowers — we're compensated by the banks, not by you. For AUB borrowers with a remaining balance of ₱1,500,000 or more and at least 12 months of on-time payments, refinancing is almost always worth exploring. The savings over a 15-to-20-year remaining term can easily exceed ₱500,000.
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 typically range from 7.50% to 9.50% p.a. depending on the fixing period, loan amount, and your credit profile. Introductory fixed rates are offered for 1, 2, or 3 years before repricing to a higher prevailing rate. If your AUB loan has already repriced, you may now be paying significantly more than the best available market rate of 5.99% p.a.
Yes — refinancing an AUB housing loan to another bank is entirely legal and straightforward in the Philippines. You simply apply for a new loan with a different lender, who pays off your AUB balance in full, and you then make repayments to the new bank at the lower rate. Nook manages this entire process for you at no cost, and most refinancing transactions are completed within 30 to 60 days.
To refinance your AUB housing loan, you'll generally need to provide a copy of your existing loan documents, your latest AUB Statement of Account, proof of income (payslips or ITR for the past 2 years), a copy of the property's Transfer Certificate of Title (TCT), and valid government-issued IDs. Requirements vary slightly by bank — Nook will tell you exactly what each lender needs once you submit your details.
Savings depend on your remaining balance, remaining term, and the rate gap between your current AUB rate and the new rate. On a ₱3,000,000 loan with 20 years remaining, moving from 8.50% to 5.99% saves approximately ₱3,836 per month — or over ₱690,000 across the life of the loan. Use Nook's free calculator to get a personalised savings estimate based on your actual loan details.
Yes, completely free. Nook earns a referral fee from the bank you choose to refinance with — you pay nothing extra, and this fee does not affect the interest rate you receive. You get the same rate (or better) as if you walked into the bank directly, plus the benefit of having Nook negotiate on your behalf and manage all the paperwork. There are no hidden charges, no application fees, and no obligation to proceed after your free consultation.
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