BDO offers a 1-year fixed rate starting at 6.00% p.a. — but if you're on an old repriced rate, you could be paying 7% to 10% without even realising it. Find out how much you can save by refinancing through Nook, completely free.
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Why this matters
BDO Unibank is one of the Philippines' largest home loan providers, offering fixed-rate periods of 1, 2, 3, 5, and 10 years before loans reprice to a variable rate. In 2026, BDO's advertised 1-year fixed rate starts at 6.00% p.a. — a competitive entry point for new borrowers. However, many existing BDO home loan holders find themselves on repriced rates well above this, often between 7% and 10%, simply because they haven't reviewed their loan since it was first approved. That gap between your current rate and today's best available rate is money leaving your pocket every single month. For a deeper look at how BDO structures its rates across fixed periods, see our BDO home loan interest rate guide for 2026.
Refinancing your BDO home loan — or refinancing away from BDO to a more competitive lender — is one of the most effective ways to reduce your monthly financial burden. Through Nook, the Philippines' first digital mortgage broker, you can compare BDO's current rates alongside offers from more than a dozen partner banks, all in one place. Nook's service is 100% free to the borrower; there are no broker fees, no hidden charges, and no obligation to proceed. BDO accepts applications from private employees, government workers, BPO professionals, OFWs, seafarers, self-employed individuals, and licensed professionals, with a minimum monthly income requirement of ₱50,000 and a typical approval timeline of around 30 days.
If you're currently mid-cycle on a BDO fixed-rate period, it's worth knowing your repricing date — that's your window to act without incurring early settlement charges. Even if you're outside that window, the long-term savings from switching to a lower rate often outweigh any penalties. Before you apply, make sure you have your documents in order; our complete guide to BDO housing loan requirements walks you through everything you'll need. Interest rates are subject to change — always verify the current applicable rate with your bank or broker before making a financial decision.
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
BDO's advertised 1-year fixed rate in 2026 starts at 6.00% p.a. for eligible borrowers. Rates for longer fixed periods — 2, 3, 5, and 10 years — are typically higher to reflect the extended rate guarantee. Rates are subject to change, so it's best to confirm the latest schedule directly with BDO or through a free Nook consultation.
Once your fixed-rate period expires, your BDO home loan reprices to a variable rate based on BDO's prevailing benchmark at that time, which is often significantly higher than the introductory rate. Many borrowers are surprised to find their monthly repayments increase substantially at repricing. This is one of the most common triggers for refinancing — and the ideal moment to shop around for a better deal.
Yes — you can refinance your BDO home loan either within BDO (by negotiating a new rate at repricing) or by transferring your loan to another bank offering more competitive terms. Refinancing is most cost-effective when done at your repricing date to avoid early settlement fees. Nook can help you compare both BDO's current offers and those from other partner banks, all for free.
BDO accepts applications from a wide range of borrowers including private and government employees, BPO workers, OFWs, seafarers, self-employed individuals, and licensed professionals. The minimum monthly income requirement is ₱50,000, and your total debt obligations should not exceed 40% of your gross monthly income (maximum debt-to-income ratio). Meeting these thresholds improves your chances of securing BDO's best advertised rates.
Nook is a licensed digital mortgage broker that submits your application to multiple partner banks — including BDO — and negotiates on your behalf to secure the most competitive rate available. The service is completely free for borrowers; Nook earns a referral fee from the bank, not from you. The whole process is handled online, and most borrowers receive a decision within BDO's standard 30-day approval window.
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