BDO offers a 1-year fixed rate of 6.00% p.a. for refinancing — and Nook helps you apply for free. If you're currently paying 8% or more, you could be saving thousands every month.
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Why this matters
BDO Unibank is one of the Philippines' largest and most trusted home loan providers, and their 2026 refinancing rate of 6.00% p.a. (1-year fixed) makes them a genuinely competitive option for homeowners looking to reduce their monthly burden. Whether you originally took out your loan with BDO or another bank, refinancing through BDO — with Nook as your free broker — could cut your interest costs significantly over the life of your loan. BDO accepts borrowers from a wide range of employment types, including private employees, government workers, OFWs, self-employed professionals, and BPO workers, with a minimum monthly income requirement of ₱50,000 and a maximum debt-to-income ratio of 40%.
The refinancing process through BDO typically takes around 30 days from application to approval, which is faster than many borrowers expect. Nook streamlines this further by helping you prepare your documents, matching you with the right BDO loan product, and submitting your application on your behalf — at no cost to you. If you're unsure about the BDO housing loan requirements, Nook's advisors can walk you through everything you need before you apply, so there are no surprises. BDO supports refinancing for ready-for-occupancy properties, resale homes, and even home equity purposes, giving homeowners flexibility in how they use a lower rate.
It's worth noting that BDO's 6.00% fixed rate applies for the initial 1-year fixed period, after which rates are subject to repricing based on prevailing market conditions. Interest rates are subject to change, and borrowers should verify current rates directly with BDO or through Nook before making any financial decisions. That said, even locking in a lower rate for one to three years can generate meaningful savings — and many Nook clients use that window to aggressively pay down their principal. If you want to understand how BDO's rates compare across different fixed periods and loan scenarios, our BDO refinancing rates guide breaks it all down in plain language.
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 current refinancing rate through Nook is 6.00% p.a. on a 1-year fixed term, which is among the most competitive rates available from a major Philippine bank in 2026. This rate applies to refinancing and home equity loan purposes. Interest rates are subject to change, so we recommend verifying the latest rates through Nook or directly with BDO before applying.
BDO accepts borrowers from a wide range of employment backgrounds, including private employees, government workers, BPO professionals, OFWs and seafarers, and self-employed individuals. You'll need a minimum monthly income of ₱50,000 and a total debt-to-income ratio of no more than 40%. You can check the full list of BDO housing loan requirements for the Philippines to see exactly what documents you'll need to prepare.
BDO's typical approval timeline for a home loan or refinancing application is around 30 days from submission of complete documents. Applying through Nook can help speed things up, since Nook's advisors ensure your application is complete and correctly packaged before it reaches the bank. Incomplete submissions are the most common cause of delays.
Yes, Nook's mortgage brokering service is completely free for the borrower — Nook is compensated by the bank when your loan is successfully processed, similar to how insurance brokers work. You get expert guidance, document support, and access to multiple bank partners including BDO without paying any broker fee. There are no hidden charges from Nook's side.
Yes, it is possible to refinance an existing BDO home loan back with BDO, though this is less common than switching from another lender. More often, homeowners refinance from their current bank to BDO or another Nook partner bank to access a lower rate. Nook will compare all available options and recommend the one that saves you the most money over your remaining loan term.
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