BDO's 1-year fixed home loan rate starts at 6.00% p.a. — but if you're on an older loan, you could be paying far more. Refinancing through Nook is 100% free and could save you thousands every month.
YOUR POTENTIAL MONTHLY SAVINGS
No commitment. No credit check. Just your numbers.
Why this matters
BDO Unibank is one of the Philippines' largest and most trusted home loan providers, and in 2026 its rates remain highly competitive. BDO's 1-year fixed rate starts at 6.00% p.a., making it a strong option for both new borrowers and homeowners looking to refinance an existing mortgage. Whether you took out your home loan years ago at a higher rate or you're simply due for a reprice, locking in a lower fixed rate today can mean dramatically lower monthly amortisations — and tens of thousands of pesos saved every year. If you want to understand BDO housing loan requirements before you apply, Nook's complete guide walks you through everything you'll need.
Many Filipino homeowners are still carrying home loans priced at 8% to 10% or higher — rates that made sense when they were first approved but are now well above what the market offers. Refinancing to BDO's current 6.00% fixed rate through Nook could reduce a ₱3,000,000 outstanding balance by over ₱4,500 per month. That's real money back in your pocket every single month, without changing your home or your lender relationship. The key is knowing what rate you're currently paying and comparing it against what's available today — something Nook makes fast and completely free. For a deeper look at how BDO stacks up and what refinancing with them involves, see our BDO refinancing guide for 2026.
Applying through Nook means you get access to BDO's home loan products alongside rates from other leading Philippine banks — all in one place, with zero broker fees. Nook handles the comparison, paperwork coordination, and bank communication on your behalf. BDO requires a minimum monthly income of ₱50,000, accepts a wide range of employment types including private employees, government workers, OFWs, self-employed professionals, and BPO workers, and typically processes approvals within 30 days. With a maximum debt-to-income ratio of 40%, most working Filipinos with an existing mortgage will qualify. Please note: interest rates are subject to change — always verify the latest rates directly with BDO or through Nook before submitting your application.
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 1-year fixed home loan rate in 2026 starts at 6.00% p.a. This applies to both new purchase loans and refinancing of existing mortgages. Rates are subject to change, so it's best to confirm the latest schedule through Nook or directly with BDO before applying.
Yes — refinancing is one of BDO's supported loan purposes, and Nook specialises in helping Filipino homeowners switch to a lower rate. Nook's service is completely free to borrowers; we handle bank comparisons, document coordination, and application support at no cost to you.
BDO requires a minimum monthly income of ₱50,000 and a maximum debt-to-income ratio of 40%. BDO accepts a wide range of employment types, including private employees, government workers, OFWs and seafarers, self-employed individuals, and licensed professionals. For a full checklist, see our complete BDO housing loan requirements guide.
BDO's typical approval timeline is around 30 days from submission of a complete application. Working with Nook helps streamline the process because our team ensures your documents are complete and correctly prepared before they're submitted to the bank, reducing the risk of delays.
The savings depend on your current rate and outstanding balance, but the difference can be substantial. On a ₱3,000,000 loan with 20 years remaining, switching from 8.50% to 6.00% saves roughly ₱4,500 per month — over ₱54,000 per year. Use Nook's free calculator to see your personalised savings estimate.
Check your exact savings in 60 seconds. It's free and takes no commitment.
Check My Savings Now →