BDO home loan rates in 2026 start at 6.00% p.a. — but if your loan is due for repricing, you could be paying far more. Check if refinancing saves you money in minutes.
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Why this matters
BDO Unibank is one of the Philippines' largest home loan providers, and for good reason — they offer competitive fixed rates, a wide branch network, and flexible loan purposes from RFO purchases to refinancing and home equity. In 2026, BDO's published 1-year fixed rate starts at 6.00% p.a., which is among the most competitive in the market. However, what matters most is not the rate you started with — it's the rate you're paying right now. Many BDO borrowers who took out loans in 2020 or earlier are locked into repriced rates between 8% and 10%, quietly paying thousands of pesos more each month than necessary.
BDO home loans reprice at the end of each fixed-rate period — typically every 1, 2, 3, or 5 years. When repricing happens, your new rate is set based on prevailing market conditions, and it can increase significantly. If you've recently received a repricing notice, or if your fixed-rate period is ending soon, now is the right time to explore whether switching banks through refinancing makes financial sense. You can also compare BDO versus PNB housing loan rates to see how the options stack up side by side. Through Nook, refinancing is completely free to you as the borrower — Nook is paid by the bank, not by you.
Nook is a Nook partner bank, which means Nook can submit your refinancing application to BDO directly — and compare it against other leading banks simultaneously — so you always get the best available rate for your specific loan profile. BDO accepts applications from a wide range of borrowers including private and government employees, BPO workers, OFWs, seafarers, self-employed professionals, and business owners, with a minimum monthly income of 50,000 and typical approval in around 30 days. Whether you're looking to lower your monthly payment, shorten your loan term, or unlock equity in your home, Nook's mortgage advisors will help you find the right path. Interest rates are subject to change — verify the latest rates with your advisor before proceeding.
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 starts at 6.00% p.a. in 2026, making it one of the most competitive rates available from a major Philippine bank. However, the actual rate you're offered depends on your loan amount, term, income profile, and property type. Rates are subject to change, so always confirm the latest figures with a mortgage advisor before applying.
BDO home loans have a fixed interest rate for an initial period — typically 1, 2, 3, or 5 years — after which the rate is repriced based on market benchmarks. If your fixed period is ending soon, your new rate could be significantly higher than what you've been paying. This is the most important time to review your options, as refinancing to a new bank or product can lock in a lower rate before the repricing kicks in.
Yes, you can refinance your BDO home loan to another bank — or even back to BDO under a new loan structure — if better rates are available. Refinancing essentially replaces your existing loan with a new one at a lower interest rate, reducing your monthly payment and total interest paid. Through Nook, the entire refinancing process is free for borrowers, and your advisor will handle the paperwork and bank negotiations on your behalf.
BDO is highly competitive, with a 1-year fixed rate of 6.00% p.a. that matches or beats many other major banks. That said, the best rate for you personally depends on your specific borrower profile, loan amount, and property details. If you want to see exactly how BDO stacks up, you can compare BDO versus UCPB home loan rates or review other bank comparisons before making a decision.
BDO requires a minimum monthly income of 50,000 and accepts borrowers from a wide range of employment types including private and government employees, BPO workers, OFWs, seafarers, self-employed individuals, and licensed professionals. The maximum debt-to-income ratio is 40%, meaning your total monthly loan obligations should not exceed 40% of your gross monthly income. BDO supports multiple loan purposes including refinancing, home equity, RFO purchases, pre-selling, new construction, renovation, reselling, and foreclosed properties.
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