BDO offers fixed home loan rates starting at 6.00% p.a. — but if you locked in before 2023, you could be paying 8–10% or more. Find out how much you could save by refinancing today.
SAMPLE MONTHLY SAVINGS
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Why this matters
BDO Unibank is one of the Philippines' largest mortgage lenders, and their 2026 home loan rates are competitive — with a 1-year fixed rate of 6.00% p.a. for qualified borrowers. However, your actual rate depends heavily on when you took out your loan and how your repricing clause works. Many homeowners who borrowed between 2018 and 2022 are still locked into rates of 8% to 10%, meaning they could be overpaying by thousands of pesos every single month. If your fixed period has already expired and your loan has been repriced upward, now is an excellent time to reassess your options.
Refinancing through Nook lets you compare BDO's current rates against other top Philippine banks — all in one place, completely free. As a Nook partner bank, BDO offers streamlined processing with typical approval in around 30 days, a maximum debt-to-income ratio of 40%, and a minimum monthly income requirement of ₱50,000. Whether you're salaried, self-employed, an OFW, or a BPO professional, BDO has loan structures designed to fit your employment type. The key is making sure you're on the most competitive rate available — not the one you accepted years ago.
Our sample computation above is based on a ₱3,000,000 outstanding balance with 20 years remaining. At 8.50%, your monthly amortization would be around ₱26,035. Refinancing to BDO's current 6.00% rate (or Nook's best available rate of 5.99%) could bring that down to roughly ₱22,195 — a saving of nearly ₱3,840 per month. Over the life of your loan, that adds up to over ₱691,000 in total interest savings. To understand the full picture of what BDO considers during assessment, you can also review BDO's complete housing loan requirements before you apply. Note: interest rates are subject to change — always verify current rates directly with the bank or through Nook before making a 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 2026 home loan rate starts at 6.00% p.a. for a 1-year fixed period for qualified borrowers. Rates vary depending on your loan amount, term, and credit profile, so actual offers may differ. Always confirm the latest rates with BDO directly or through a free broker like Nook.
After your fixed period expires, BDO will reprice your loan based on prevailing market rates at that time — which may be significantly higher than your original rate. Many borrowers are caught off guard when their monthly amortization jumps after repricing. This is often the best moment to refinance and lock in a new competitive rate.
Yes — you can refinance your BDO home loan either within BDO (internal refinancing) or by transferring to another bank offering a better rate. Nook compares both options for you at no cost, so you always know which move saves you the most money.
Savings depend on your outstanding balance, remaining term, and current rate. On a ₱3,000,000 loan with 20 years remaining at 8.50%, switching to 6.00% could save you around ₱3,840 per month — or over ₱691,000 over the loan's lifetime. Use Nook's free calculator to get a personalised estimate based on your actual numbers.
Yes, Nook's service is 100% free for borrowers. Nook is compensated by the banks, not by you, so there's no fee to compare rates, get matched to the best offer, or be guided through the application process. You get professional mortgage broker support at zero cost.
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