BDO offers a 1-Year Fixed Rate of 6.00% p.a. — and through Nook, you can find out in minutes if refinancing your existing loan could save you thousands every month, completely free.
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Why this matters
BDO Unibank is one of the Philippines' largest and most trusted home loan providers, and in 2026 their rates remain highly competitive. BDO's 1-Year Fixed Rate starts at 6.00% p.a., making it an attractive option for homeowners looking to reduce their monthly amortization — whether they're taking out a new loan or refinancing an existing one. BDO accepts a wide range of borrower profiles including privately employed workers, government employees, 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 currently have a home loan with another bank at a rate of 8%, 9%, or even higher, refinancing to BDO could dramatically cut what you pay every month. On a ₱3,000,000 loan with 20 years remaining, moving from 9.00% to 6.00% could reduce your monthly payment by nearly ₱5,000 — that's real money back in your pocket each month, adding up to close to ₱900,000 over the life of your loan. Nook makes the process simple: we compare BDO's offer alongside other leading banks, handle the paperwork, and never charge you a cent for our service. Before you decide, it also helps to understand whether a fixed or variable rate is the right fit for your situation.
Getting started is straightforward. BDO supports loan purposes including refinancing, home equity, renovation, new construction, pre-selling, RFO, reselling, and foreclosed properties — so whatever your goal, there's likely a BDO product that fits. If you're wondering what documents you'll need to submit, check out the complete BDO home loan requirements checklist for employed and self-employed borrowers. Apply through Nook and we'll guide you through every step, from eligibility check to bank submission, at zero cost to you. Note: Interest rates are subject to change — always verify current rates with BDO 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 1-Year Fixed Rate for home loans in 2026 starts at 6.00% p.a. This applies to both new home loan applications and refinancing. Rates are subject to change, so we recommend checking with Nook or BDO directly for the most up-to-date figures before you apply.
BDO accepts a broad range of borrowers including privately employed workers, government employees, BPO professionals, OFWs, seafarers, self-employed individuals, and licensed professionals. You'll need a minimum monthly income of ₱50,000 and your total debt obligations should not exceed 40% of your gross monthly income (DTI ratio).
BDO typically processes and approves home loan applications within 30 days, provided all required documents are submitted in order. Applying through Nook can help streamline this — our team reviews your documents before submission to minimize back-and-forth with the bank.
Yes — refinancing is one of the loan purposes BDO supports, and Nook specializes in exactly this. We compare BDO's refinance offer with other partner banks to find you the best rate, handle the paperwork, and manage the process from start to finish. Our service is 100% free to borrowers.
In many cases, yes — especially if your current rate is significantly higher than 6.00%. The earlier you refinance, the more interest you save over the remaining life of your loan. Nook can run a free savings calculation for your specific loan balance and rate so you can see exactly how much you stand to gain before committing to anything.
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