BDO's 1-year fixed home loan rate starts at 6.00% p.a. — but if you're still on an old rate, you could be paying thousands more every month than you need to. Nook helps you compare and refinance for free.
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Why this matters
BDO Unibank is one of the Philippines' largest and most trusted home loan providers, offering fixed-rate periods that give borrowers predictable monthly payments for 1, 2, 3, 5, or 10 years. For 2026, BDO's 1-year fixed rate is 6.00% p.a. — a competitive option for both new purchases and refinancing. However, many existing BDO borrowers who took out loans several years ago may still be locked into repriced rates of 8% to 10% or higher, which means they could be significantly overpaying every month without realising it. If your fixed period has already lapsed, your loan has likely been repriced to a variable rate that could be eating into your budget. Understanding how BDO's rate repricing works is the first step to knowing whether refinancing makes sense for you.
Refinancing your BDO home loan — whether staying with BDO or switching to another lender — can unlock substantial savings, especially if you have 15 or more years remaining on your term. Nook is the Philippines' first digital mortgage broker, and our service is completely free to borrowers. We compare BDO alongside other leading banks to find you the lowest rate available, handle your application paperwork, and coordinate directly with the banks on your behalf. BDO accepts applications from a wide range of borrowers including private employees, government workers, OFWs, seafarers, self-employed professionals, and BPO workers, with a minimum monthly income requirement of ₱50,000 and a maximum debt-to-income ratio of 40%. Typical approval takes around 30 days. If you're unsure whether you qualify, our complete guide to BDO housing loan requirements walks you through everything you need to prepare.
The savings from refinancing can be significant. On a ₱3,000,000 loan with 20 years remaining, moving from an 8.50% rate to 6.00% saves over ₱4,000 per month — that's nearly ₱49,000 a year and close to ₱733,000 over the remaining loan term. Even if you only have 10 or 15 years left, the numbers still add up quickly. Nook makes it easy to see your personalised savings estimate in minutes, with no commitment required. Interest rates are subject to change, so we always recommend verifying the latest rates directly with your bank or through Nook before making any decisions.
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 for 2026 is 6.00% p.a. for both standard home purchase loans and home equity loans. Rates for longer fixed periods (2, 3, 5, or 10 years) will vary, and all rates are subject to change — we recommend confirming the latest figures directly with BDO or through Nook before applying.
Once your fixed-rate period expires, BDO will reprice your loan based on their prevailing rate at that time, which is typically linked to a benchmark plus a spread. This new rate can be significantly higher than your original fixed rate, which is why many borrowers find it worthwhile to refinance at the point of repricing. Nook can help you compare your options before your next repricing date so you're not caught off guard.
Yes — refinancing your BDO loan with another bank is entirely legal and common in the Philippines. If another lender offers a lower rate or better terms, switching can save you a substantial amount over the remaining life of your loan. Nook compares BDO with other partner banks including BPI, Security Bank, Metrobank, and more, so you can see all your options in one place at no cost.
For refinancing with BDO, you'll generally need to meet a minimum monthly income of ₱50,000, have a debt-to-income ratio of no more than 40%, and be employed in an eligible category (private, government, BPO, OFW, self-employed, or professional). You'll also need documents such as payslips, ITR, and your existing loan statement of account. Nook's team will guide you through exactly what to prepare based on your profile.
Yes, Nook's service is 100% free for borrowers — there are no broker fees, application fees, or hidden charges for using Nook to compare and apply for a home loan or refinancing. Nook earns a referral fee from the bank when a loan is successfully approved, so you get expert guidance and bank comparison at zero cost to you.
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