BDO's 1-year fixed home loan rate is 6.00% p.a. — but most existing BDO borrowers are still paying 8–10% from older loan vintages. Find out how much you could save by refinancing through Nook, free of charge.
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Why this matters
BDO Unibank is one of the Philippines' largest and most trusted home loan lenders, offering fixed-rate periods of 1, 3, 5, and 10 years before your loan reprices to prevailing market rates. For 2026, BDO's 1-year fixed rate starts at 6.00% p.a., making it one of the more competitive options available to Filipino homebuyers and refinancers. If you took out your BDO loan several years ago — or if your fixed period has already expired and you've been repriced upward — there's a strong chance you're paying significantly more than today's best rates. You can learn more about BDO's current product lineup in our BDO home loan interest rate guide for 2026.
Understanding BDO's repricing structure is critical for managing your long-term housing costs. Once your fixed period ends, BDO reprices your loan based on their prevailing rate at that time — which has historically landed borrowers in the 8–10% range. This is the moment many homeowners are caught off guard: monthly payments jump, and the extra interest compounds over the remaining loan term. Refinancing before or shortly after repricing can lock in a lower rate again and dramatically reduce your total interest paid over the life of the loan. Before you apply, it's also worth reviewing the BDO housing loan requirements so you know exactly what documents and qualifications are needed.
Through Nook, applying to refinance with BDO — or comparing BDO against other partner banks — is completely free. Nook's digital platform lets you submit one application and receive offers from multiple lenders, so you're never locked into a single bank's rate. BDO accepts borrowers from a wide range of employment types including private employees, government workers, BPO professionals, OFWs, seafarers, and the self-employed, with a minimum monthly income requirement of ₱50,000 and a typical approval timeline of around 30 days. Note that 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 for 2026 is 6.00% p.a., which also applies to their Home Equity product. Rates for longer fixing periods (3, 5, and 10 years) are typically higher to account for the extended rate guarantee. Always confirm the latest rates with BDO directly or through Nook, as these are subject to change without notice.
When your fixed period expires, BDO reprices your loan to their prevailing rate at the time of repricing — this is called the repricing date. Many borrowers who locked in rates years ago find that their repriced rate is significantly higher, sometimes in the 8–10% range. If you're approaching a repricing date, refinancing before it hits can help you lock in today's lower rates and avoid a payment increase.
Yes — Nook can help you refinance an existing BDO loan either back into BDO at a new, lower rate, or into another partner bank that may offer better terms for your situation. The entire Nook service is free to borrowers; Nook is compensated by the bank, not the applicant. You submit one application and Nook handles the comparison and coordination on your behalf.
BDO requires a minimum monthly income of ₱50,000 and a maximum debt-to-income (DTI) ratio of 40%. Eligible borrowers include private employees, government workers, BPO professionals, OFWs, seafarers, self-employed individuals, and professionals. You'll need standard income documents, property titles, and existing loan statements — Nook's team can guide you through the full checklist.
On a ₱3,000,000 loan with 20 years remaining, refinancing from 8.50% down to 6.00% reduces your monthly payment by roughly ₱3,946 — that's over ₱47,000 saved in the first year alone. Over the remaining loan term, total interest savings can exceed ₱700,000. Your actual savings depend on your outstanding balance, remaining term, and the rate you qualify for through Nook.
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