BDO offers a 1-year fixed rate of 6.00% p.a. — and through Nook, you can compare it against other top Philippine banks in minutes, 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 it remains a top choice for Filipino homeowners looking to refinance. BDO's current 1-year fixed rate sits at 6.00% p.a. — a genuinely competitive offer that could deliver significant relief if you're still paying the 8% to 9% rate you locked in several years ago. As a Nook partner bank, BDO also comes with the added benefit of faster processing coordination and dedicated broker support, all at zero cost to you. You can review the full BDO home loan interest rate guide for 2026 to understand how fixed and variable periods work and what to expect at repricing.
When comparing BDO's rates, it's important to understand the difference between fixed and variable options. A fixed rate locks your monthly payment for a set period — typically 1, 2, 3, or 5 years — giving you predictability and protection against rate increases. After that period, your loan reprices based on prevailing market rates. BDO's minimum qualifying income is P50,000 per month, and they accept a wide range of borrower types including employed professionals, government workers, BPO employees, OFWs, seafarers, and self-employed individuals. Loan purposes covered include refinancing, home equity, renovation, and purchase of RFO, pre-selling, and foreclosed properties. If you want to make sure you meet the documentation standards before applying, the complete BDO housing loan requirements guide walks through exactly what you'll need to prepare.
Through Nook, you can submit a single application and receive comparable offers from BDO and other leading Philippine banks — without paying any broker fee. Nook's team handles the coordination, the paperwork follow-up, and the bank negotiations on your behalf. Whether you're refinancing a P2 million condo in Makati or a P5 million house in a Cavite subdivision, the process is the same: apply once, compare real offers, and choose the rate that works best for your budget. Interest rates are subject to change; always confirm the latest applicable rate with your bank or Nook 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 current 1-year fixed home loan rate is 6.00% p.a. for both standard home purchase loans and home equity products. Rates are subject to change and may vary depending on your loan amount, term, and borrower profile — always confirm the latest rate with BDO directly or through Nook before locking in.
A fixed rate means your interest rate — and therefore your monthly amortization — stays the same for a defined period, such as 1, 2, 3, or 5 years. After that fixed period ends, your loan reprices to BDO's prevailing rate at the time. A variable rate, by contrast, can move with market conditions throughout the loan term. Most borrowers in the Philippines opt for fixed periods to enjoy payment stability in the early years.
BDO requires a minimum monthly income of P50,000 and accepts borrowers from a wide range of employment backgrounds, including private employees, government workers, BPO professionals, OFWs, seafarers, self-employed individuals, and licensed professionals. Your debt-to-income ratio should not exceed 40%, meaning your total monthly loan obligations — including the new home loan — should be below 40% of your gross monthly income.
Yes — refinancing to BDO is one of the most common requests Nook handles. If your current loan is with another bank and you're paying a rate above 6.00%, switching to BDO (or another Nook partner bank) could meaningfully reduce your monthly payment. Nook manages the entire refinancing coordination for free, from document collection to bank submission and approval follow-up.
BDO's typical loan approval timeline is approximately 30 days from the date of complete document submission. Processing times can vary depending on property type, borrower profile, and document completeness. Working through Nook can help streamline this process, as your Nook advisor will review your application for completeness before it reaches the bank, reducing the risk of delays caused by missing requirements.
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