BDO's 1-year fixed home loan rate starts at 6.00% p.a. — but if you took out your loan a few years ago, you could be paying significantly more. Nook helps you refinance for free and find the lowest rate available today.
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Why this matters
BDO Unibank is one of the Philippines' largest and most trusted home loan providers, and for 2026 they're offering a 1-year fixed rate of 6.00% p.a. — one of the more competitive rates in the market. This rate applies to both new home purchases and refinancing, making it a strong option if your current loan is repricing at a higher rate. BDO accepts borrowers across a wide range of employment types, including private employees, government workers, BPO staff, OFWs, seafarers, self-employed individuals, and licensed professionals, with a minimum monthly income requirement of ₱50,000. For a full breakdown of eligibility criteria, see our complete guide to BDO housing loan requirements.
If you originally took out your home loan when rates were at 8%, 9%, or even 10%, refinancing to BDO's current 6.00% fixed rate could mean thousands of pesos back in your pocket every single month. On a ₱3,000,000 loan with 20 years remaining, dropping from 8.50% to 6.00% saves over ₱3,000 per month — that's more than ₱36,000 a year without changing your lifestyle at all. BDO typically processes refinancing applications within 30 days, and their maximum debt-to-income ratio of 40% means most working Filipinos with stable income will qualify. You can also use your approved loan for renovation, home equity cash-out, or to refinance foreclosed and pre-selling properties.
Applying through Nook is completely free — we're a licensed mortgage broker that does the legwork of comparing rates, preparing your documents, and coordinating with BDO on your behalf. There's no broker fee charged to you, ever. If you want to understand how BDO's rates compare across different fixed periods and what the refinancing process looks like step by step, our BDO home loan interest rate and refinancing guide covers everything in detail. Interest rates are subject to change — we recommend verifying current rates with Nook or directly with BDO before making any financial 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., which also applies to home equity loans. This is among the more competitive rates currently available from a major Philippine bank. Note that rates are subject to change, so it's best to confirm the latest figures through Nook or directly with BDO before applying.
BDO accepts a broad range of borrower profiles, including private employees, government workers, BPO employees, OFWs, seafarers, self-employed individuals, and licensed professionals. The minimum monthly income requirement is ₱50,000, and your total debt payments (including the new mortgage) must not exceed 40% of your gross monthly income. Loan purposes covered include refinancing, home equity, renovation, new construction, pre-selling, RFO, reselling, and foreclosed properties.
BDO's typical approval timeline for a home loan refinance is around 30 days from the submission of complete documents. When you apply through Nook, our team helps you prepare and organise your documents correctly the first time, which can help avoid delays caused by incomplete submissions. We also follow up with the bank on your behalf so you don't have to chase anyone.
Yes — Nook's mortgage brokerage service is 100% free to the borrower. We earn a referral fee from the bank upon successful loan release, not from you. You get access to Nook's full support — rate comparison, document preparation, and application follow-up — at no cost whatsoever.
The right fixed period depends on your financial goals and risk tolerance. A 1-year fixed period gives you the chance to reprice sooner if rates drop further, but exposes you to rate increases after 12 months. Longer fixed periods offer more payment stability, which is ideal if you prefer predictable monthly budgeting. Nook's advisors can help you model out which option makes the most sense for your specific loan amount and situation.
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