BDO offers a 1-year fixed rate of 6.00% p.a. — and through Nook, Filipino homeowners can compare, apply, and refinance for completely 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 predictability and peace of mind. For 2026, BDO's 1-year fixed home loan rate stands at 6.00% p.a., making it one of the more competitive options available in the market today. Whether you're buying a ready-for-occupancy unit, refinancing an existing loan, or tapping your home equity, BDO's flexible loan purposes and accessible minimum monthly income requirement of P50,000 mean more Filipino families can qualify. Typical loan approval takes around 30 days, and BDO accepts a wide range of employment types including private employees, government workers, BPO professionals, OFWs, seafarers, and the self-employed.
If you're currently paying an interest rate above 7% on your home loan — whether with BDO or another bank — refinancing could save you tens of thousands of pesos every year. Many homeowners locked in rates of 8% to 10% in previous years and haven't revisited their options since. On a 3,000,000 loan with 20 years remaining, moving from 8.50% down to 6.00% could reduce your monthly amortization by nearly 4,000 pesos. Over the life of your loan, that adds up to significant savings you could redirect toward your family, investments, or home improvements. You can also explore how BDO stacks up against other lenders — for example, see our BDO vs PNB housing loan rates comparison or check out the BDO vs Chinabank vs Robinsons Bank breakdown to understand your full range of options.
Applying through Nook means you get access to BDO and other partner banks through a single free application — no broker fees, no hidden charges. Nook's mortgage specialists handle the paperwork, follow up with the bank on your behalf, and help you compare offers side by side so you always get the best deal available. Interest rates are subject to change; we recommend verifying current rates directly with BDO or through Nook 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 current 1-year fixed home loan rate is 6.00% p.a. for 2026. This rate applies to both new home purchases and refinancing, including home equity loans. Rates are subject to change, so it's best to confirm the latest figures through Nook or directly with BDO before applying.
On a 3,000,000 loan with 20 years remaining, switching from an 8.50% rate to 6.00% could reduce your monthly payment by roughly 3,880 pesos — that's over 46,000 pesos in savings every year. The exact amount depends on your outstanding balance, remaining term, and current interest rate.
BDO requires a minimum monthly income of P50,000 and a maximum debt-to-income (DTI) ratio of 40%. BDO accepts borrowers across a wide range of employment types, including private employees, government workers, BPO staff, OFWs, seafarers, self-employed individuals, and professionals.
BDO's typical loan approval timeline is around 30 days from submission of complete documents. Having all your requirements ready — including income documents, property titles, and tax declarations — can help speed up the process. Nook's team can guide you on exactly what to prepare.
The best bank for your refinance depends on your loan amount, income profile, and how long you plan to stay in your home. BDO is a strong choice with its 6.00% rate and broad eligibility criteria, but it's worth comparing — see our RCBC vs BDO refinancing comparison for a detailed side-by-side view. Nook can compare multiple banks for you at no cost so you can make an informed decision.
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