BDO offers a 1-year fixed rate of 6.00% p.a. — if you're currently paying 8% or more, refinancing through Nook could save you thousands of pesos every month at zero cost to you.
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Why this matters
BDO Unibank is one of the Philippines' most accessible home loan providers, accepting borrowers from a wide range of employment types — including private employees, government workers, BPO professionals, OFWs, seafarers, and the self-employed. In 2026, BDO's 1-year fixed home loan rate stands at 6.00% p.a., making it one of the more competitive options available for both new purchases and refinancing. Whether you're buying a ready-for-occupancy unit, pre-selling condo, or looking to tap your home's equity, BDO's product lineup covers most borrower needs — with a minimum monthly income requirement of P50,000 and a typical approval timeline of around 30 days.
Understanding the difference between fixed and variable rates is critical before you commit to any home loan. A fixed rate locks in your monthly amortization for the agreed period (typically 1, 2, 3, or 5 years), giving you payment certainty and protection from rate increases. After the fixed period, the rate reprices based on prevailing market conditions. For most Filipino borrowers who plan to refinance regularly, a shorter fixed-rate term — like BDO's 1-year fixed at 6.00% — allows flexibility to switch lenders or renegotiate before rates reset higher. If you want a deeper breakdown of which structure suits your situation, read our guide on BDO fixed vs variable rates in the Philippines for 2026.
If you already have an existing home loan — whether with BDO or another bank — and your current rate is above 7%, there's a strong case for refinancing now. Nook compares offers from BDO and other partner banks to find the lowest rate you qualify for, handles all the paperwork, and charges you absolutely nothing for the service. To make sure you're ready to apply, check out the complete BDO home loan requirements checklist for 2026 so you know exactly what documents to prepare. Rates are subject to change — always verify the latest figures directly with BDO or through Nook before making a decision.
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. as of 2026, which also applies to their Home Equity loan product. Rates are subject to change, so it's worth confirming the latest figures with BDO directly or through a broker like Nook who tracks partner bank rates in real time.
A fixed rate gives you predictable monthly payments and protects you from rate increases during the lock-in period — ideal if you value budgeting certainty or plan to refinance when the fixed term ends. A variable rate can be lower initially but fluctuates with market conditions, which adds repayment risk. Most borrowers in the Philippines opt for short-term fixed periods (1–3 years) and refinance regularly to capture better rates.
On a 3,000,000 loan with a 20-year remaining term, moving from 8.00% to 6.00% could reduce your monthly payment by roughly 3,535 pesos — that's over 42,000 pesos saved in the first year alone. Over the full loan term, the cumulative interest savings can exceed 600,000 pesos depending on how often you refinance.
BDO accepts applications from a wide range of borrowers including private employees, government workers, BPO professionals, OFWs, seafarers, self-employed individuals, and licensed professionals. The minimum monthly income requirement is P50,000, and your total debt-to-income ratio (DTI) should not exceed 40% of your gross monthly income.
Yes — Nook is a digital mortgage broker that earns a fee from the bank, not from you. You get access to BDO and other partner banks' home loan products, a full rate comparison, and end-to-end application support at zero cost. There are no hidden charges, broker fees, or commissions billed to the borrower.
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