BDO home loan rates start at 6.00% p.a. for 2026 — but through Nook, eligible borrowers can access rates as low as 5.99% p.a. See how much you could save by refinancing.
SAMPLE SAVINGS ON A BDO HOME LOAN
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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 of 1 year and home equity loan products at 6.00% p.a. for 2026. If you took out your BDO home loan two or more years ago, there's a strong chance you're currently paying a repriced variable rate that sits well above that — many existing borrowers are carrying rates between 8% and 10%. That gap translates directly into thousands of pesos leaving your pocket every single month. Refinancing your BDO loan, either back to BDO at a new fixed rate or to another competitive bank, is one of the most effective ways to reduce that burden immediately. You can review the full picture in our BDO home loan interest rate guide for 2026, which covers all fixed periods and repricing mechanics in detail.
Through Nook, applying for a BDO home loan refinance is straightforward and completely free for borrowers. BDO accepts applications from a wide range of employment types — private employees, government workers, BPO professionals, OFWs, seafarers, self-employed individuals, and licensed professionals — with a minimum monthly income requirement of 50,000 and a maximum debt-to-income ratio of 40%. Typical approval takes around 30 days, and BDO's loan purposes include refinancing, home equity, new construction, renovation, pre-selling, and ready-for-occupancy properties. If you want to make sure you have everything in order before applying, our complete guide to BDO housing loan requirements walks through every document and eligibility condition you need to meet.
Nook acts as your digital mortgage broker, comparing BDO's offer against rates from over a dozen Philippine banks to ensure you get the best available deal — not just the first one offered. We handle the paperwork coordination, bank submissions, and follow-ups on your behalf at zero cost to you. Whether you choose to refinance with BDO or switch to another Nook partner bank offering a sharper rate, our goal is the same: put as much of your hard-earned money back in your pocket as possible. Interest rates are subject to change; always verify the current applicable rate 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 current fixed rate for 2026 starts at 6.00% p.a. for a 1-year fixed period and for home equity loans. After the fixed period ends, your loan reprices to BDO's prevailing variable rate, which is why many borrowers refinance at repricing time to lock in a competitive rate again.
Yes — refinancing to a different bank is entirely legal and common in the Philippines. Through Nook, you can compare BDO's refinance rate against offers from BPI, Metrobank, Security Bank, RCBC, and other partner banks to find the lowest available rate for your loan profile. Nook's service is 100% free to borrowers.
Savings depend on your outstanding loan balance, remaining term, and the difference between your current rate and the new rate. On a 3,000,000 loan with 20 years remaining, switching from 8.50% to 6.00% can save over 3,800 pesos per month — nearly 694,800 over the life of the loan. Use Nook's free calculator to get a personalised estimate.
BDO requires a minimum monthly income of 50,000, a debt-to-income ratio of no more than 40%, and standard documentation including proof of income, government-issued ID, and property documents. Employment types accepted include private employees, government workers, BPO staff, OFWs, seafarers, self-employed individuals, and licensed professionals. See the full list of requirements in our detailed guide.
BDO's typical approval timeline is around 30 days from the submission of a complete application. Nook helps you prepare and submit all required documents correctly the first time, which reduces the risk of delays caused by incomplete submissions. Our team follows up with the bank on your behalf throughout the process.
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