BDO home loan rates start at 6.00% p.a. (1-year fixed) — but if you took out your loan a few years ago, you could be paying 8–10% or more. Refinancing through Nook takes minutes and costs you nothing.
YOUR POTENTIAL SAVINGS
No commitment. No credit check. Just your numbers.
Why this matters
BDO Unibank is one of the Philippines' largest and most trusted home loan providers, offering fixed-rate terms of 1, 3, and 5 years with competitive starting rates. Their 1-year fixed rate of 6.00% p.a. is among the most accessible in the market, making BDO a popular choice for homebuyers and refinancers alike. BDO also accepts a wide range of borrower profiles — from private employees and government workers to OFWs, self-employed professionals, and BPO workers — with a minimum monthly income requirement of P50,000 and a maximum debt-to-income ratio of 40%. If you want to understand the full document checklist for employed and self-employed applicants, Nook has a complete guide to walk you through it.
The fixed vs. variable rate question is one of the most important decisions a Filipino homeowner will make. A fixed rate gives you payment certainty — your monthly amortization stays the same for the duration of your fixed period, whether that's 1, 3, or 5 years. BDO's 3-year fixed rate is 6.75% p.a. and their 5-year fixed rate is 7.00% p.a., both of which are strong options if you want longer-term stability. After your fixed period ends, the rate reprices — and that's often when homeowners discover they've drifted far above the market rate. Refinancing at that repricing point can generate significant savings. For a deeper breakdown of how to choose between fixed and variable, see our guide on BDO home loan interest rates in 2026: fixed vs variable, which is better.
Applying for a BDO home loan refinance through Nook is completely free — Nook is compensated by the bank, never by the borrower. Our digital platform lets you compare BDO's rates alongside other partner banks, submit your documents online, and get matched to the best available offer for your income and loan profile. With typical BDO approval timelines of around 30 days and loan purposes that include refinancing, home equity, renovation, and more, you have real flexibility to structure the deal that works best for you. Interest rates are subject to change; always verify the latest rates with your Nook advisor before finalising any 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
As a Nook partner bank, BDO currently offers a 1-year fixed rate of 6.00% p.a., a 3-year fixed rate of 6.75% p.a., and a 5-year fixed rate of 7.00% p.a. These are among the most competitive rates available in the Philippine market. Note that interest rates are subject to change — confirm the latest figures with a Nook advisor before applying.
A 1-year fixed rate gives you the lowest starting rate (6.00%) but means your rate reprices annually, so your payments could rise if market rates go up. A 3-year or 5-year fixed period costs slightly more upfront (6.75% and 7.00% respectively) but locks in payment certainty for longer — useful if you're on a tight budget or expect rates to rise. The right choice depends on your financial goals, risk tolerance, and how long you plan to keep the property.
On a 3,000,000 loan with 20 years remaining, switching from a 9.00% rate to BDO's 6.00% 1-year fixed rate could save you roughly 4,797 per month — that's over 57,000 per year and nearly 863,000 over the life of the loan. Your actual savings will vary based on your current rate, remaining balance, and term. Use Nook's free calculator to get a personalised estimate.
BDO accepts a broad range of borrower types including private employees, government workers, BPO employees, OFWs and seafarers, self-employed individuals, and licensed professionals. The minimum monthly income requirement is P50,000, and your total debt obligations should not exceed 40% of your gross monthly income. If you're an OFW, Nook also has a dedicated guide covering BDO housing loan OFW requirements and refinance options.
Yes — Nook's service is 100% free for borrowers. Nook earns a referral fee from the bank when your loan is successfully processed, so you never pay a broker fee or application charge. You get access to multiple bank offers, guided document preparation, and end-to-end support at no cost to you.
Check your exact savings in 60 seconds. It's free and takes no commitment.
Check My Savings Now →