BDO offers home loan rates starting at 6.00% p.a. — but through Nook, you could access rates as low as 5.99% p.a. and find out in minutes if you qualify for a better deal. Our service is completely free.
ESTIMATED MONTHLY 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, and for 2026 they're offering a 1-year fixed rate of 6.00% p.a. — a competitive option for both new borrowers and those looking to refinance. If you're currently on an older BDO loan that repriced at 8%, 9%, or higher, you may be significantly overpaying every single month without realising it. Many Filipino homeowners locked into rates from 2019–2023 are still carrying rates of 8.50% or more, and haven't revisited their options since. For a full breakdown of what BDO currently offers across loan types and purposes, see our BDO home loan interest rate guide for 2026.
Refinancing your home loan — whether you move to a lower BDO rate or switch to another partner bank — can produce meaningful monthly savings. On a ₱3,000,000 outstanding balance with 20 years remaining, moving from 8.50% to 5.99% reduces your monthly payment by over ₱3,000. That's money that stays in your pocket every month, adding up to hundreds of thousands of pesos over the life of your loan. BDO accepts borrowers across a wide range of employment types including private employees, government workers, OFWs, seafarers, self-employed professionals, and BPO workers — with a minimum monthly income requirement of ₱50,000 and a typical approval timeline of around 30 days.
Nook is the Philippines' first digital mortgage broker, and we work with BDO and other top Philippine banks to find you the most competitive refinancing rate available — at no cost to you. There are no broker fees, no hidden charges, and no obligation. If you want to understand exactly what documents and qualifications BDO requires before you apply, our complete guide to BDO housing loan requirements walks you through everything step by step. Whether you stay with BDO or refinance elsewhere, Nook gives you the information and access to make the right call. Note: Interest rates are subject to change. Please verify current rates with your bank 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, which applies to both new purchases and refinancing. Rates are subject to repricing after the fixed period ends, so it's important to understand the terms before committing. Through Nook, you can compare BDO's rate against other top Philippine banks to make sure you're getting the best deal available.
Yes — if your current BDO rate is higher than 6.00%, you may be eligible to refinance either within BDO or with another lender. Refinancing replaces your existing loan with a new one at a lower interest rate, which reduces your monthly payment and total interest paid over time. Nook can assess your situation for free and tell you exactly how much you could save.
BDO requires a minimum monthly income of ₱50,000 and a maximum debt-to-income ratio of 40%. They accept borrowers across many employment categories including private employees, government workers, OFWs, BPO workers, self-employed individuals, and licensed professionals. For a detailed breakdown of documentation and application steps, visit our BDO housing loan requirements guide.
BDO's typical approval timeline for home loans and refinancing is around 30 days, assuming all required documents are submitted correctly and in full. Incomplete applications or missing documents are the most common cause of delays. Working with Nook can help streamline the process — we help you prepare your documents properly before submission to avoid back-and-forth with the bank.
Yes, Nook's service is 100% free for borrowers — there are no broker fees, application charges, or hidden costs at any stage. Nook earns a referral fee from the bank only when a loan is successfully approved, so you never pay anything out of pocket. You get access to rates from multiple top Philippine banks, including BDO, all in one place.
Check your exact savings in 60 seconds. It's free and takes no commitment.
Check My Savings Now →