BDO's 1-year fixed home loan rate starts at 6.00% p.a. — but most existing borrowers are still paying 7% to 10% after repricing. See exactly what you could save by refinancing through Nook, for free.
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Why this matters
BDO Unibank is one of the Philippines' largest home loan providers, and their published 2026 rates are competitive on paper — a 1-year fixed rate of 6.00% p.a. for qualified borrowers. The catch is that this rate applies to new loan applications and initial fixed periods. After your fixed period expires, your loan gets repriced based on prevailing market rates, which is exactly when most homeowners find themselves quietly paying 8%, 9%, or even 10% per year. If you took out your BDO home loan more than two or three years ago and haven't reviewed your rate since, there's a strong chance you're overpaying by a significant margin every single month.
Refinancing through Nook means applying to multiple banks — including BDO itself — simultaneously, at no cost to you. Nook's role as a digital mortgage broker is to match you with the best available rate across its panel of partner banks. The best refinance rate currently available through Nook is 5.99% p.a., and even moving from a repriced rate of 8.50% to 6.00% on a 3,000,000 peso balance could save you nearly 4,000 pesos every single month. If you're weighing your options, it's worth reading how UCPB and BDO home loan rates compare in 2026 before you commit to any one lender. You might also want to see the BDO vs PNB housing loan rate comparison to understand where BDO sits in the broader market.
To qualify for refinancing with BDO through Nook, you'll generally need a minimum monthly income of 50,000 pesos, and BDO accepts a wide range of employment types — including private employees, government workers, BPO staff, OFWs, seafarers, self-employed individuals, and licensed professionals. Loan purposes covered include refinancing, home equity, renovation, and purchase of RFO or pre-selling properties. Approval typically takes around 30 days, and BDO applies a maximum debt-to-income ratio of 40%. Please note that all interest rates quoted are subject to change — borrowers are encouraged to verify current rates directly with BDO or through Nook before applying.
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 1-year fixed home loan rate in 2026 is 6.00% p.a. for qualified borrowers applying through Nook. This rate applies at loan origination and during the fixed period — after the fixed term expires, your loan will be repriced based on prevailing rates, which are often higher. Always confirm the current rate schedule directly with BDO or through Nook before submitting your application.
It depends on your current rate, loan balance, and remaining term — but the savings can be substantial. A borrower with a 3,000,000 peso balance paying 8.50% could save nearly 4,000 pesos per month by refinancing to 6.00%, which adds up to over 47,000 pesos per year. Use Nook's free calculator to get a personalised estimate based on your actual loan details.
Yes, Nook's service is 100% free to the borrower. Nook is compensated by the bank when a loan is successfully facilitated, so there are no broker fees, application fees, or hidden charges on your end. You get access to multiple bank offers and expert guidance at no cost.
Yes — refinancing your BDO loan is one of the most common reasons Filipinos use Nook. If your current rate is above the best available refinance rate of 5.99% p.a., Nook can help you find a better deal, whether that's back with BDO or with another partner bank offering a more competitive rate. The process is fully digital and typically completes in around 30 days.
BDO requires a minimum monthly income of 50,000 pesos and applies a maximum debt-to-income (DTI) ratio of 40%, meaning your total monthly debt obligations — including the new home loan — should not exceed 40% of your gross monthly income. BDO accepts a wide range of applicant profiles including private and government employees, BPO workers, OFWs, seafarers, self-employed individuals, and licensed professionals.
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