BDO offers home loan rates from 6.00% p.a. — but many existing borrowers are still paying 8% or more after repricing. See how much you could save by refinancing through Nook for free.
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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 typically ranging from 1 to 5 years. In 2026, BDO's published 1-year fixed rate starts at 6.00% p.a. — a competitive entry point for new borrowers. However, once your fixed period ends and your loan reprices, many BDO borrowers find themselves locked into rates of 8% to 10% or higher, often without realising how much that adds to their monthly payment. If your loan has already repriced — or is about to — it's worth checking whether refinancing could put you on a better rate. You can review BDO's current home loan rates and refinancing options to understand exactly where you stand.
Refinancing your BDO home loan means taking out a new loan — either with BDO or another lender — at a lower interest rate, which reduces your monthly amortisation and your total interest paid over the life of the loan. As a Nook partner bank, BDO is part of our panel of lenders, which means we can submit your application directly and handle the paperwork on your behalf at no cost to you. Nook compares rates across multiple Philippine banks so you always see the best available offer, not just one lender's product. Typical approval through BDO takes around 30 days, and eligibility requirements include a minimum monthly income of ₱50,000 and a debt-to-income ratio of no more than 40%. If you want to check what documents you'll need, see our complete guide to BDO housing loan requirements.
The savings from refinancing can be substantial. On a ₱3,000,000 loan with 20 years remaining, dropping from 8.50% to 5.99% reduces your monthly payment by nearly ₱3,900 — that's over ₱46,000 saved every year. Across the remaining term of your loan, that difference compounds into hundreds of thousands of pesos. Whether you're currently with BDO or another bank, Nook can help you find out if a better rate exists — and handle the switch completely free of charge. Interest rates are subject to change; we recommend verifying current rates directly with Nook or BDO 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 1-year fixed home loan rate starts at 6.00% p.a. in 2026 for new borrowers. Rates for longer fixed periods or equity loans may vary, and all rates are subject to change — so it's worth verifying the latest figures directly through Nook or BDO before applying.
When your fixed-rate period expires, BDO reprices your loan based on prevailing market rates at that time, which are typically higher than your original rate. Many borrowers see their rate jump to 8%–10% or more after repricing, which significantly increases monthly repayments. This is one of the most common reasons Filipinos refinance their home loans.
Yes — Nook compares home loan refinancing rates across multiple Philippine banks, including BDO and other lenders, and submits your application to whichever bank offers the best rate for your situation. The service is 100% free to borrowers, and you're not obligated to stay with your current lender. Switching banks through refinancing is a straightforward process that Nook manages end-to-end.
BDO requires a minimum monthly income of ₱50,000 and a debt-to-income (DTI) ratio of no more than 40%. BDO accepts a wide range of employment types including private employees, government workers, BPO staff, OFWs, seafarers, self-employed individuals, and licensed professionals. Nook can assess your eligibility in minutes and match you with the right lender.
BDO typically processes home loan applications within 30 days. When you apply through Nook, our mortgage specialists prepare and submit your complete application package, follow up with the bank on your behalf, and keep you updated throughout — reducing delays caused by missing documents or incomplete submissions. Because Nook's service is free, there's no downside to having an expert handle the process for you.
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