Get 6.00% fixed rate through BDO and save thousands monthly on your existing home loan.
MONTHLY SAVINGS
No commitment. No credit check. Just your numbers.
Why this matters
BDO Unibank offers competitive home loan refinancing rates starting at 6.00% for qualified borrowers in 2026. As one of the Philippines' leading banks, BDO provides multiple loan products including 1-year fixed rate mortgages and home equity loans, both at the same attractive 6.00% rate. With minimum monthly income requirements of just 50,000 pesos and maximum debt-to-income ratio of 40%, BDO makes homeownership accessible to middle-class Filipino families.
Through Nook's partnership with BDO, you can access these competitive rates with streamlined processing that typically takes 30 days for approval. BDO accepts various employment types including private sector employees, government workers, BPO staff, OFWs, self-employed individuals, and professionals. Whether you're looking to refinance for home equity, purchase foreclosed properties, finance new construction, or renovate your existing home, BDO's refinancing options can help you achieve significant monthly savings.
Interest rates are subject to change and borrowers should verify current rates with BDO directly or through Nook's free broker service.
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 currently offers home loan rates starting at 6.00% for both 1-year fixed rate mortgages and home equity loans. These rates are available through BDO's partnership with Nook and represent some of the most competitive mortgage rates in the Philippine market.
Savings depend on your current rate and loan balance, but many borrowers save 2,000 to 6,000 pesos monthly. For a 3 million peso loan, refinancing from 8.75% to 6.00% saves approximately 4,850 pesos monthly or 58,200 pesos annually.
BDO requires a minimum monthly income of 50,000 pesos for home loan applications. They also maintain a maximum debt-to-income ratio of 40%, making their loans accessible to middle-income Filipino families across various employment sectors.
BDO typically processes home loan applications within 30 days for qualified borrowers. Through Nook's partnership, you can benefit from streamlined processing and expert guidance throughout the application process at no cost to you.
BDO accepts various employment types including private sector employees, government workers, BPO staff, OFWs and seafarers, self-employed individuals, and licensed professionals. This broad acceptance makes BDO an attractive option for many Filipino homebuyers and refinancing borrowers.
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