BDO's 2026 home loan rates start at 6.00% p.a. — but through Nook, eligible borrowers can access rates as low as 5.99% p.a. and compare offers across multiple lenders for free.
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Why this matters
BDO Unibank is one of the Philippines' largest home loan providers, and their 2026 fixed rate schedule reflects a competitive lending environment. BDO's current 1-year fixed rate sits at 6.00% p.a., applicable to both standard home loans and home equity loans. This rate applies during the fixed period — after which your loan reprices to BDO's prevailing rate, which can move higher depending on market conditions. Understanding how BDO's repricing schedule works is critical before you commit, especially if you took out your loan two to five years ago when rates were considerably higher. You can find a full breakdown of current figures in our BDO home loan interest rate 2026 guide.
Many Filipino homeowners carrying BDO loans originated between 2019 and 2022 are still paying rates of 7.50% to 9.00% — often because they rolled into a variable or repriced rate without realising the jump. If your monthly amortisation feels heavier than it should, refinancing could reset your rate to today's lower levels and free up significant cash each month. BDO itself offers refinancing, and as a Nook partner bank, their loans are available through our platform at no cost to you. Nook acts as a licensed mortgage broker, handling the paperwork and lender comparison so you don't have to navigate it alone. For a complete breakdown of what BDO requires from applicants, see our BDO housing loan requirements guide.
Nook's service is completely free to borrowers. We are compensated by the bank — not by you — which means you get independent advice, rate comparisons, and full application support without any broker fees. Whether you stay with BDO or switch to another partner lender offering a sharper rate, Nook helps you make the decision with full information. Interest rates are subject to change; always verify the latest figures directly with BDO or through Nook before proceeding.
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 for 2026 is 6.00% p.a., applicable to both standard home purchase loans and home equity loans. After the fixed period ends, your loan will be repriced based on BDO's prevailing rate at that time. It's worth reviewing your loan schedule now so you're not caught off guard at your next repricing date.
BDO offers fixed rate periods — typically 1, 2, 3, or 5 years — after which your interest rate is reset to the bank's current offering for the remainder of your loan term. If rates have risen since you first took out the loan, your monthly payment will increase at repricing. Many borrowers find it worthwhile to refinance before repricing rather than accept a higher rate passively.
Yes — and BDO accepts refinancing applications both from existing customers and from borrowers moving from other banks. Through Nook, you can apply to refinance with BDO or compare offers from other partner banks to find the most competitive rate available to you. The entire process is free for the borrower, and Nook handles all coordination with the lender.
BDO requires a minimum monthly income of 50,000 pesos and accepts borrowers across a wide range of employment types, including private employees, government workers, BPO staff, OFWs, seafarers, self-employed individuals, and licensed professionals. Approval typically takes around 30 days, and BDO applies a maximum debt-to-income ratio of 40%. For a full checklist of documents and eligibility criteria, see our detailed guide on BDO housing loan requirements.
Yes, completely free. Nook is a licensed mortgage broker compensated directly by partner banks — not by the borrower — so you pay zero broker fees regardless of which lender you end up with. You get rate comparisons, application assistance, and dedicated support throughout the process at no cost to you.
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