Get better rates than BDO's standard offerings through our network of partner banks, including BDO's competitive refinancing programs.
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Why this matters
BDO Unibank remains one of the Philippines' most trusted banks for home loans, but their current market rates may not be your best option for refinancing. Through Nook's partner network, including BDO's own competitive refinancing programs, you can access rates as low as 6.00% - significantly better than typical BDO retail rates of 8-10%. Our BDO refinancing guide shows how existing BDO customers can often qualify for better terms.
Whether you currently have a BDO home loan or are considering switching to BDO, Nook's free broker service helps you compare all available options. BDO's partner rates through our platform offer 1-year fixed terms at 6.00% with accessible requirements - minimum monthly income of just 50,000 pesos and typical 30-day approval times. We'll handle the paperwork and negotiations to ensure you get the most competitive rate available, whether that's with BDO or another top-tier bank.
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 standard home loan rates typically range from 8-10% depending on your loan type and profile. However, through Nook's partner network, including BDO's refinancing programs, qualified borrowers can access rates as low as 6.00% with 1-year fixed terms and competitive home equity options.
Yes, existing BDO customers can often qualify for better rates through refinancing, either with BDO's updated programs or by switching to another partner bank. Nook helps you compare all options and handles the application process completely free of charge.
BDO's partner refinancing programs through Nook require a minimum monthly income of 50,000 pesos with a maximum debt-to-income ratio of 40%. They accept various employment types including private employees, government workers, BPO staff, OFWs, and self-employed professionals.
BDO's typical approval process takes around 30 days for qualified applicants. Through Nook's streamlined application process, we help ensure your documentation is complete and properly submitted to minimize delays and maximize your approval chances.
BDO offers competitive rates and reliable service, but the best choice depends on your specific situation and current market conditions. Nook compares rates from BDO and all major Philippine banks to find you the lowest available rate, ensuring you make the most informed decision for your financial future.
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