BDO offers a 1-year fixed rate of 6.00% p.a. for refinancing — and through Nook, you can apply for free and find out if you qualify in minutes.
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Why this matters
BDO Unibank is one of the Philippines' largest home loan lenders, offering both fixed and variable rate options for homebuyers and homeowners looking to refinance. For 2026, BDO's 1-year fixed rate sits at 6.00% p.a. — one of the most competitive rates available from a major Philippine bank. After the fixed period ends, your loan reprices to a variable rate based on prevailing market conditions, which is why many borrowers choose to refinance again before the refix kicks in. If you're currently on an older fixed rate of 8% or higher, the difference in monthly payments can be substantial. For a ₱3,000,000 loan with 20 years remaining, moving from 8.50% to 6.00% could save you nearly ₱4,000 every month. You can explore how BDO's fixed and variable rates compare to decide which structure suits your financial goals.
Applying for a BDO home loan refinance through Nook is completely free. Nook acts as your digital mortgage broker — comparing BDO's offer alongside other partner banks so you always get the most competitive deal without doing the legwork yourself. BDO accepts borrowers from a wide range of employment categories including private employees, government workers, BPO professionals, OFWs, seafarers, self-employed individuals, and licensed professionals. The minimum monthly income requirement is ₱50,000, and BDO typically completes loan approvals within 30 days. To understand exactly what documents you'll need to prepare, see our complete BDO housing loan requirements and income eligibility guide.
Whether your goal is to lower your monthly amortisation, shorten your loan term, or access your home equity for renovations or other needs, refinancing through Nook gives you a structured, guided path from application to approval. BDO supports a range of loan purposes under refinancing including home equity takeout, renovation financing, and standard rate-reduction refinancing. There are no broker fees charged to you at any stage — Nook is compensated by the bank, not the borrower. Interest rates are subject to change; always verify the current rate with BDO or your Nook advisor before finalising your application.
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 current 1-year fixed rate for home loans and refinancing is 6.00% p.a. for 2026. This rate applies to both new home purchases and existing loans being refinanced through BDO. Rates are subject to change, so it's worth confirming the latest rate with a Nook advisor before you apply.
Once your fixed-rate period expires, BDO will reprice your loan to a variable rate based on prevailing market conditions at the time of repricing. Many borrowers use this moment as an opportunity to refinance again — either back to a new fixed term with BDO or to a competing bank offering a better rate. Nook can help you evaluate your options at least 6 months before your refix date.
Yes — if you have at least 10 years remaining on your loan and a balance of ₱1,500,000 or more, refinancing from 8% to 6.00% can generate meaningful savings. On a ₱3,000,000 loan over 20 years, that difference amounts to roughly ₱4,000 less per month. Use Nook's free calculator to see your personalised savings estimate before committing.
BDO accepts applications from private employees, government workers, BPO professionals, OFWs, seafarers, self-employed individuals, and licensed professionals. The minimum qualifying monthly income is ₱50,000, and your total debt-to-income ratio must not exceed 40%. If you're unsure whether you qualify, Nook can assess your eligibility for free before you submit a formal application.
Applying through Nook gives you access to BDO's rates alongside multiple other partner banks, so you can compare and choose the best deal in one place rather than approaching each bank separately. Nook's service is 100% free to borrowers — there are no brokerage fees at any point in the process. You also get dedicated support to prepare your documents and track your application through to approval.
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