BDO offers a 1-year fixed rate of 6.00% p.a. — but if you're on an older loan, you could be paying 8% or more. Find out 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 home loan providers, and in 2026 they're offering a 1-year fixed rate of 6.00% p.a. for both new purchases and refinancing. That's a competitive headline rate — but what matters most is the rate you're currently paying on your existing loan. Many Filipino homeowners took out home loans when rates were significantly higher, and after their fixed period ended, they were repriced to rates between 8% and 10%. If that sounds familiar, refinancing could put thousands of pesos back in your pocket every month. You can learn more about BDO's full rate history and structure in our BDO home loan interest rate guide for 2026.
When you refinance through Nook, we compare BDO's offer against other partner banks to make sure you're getting the best deal available — not just the first one on the table. BDO's home loan product accepts a wide range of borrowers: private and government employees, BPO workers, OFWs, seafarers, self-employed professionals, and more. With a minimum monthly income requirement of ₱50,000 and a maximum debt-to-income ratio of 40%, many existing homeowners will qualify. Typical approval takes around 30 days, and Nook's team handles the paperwork coordination at no cost to you. For a full breakdown of what documents you'll need, see our complete BDO housing loan requirements guide.
The example above is based on a ₱3,000,000 loan with 20 years remaining. A borrower paying 8.50% p.a. would have a monthly amortisation of approximately ₱26,116. Refinancing to BDO's current 6.00% rate brings that down to around ₱22,302 — a saving of over ₱3,800 per month, or nearly ₱686,000 over the remaining loan term. Even accounting for refinancing fees and bank charges, most borrowers break even within 12 to 18 months. Nook's service is completely free to the borrower — we're compensated by the bank, not you. Note: Interest rates are subject to change. Please verify current rates with BDO or through Nook 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 is currently offering a 1-year fixed rate of 6.00% p.a. for home loans, including refinancing. This rate applies to qualified borrowers across employment types including salaried employees, OFWs, and self-employed professionals. Rates are subject to change, so it's worth confirming the latest figures directly with BDO or through Nook before you apply.
When your BDO fixed-rate period expires — typically after 1, 2, 3, or 5 years — your loan is repriced based on prevailing market rates at that time, which are usually higher than your original fixed rate. This repricing is one of the main reasons Filipino homeowners end up paying 8% to 10% on loans they originally took out at lower rates. Refinancing before or after repricing can lock in a lower rate again.
BDO requires a minimum monthly income of ₱50,000 and a maximum debt-to-income ratio of 40%. They accept borrowers from a wide range of employment categories including private and government employees, BPO workers, OFWs, seafarers, and self-employed professionals. For a full checklist of documents, visit our detailed BDO housing loan requirements guide.
BDO's typical loan approval timeline is around 30 days from submission of complete documents. When you apply through Nook, our team helps you prepare and organise your requirements upfront, which reduces back-and-forth with the bank and helps keep the process on track. Incomplete submissions are the most common reason for delays.
Yes, BDO accepts refinancing applications from borrowers who currently have home loans with other Philippine banks. This is one of the most common refinancing scenarios Nook handles — helping homeowners move from a higher-rate lender to BDO or another partner bank offering better terms. Nook will compare available options and recommend the bank that gives you the best overall deal based on your loan balance, income, and remaining term.
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