BDO offers a competitive 1-year fixed rate of 6.00% p.a. for 2026 — if you're currently paying 8% or more, refinancing through Nook could save you tens of thousands of pesos every year at zero cost to you.
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Why this matters
BDO Unibank is one of the Philippines' most trusted home loan providers, and in 2026 they're offering a 1-year fixed rate of 6.00% p.a. — one of the most competitive rates available to Filipino homeowners today. Whether you're buying a ready-for-occupancy property, refinancing an existing loan, or tapping your home equity, BDO's home loan products are built to serve a wide range of borrowers, including private employees, government workers, BPO professionals, OFWs, seafarers, and the self-employed. If you want a full breakdown of how BDO's rate history compares to other lenders, you can explore our BDO home loan rate and refinancing guide for deeper analysis.
Most Filipino homeowners who took out a home loan 3–7 years ago are still paying rates between 7.50% and 10% — rates that were locked in during a higher interest rate environment. The problem is that many borrowers don't realise they can switch lenders and reset to a lower rate through refinancing. By refinancing a 3,000,000 loan from 8.50% down to BDO's 6.00% fixed rate, you could reduce your monthly payment by roughly 3,935 pesos — that's over 47,000 pesos back in your pocket every year. Over a 15-year remaining term, those savings compound into a genuinely life-changing sum. Not sure if you qualify? Our BDO housing loan requirements guide covers everything you need to know about eligibility.
Nook is the Philippines' first digital mortgage broker, and our service is completely free for borrowers. We work directly with BDO and other leading Philippine banks to compare your options, prepare your application, and guide you through approval — all without charging you a single peso in broker fees. BDO's typical approval timeline is around 30 days, and their maximum debt-to-income ratio is 40%, making their criteria accessible for a broad range of qualified borrowers. Interest rates are subject to change; we recommend verifying the latest BDO rates with Nook before submitting your application to ensure you lock in the best available offer.
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 in 2026, applicable to both new purchases and refinancing. This rate applies to a range of property types including ready-for-occupancy units, pre-selling condos, and resale properties. Note that rates are subject to change, so it's best to confirm the latest figures through Nook before applying.
BDO's 1-year fixed rate means your interest rate is locked in for the first 12 months of your loan, giving you predictable monthly payments during that period. After the fixed period ends, your rate will typically reprice based on prevailing market rates at that time. Many borrowers choose to refinance again at repricing to secure another competitive fixed rate — Nook can help you plan ahead for that.
BDO accepts applications from a wide range of employment types, including private sector employees, government workers, BPO professionals, OFWs, seafarers, self-employed individuals, and licensed professionals. The minimum monthly income requirement is 50,000 pesos, and your total debt obligations should not exceed 40% of your gross monthly income. For a full checklist of documents and requirements, see our BDO housing loan requirements guide.
Yes — refinancing is one of BDO's supported loan purposes, and Nook can manage the entire process on your behalf at no cost to you. If you're currently paying a rate above 7%, refinancing to BDO's 6.00% fixed rate could deliver significant monthly savings. Nook will assess your current loan, compare BDO against other partner banks, and recommend the best option for your situation.
BDO's typical home loan approval timeline is approximately 30 days from submission of a complete application. Nook helps by ensuring your documents are complete and correctly prepared before submission, which reduces the risk of delays or back-and-forth with the bank. Our team handles coordination with BDO on your behalf, so you spend less time chasing paperwork and more time planning your next move.
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