BDO's current 1-year fixed home loan rate starts at 6.00% p.a. — but if you're on an old repriced rate, you could be paying 7% to 10% or higher. Find out how much you're overpaying every month.
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Why this matters
BDO Unibank is one of the Philippines' largest and most trusted home loan providers, offering competitive fixed-rate packages for new purchases, refinancing, and home equity. For 2026, BDO's advertised 1-year fixed rate starts at 6.00% p.a. — an attractive entry point. But here's the catch most borrowers miss: after your initial fixed period ends, your loan gets repriced at the bank's prevailing rate, which can be significantly higher. Many BDO borrowers on older loans are now paying between 8% and 10% without realizing a better option exists. If you haven't checked your rate recently, there's a good chance you're leaving thousands of pesos on the table every single month. You can review BDO's current rate schedule and repricing guide to understand exactly where your loan stands.
Refinancing your BDO home loan through Nook means you can access BDO's best available rates — or compare them against other leading Philippine banks — without paying a single peso in broker fees. Nook's service is 100% free to borrowers. Our mortgage specialists handle the paperwork, negotiate on your behalf, and help you choose the loan structure that delivers the biggest long-term savings. A homeowner with a ₱3,000,000 outstanding balance at 8.50% on a 20-year remaining term pays approximately ₱26,035 per month. Refinancing to 6.00% drops that to around ₱22,174 — a difference of nearly ₱3,861 every month, or over ₱46,000 per year. Over the remaining loan life, that compounds into substantial savings that could fund your child's education, home renovations, or early loan payoff.
BDO accepts a wide range of borrower profiles including private employees, government workers, BPO professionals, OFWs, seafarers, and self-employed individuals — with a minimum monthly income requirement of ₱50,000 and typical loan approval within 30 days. Whether you're looking to lower your monthly payment, shorten your loan term, or tap your home's equity, refinancing through Nook gives you a free, expert-guided path to the best BDO deal available. Before you apply, it's worth reviewing the complete BDO housing loan requirements so you can prepare your documents and move quickly once you're ready. Interest rates are subject to change — always verify the current rate with BDO or through Nook before finalizing 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 home loan rate for 2026 starts at 6.00% p.a., which also applies to their home equity loan product. This is the introductory fixed rate — after the fixed period ends, your loan will be repriced at BDO's prevailing rate at that time, which may be higher. Always confirm the latest rate directly with BDO or through Nook, as rates are subject to change without prior notice.
When your fixed-rate period expires, BDO reprices your loan based on their current lending rate at the time of repricing — this is standard practice across Philippine banks. Many borrowers see their effective rate jump significantly at repricing, which is why it's smart to reassess your loan before or immediately after repricing occurs. Refinancing at repricing time is one of the most strategic moves a Filipino homeowner can make to lock in savings.
Yes — if your current rate is above 6.00%, refinancing through Nook could help you access BDO's best available rates or compare offers from other top Philippine banks at no cost to you. Nook is a free mortgage broker service, meaning there are zero broker fees for borrowers. The process typically takes around 30 days with BDO, and our team handles the heavy lifting on documentation and negotiation.
BDO accepts a broad range of borrower types including private and government employees, BPO workers, OFWs, seafarers, self-employed individuals, and licensed professionals. The minimum monthly income requirement is ₱50,000, and your total debt obligations generally should not exceed 40% of your gross monthly income (DTI ratio). If you're unsure whether you qualify, Nook can do a free eligibility assessment before you formally apply.
Savings depend on your outstanding balance, remaining term, and current interest rate — but the difference can be dramatic. A borrower with ₱3,000,000 remaining at 8.50% and 20 years left saves roughly ₱3,861 per month by refinancing to 6.00%, totalling over ₱694,000 across the life of the loan. Use Nook's free calculator or speak with one of our mortgage specialists to get a personalized savings estimate based on your actual loan details.
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