BDO offers a 1-Year Fixed rate of 6.00% p.a. for refinancing — and Nook can help you get there for free. See how much you could save on your monthly payments starting today.
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Why this matters
BDO Unibank is one of the Philippines' largest and most trusted home loan providers, and for good reason. Their 2026 home loan lineup includes a competitive 1-Year Fixed rate of 6.00% p.a., making them a strong option for Filipino homeowners looking to refinance and reduce their monthly burden. Whether you're currently paying above 8% with another bank or even with BDO itself on an older loan, switching to a lower rate through refinancing could put tens of thousands of pesos back in your pocket every year. You can explore the full picture in our BDO home loan interest rate and refinancing guide.
Qualifying for a BDO home loan refinance is more accessible than many Filipinos expect. BDO accepts a wide range of employment types — 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 approves applications within 30 days. Their maximum debt-to-income ratio (DTI) is 40%, which gives most borrowers solid room to qualify. For a complete breakdown of what you'll need to prepare, see our BDO housing loan requirements guide.
The smartest way to apply for a BDO home loan refinance in 2026 is through Nook — the Philippines' first digital mortgage broker. Nook compares BDO's rates alongside other leading banks, handles the paperwork, and guides you through the entire process at absolutely no cost to you. There are no broker fees, no hidden charges, and no obligation. Just a faster, smarter path to a lower rate. Interest rates are subject to change — verify the latest figures when you apply.
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 home loan rate for 2026 is 6.00% p.a. on a 1-Year Fixed term, which also applies to their Home Equity loan product. This is one of the more competitive rates available in the Philippine market right now. Keep in mind that rates are subject to change, so it's best to check with Nook or BDO directly for the most up-to-date figures when you're ready to apply.
BDO accepts a broad range of borrower profiles, including private and government employees, BPO workers, OFWs, seafarers, self-employed individuals, and licensed professionals. You'll need a minimum monthly income of ₱50,000 and a debt-to-income ratio (DTI) of no more than 40%. If you're unsure whether you qualify, Nook can assess your profile for free and match you with the right bank.
BDO typically processes and approves home loan applications within 30 days from submission of complete documents. Incomplete submissions are the most common cause of delays, so preparing all required documents upfront is critical. Applying through Nook helps ensure your application is complete and well-presented before it reaches the bank.
If you're currently paying a rate of 7.5% or higher, refinancing to BDO's 6.00% fixed rate could result in significant monthly and long-term savings — potentially hundreds of thousands of pesos over the life of your loan. The key is to factor in any applicable fees and your remaining loan term when calculating the true benefit. Nook's free refinancing calculator can show you your exact numbers in minutes.
Nook's service is completely free for borrowers — you pay absolutely nothing for Nook's mortgage brokering, comparison, and application support services. Nook is compensated by the bank when your loan is successfully processed, not by you. This means you get expert guidance and access to multiple bank offers without any out-of-pocket cost.
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