BDO offers a 1-year fixed rate starting at 6.00% p.a. in 2026 — if you're currently paying 8% or more, refinancing through Nook could cut your monthly amortization by thousands of pesos.
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Why this matters
BDO Unibank is one of the Philippines' largest and most trusted home loan providers, and in 2026 it continues to offer competitive fixed-rate packages for both new borrowers and those looking to refinance. Through Nook, eligible borrowers can access BDO's 1-year fixed rate of 6.00% p.a. — a rate that can produce substantial monthly savings for homeowners currently locked into older, higher-rate loans from previous repricing cycles. BDO accepts a wide range of borrower profiles, including private employees, government workers, BPO staff, OFWs, seafarers, self-employed individuals, and licensed professionals, with a minimum monthly income requirement of ₱50,000. For a full breakdown of eligibility and documentation, see our complete BDO housing loan requirements guide.
BDO home loans can be used for refinancing, home equity, new construction, pre-selling and RFO units, renovation, resale properties, and even foreclosed assets — making it one of the most versatile options on the market. Approval typically takes around 30 days, and BDO applies a maximum debt-to-income ratio of 40%, meaning your total monthly loan obligations should not exceed 40% of your gross monthly income. If you want to understand how BDO's current rates compare to its historical pricing and what repricing means for your existing loan, our BDO home loan interest rate and refinancing guide covers this in detail.
Applying through Nook is completely free for borrowers — Nook is paid by the bank, not you. Our mortgage specialists will help you compare BDO's rates against other partner banks, prepare your documents, and manage your application from start to finish. Whether you're refinancing an existing loan or financing a new property purchase, Nook simplifies the process so you can focus on what matters: getting the best possible rate. Note: Interest rates are subject to change — always verify the latest rates with BDO or through Nook before making a financial decision.
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 1-year fixed rate for home loans in 2026 starts at 6.00% p.a. for eligible borrowers applying through Nook. This rate applies to both new home purchases and refinancing of existing loans. Rates are subject to change, so it's best to confirm the latest pricing directly with Nook or BDO before applying.
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 monthly debt obligations must not exceed 40% of your gross monthly income. Meeting these thresholds gives you a strong foundation for a successful application.
BDO's typical loan approval timeline is around 30 days from the submission of complete documents. Working with Nook can help speed up this process since our team will review your documents upfront, flag any issues early, and liaise directly with BDO on your behalf. Incomplete submissions are one of the most common causes of delays.
If your current home loan rate is 8% or higher, refinancing to BDO's 6.00% fixed rate could save you tens of thousands of pesos per year, depending on your outstanding balance. On a ₱3,000,000 loan with 20 years remaining, the monthly savings can exceed ₱3,900. Use Nook's free refinancing calculator to estimate your specific savings before committing.
No — Nook's service is completely free for borrowers. Nook is compensated directly by partner banks like BDO when a loan is successfully processed, so you receive full broker support at zero cost to you. This includes document preparation, rate comparison across multiple banks, and end-to-end application management.
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