BDO offers a 1-year fixed rate starting at 6.00% p.a. — but if your current home loan is repricing soon, you could refinance to as low as 5.99% p.a. through Nook and cut thousands from your monthly amortization. Free service, no broker fees.
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Why this matters
BDO Unibank is one of the Philippines' largest home loan providers, offering fixed-rate periods of 1, 3, 5, and 10 years across a wide range of loan purposes — from ready-for-occupancy (RFO) units and resale properties to refinancing and home equity. For 2026, BDO's 1-year fixed rate is 6.00% p.a., making it one of the more competitive options among major Philippine banks. After your fixed period ends, your loan reprices to the prevailing bank rate — which is often when borrowers discover they've been quietly paying 8%, 9%, or even 10% without realizing it. If that sounds familiar, you're not alone, and it's exactly the situation Nook was built to solve. You can learn more about how BDO structures its loan products in our BDO home loan interest rate guide for 2026.
When your BDO loan reprices — typically every 1, 3, or 5 years — your monthly amortization can jump significantly. On a ₱3,000,000 outstanding balance with 20 years remaining, the difference between paying 8.50% and refinancing to 5.99% is over ₱3,000 per month. That's more than ₱36,000 saved in year one alone. Refinancing works by moving your loan to a new bank (or staying with BDO under a new structure) at a lower rate, resetting your fixed period so you get predictable, lower payments again. Nook compares rates from BDO and a panel of other partner banks simultaneously, so you always see the best available deal — at zero cost to you.
Qualifying for a BDO home loan refinance through Nook requires a minimum monthly income of ₱50,000, and BDO accepts borrowers from the private sector, government, BPO, OFW/seafarer, self-employed, and professional backgrounds. Debt-to-income ratio must be within 40%, and typical approval takes around 30 days. Before applying, it's worth reviewing the full BDO housing loan requirements so you can prepare your documents in advance and avoid delays. Nook's team guides you through every step — from initial rate comparison to loan disbursement — completely free of charge. Note: interest rates are subject to change; always verify current rates at time of 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 1-year fixed home loan rate for 2026 is 6.00% p.a. for both standard home loans and home equity loans. Rates for longer fixed periods (3, 5, 10 years) are typically higher to reflect the extended rate lock, and all rates are subject to change — check with Nook or BDO directly for the most current figures at the time of your application.
When your BDO fixed-rate period ends — whether that's after 1, 3, or 5 years — your loan reprices to the bank's prevailing rate at that time, which can be significantly higher than what you originally signed up for. Many borrowers see their monthly amortization jump by thousands of pesos after repricing. The good news is that a repricing date is actually the ideal time to refinance: you're no longer locked in, and you can move your loan to a bank offering a lower rate without penalty.
Yes — Nook specializes in exactly this. As a digital mortgage broker, Nook compares BDO's rates alongside those from other partner banks and helps you move your loan to whichever lender offers the lowest rate for your profile. The service is 100% free to you as the borrower, and Nook handles the paperwork and coordination so you don't have to deal with multiple banks yourself.
BDO requires a minimum monthly income of ₱50,000 for home loan applications, including refinancing. They accept borrowers from a wide range of employment types: private-sector employees, government workers, BPO employees, OFWs and seafarers, self-employed individuals, and licensed professionals. Your total monthly debt obligations (including the new loan payment) must not exceed 40% of your gross monthly income.
Typical BDO home loan approval takes around 30 days from submission of complete documents. Required documents generally include proof of income (payslips, ITR, or business financials), valid IDs, the property's title and tax declaration, and a loan application form. Applying through Nook means you'll have a dedicated advisor checking your documents before submission, reducing the chance of delays due to incomplete requirements.
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