BDO offers a 1-year fixed rate starting at 6.00% p.a. — but if you took out your home loan a few years ago, you could be paying 8%, 9%, or more. See exactly how much you could save by refinancing through Nook, completely free.
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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 remains a top choice for Filipino homeowners looking to refinance. BDO's current 1-year fixed rate of 6.00% p.a. is among the most competitive in the market — but the rate you're offered depends on your loan amount, remaining term, income profile, and when you first took out your loan. Many existing BDO borrowers, and those with loans at other banks, are still locked into rates of 8% to 10% from previous fixed-rate periods. Refinancing to BDO's current rate through Nook can put thousands of pesos back in your pocket every single month. For a full breakdown of BDO's rate tiers and what drives them, see our BDO home loan interest rate 2026 guide.
When evaluating BDO home loan rates in 2026, it's important to understand how fixed-rate lock-in periods work. BDO typically offers 1-year, 2-year, 3-year, and 5-year fixed periods. During the fixed period, your monthly payment stays the same — giving you predictability and protection against rate movements. After the fixed period expires, your rate reprices based on prevailing market conditions. This is the moment many homeowners discover their repayments have jumped significantly. If your fixed period has recently ended or is about to, now is exactly the right time to explore refinancing before your rate adjusts upward.
Applying for a BDO home loan refinance through Nook is 100% free — Nook earns a referral fee from the bank, not from you. BDO accepts applications from employed professionals in the private sector, government workers, BPO employees, OFWs, seafarers, self-employed individuals, and licensed professionals, with a minimum monthly income requirement of ₱50,000. Approvals typically take around 30 days. Whether you're refinancing from another bank or repricing within BDO, Nook's mortgage specialists will handle the comparison, paperwork, and submission on your behalf. Before you apply, make sure to review the BDO housing loan requirements so you know exactly what documents to prepare.
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 is 6.00% p.a. as of 2026, which also applies to their home equity loan product. Rates for longer fixed periods vary and are subject to change, so it's best to confirm the latest schedule through Nook or directly with BDO before submitting your application.
Yes — Nook specialises in helping Filipino homeowners refinance from any bank to BDO or other partner lenders to secure a lower rate. The entire Nook service is free for borrowers, and a mortgage specialist will guide you through the comparison and application process from start to finish.
During your chosen fixed-rate period (typically 1, 2, 3, or 5 years), your interest rate and monthly payment remain constant regardless of market movements. Once the fixed period ends, your rate will reprice — this is often when borrowers see a significant jump in repayments and when refinancing makes the most financial sense.
BDO requires a minimum combined monthly income of ₱50,000 for home loan applicants. BDO accepts a wide range of employment types including private sector employees, government workers, BPO employees, OFWs, seafarers, self-employed individuals, and licensed professionals.
BDO typically processes and approves home loan refinancing applications within approximately 30 days, provided all required documents are submitted correctly and completely. Applying through Nook can help streamline the process, as Nook's specialists review your documents before submission to minimise back-and-forth with the bank. Note that interest rates are subject to change — always verify the current rate at the time of your application.
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