See exactly what BDO home loan rates look like in 2026 — and find out if you could be saving over 4,800 pesos every month by refinancing through Nook's free broker service.
BDO REFINANCE SAVINGS ESTIMATE
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Why this matters
BDO Unibank is one of the Philippines' largest and most trusted home loan providers, offering competitive fixed rates for purchase, construction, and refinancing. For 2026, BDO's 1-year fixed rate starts at 6.00% per annum — making it one of the more accessible options for Filipino homeowners looking to reduce their monthly amortisation. Whether you're buying a ready-for-occupancy property, building from scratch, or refinancing an existing loan from another bank, BDO's home loan product covers a wide range of purposes and borrower profiles including salaried employees, OFWs, self-employed professionals, and BPO workers. Minimum monthly income requirement is P50,000, and approval typically takes around 30 days. For a full breakdown of what BDO requires, see our complete guide to BDO housing loan requirements.
For homeowners already carrying a BDO loan — or a loan from any other Philippine bank — refinancing is often the single biggest financial move you can make. If your current rate is anywhere between 7% and 10%, moving to a 6.00% fixed rate on a 3,000,000 peso balance could save you tens of thousands of pesos per year without extending your loan term. Nook works as your free digital mortgage broker, comparing BDO alongside other partner banks so you always get the best available rate for your specific situation. There are no broker fees, no hidden charges, and no obligation to proceed until you're happy with the offer. You can also explore BDO's current refinancing rates in detail to understand how repricing and full refinancing differ.
The monthly payment table and savings estimates on this page are calculated using standard amortisation on a 20-year remaining term. Actual rates and repayments will vary based on your loan-to-value ratio, credit profile, and the specific BDO product you qualify for. Interest rates are subject to change — always verify current rates directly with BDO or through Nook before making a financial decision. Nook's advisors can pull live rate quotes from BDO and multiple other banks in one application, saving you time and giving you real negotiating power.
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 starts at 6.00% per annum in 2026, which applies to both new purchase loans and refinancing. This rate is available through Nook as a partner bank offer, though rates are subject to change and your final rate will depend on your loan amount, term, and credit profile. We recommend applying through Nook to confirm the latest live rate before you commit.
BDO accepts applications from a wide range of borrower types including private employees, government workers, BPO employees, OFWs, seafarers, self-employed individuals, and licensed professionals. The minimum monthly income requirement is P50,000, and BDO uses a maximum debt-to-income ratio of 40% when assessing affordability. For a detailed checklist of documents and eligibility criteria, see our BDO housing loan requirements guide for the Philippines.
BDO's typical approval timeline is around 30 days from the date of complete document submission. Delays usually happen when documents are incomplete or when property appraisal needs to be arranged, so preparing your requirements in advance makes a significant difference. Applying through Nook gives you a dedicated advisor who helps you compile documents correctly the first time, which can speed up the process considerably.
Yes — refinancing to BDO is one of the most common requests Nook handles, whether your current loan is with BPI, Metrobank, Security Bank, or any other Philippine lender. Nook submits your application to BDO (and other partner banks simultaneously) so you can compare offers and choose the best rate without doing the legwork yourself. The entire broker service is completely free to you as the borrower.
BDO's home loan product covers a broad range of purposes: home equity, foreclosed property purchase, new construction, pre-selling and ready-for-occupancy (RFO) units, renovation, reselling, and refinancing of existing loans. This makes BDO a flexible option whether you're a first-time buyer, an investor, or an existing homeowner looking to unlock equity or reduce your monthly payments. Nook can help you identify which loan purpose and product structure gives you the best rate for your specific situation.
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