BDO's 1-year fixed rate starts at 6.00% p.a. — but thousands of existing borrowers are still paying 8% or more. Find out how much you could save by refinancing through Nook, 100% free.
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Why this matters
BDO Unibank is one of the Philippines' largest home loan lenders, and for good reason — they offer competitive fixed rates, flexible loan purposes, and approvals that typically take around 30 days. For 2026, BDO's 1-year fixed rate sits at 6.00% p.a., which applies to both standard home purchase loans and home equity lines. To qualify, borrowers generally need a minimum monthly income of ₱50,000, and BDO accepts a wide range of employment types including private employees, government workers, BPO professionals, OFWs, seafarers, and self-employed individuals. If you're shopping for a new home loan, BDO is absolutely worth putting on your shortlist. For a full breakdown of what documents you'll need, see our BDO Home Loan Requirements 2026 checklist for employed and self-employed borrowers.
If you already have a home loan — whether with BDO or another bank — the more important question is what rate you're currently paying. Many Filipino homeowners took out loans when rates were 8%, 9%, or even 10%, and haven't revisited their terms since. With BDO's current 6.00% rate (and Nook's best available refinance rate at 5.99% p.a. across all partner banks), refinancing could reduce your monthly payment by thousands of pesos. On a ₱3,000,000 loan with 20 years remaining, moving from 8.00% to 6.00% saves roughly ₱3,005 every single month. That's over ₱36,000 per year — money that could be going toward your family, your savings, or paying down your loan faster. Not sure whether fixed or variable is right for you? Our guide on BDO's fixed vs variable rates in 2026 breaks down the pros and cons in plain language.
Nook is the Philippines' first digital mortgage broker, and our service is completely free to borrowers. We work with BDO and other leading banks to find you the most competitive rate for your specific loan profile — without the paperwork headaches of applying bank by bank. Whether you're buying a new property or looking to refinance an existing loan, Nook handles the comparison, the coordination, and the follow-through, so you don't have to. Note that interest rates are subject to change; always verify current rates directly with your chosen bank 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 is 6.00% p.a., which also applies to home equity loans. This is the rate available through Nook as a verified BDO partner — always confirm the latest rates directly with BDO or through Nook, as rates are subject to change.
BDO requires a minimum monthly income of ₱50,000 for home loan applicants. They accept a broad range of employment types, including private employees, government workers, BPO staff, OFWs, seafarers, self-employed individuals, and licensed professionals.
Yes — refinancing is one of BDO's supported loan purposes, and Nook can help you apply as a free broker service. If your current rate is above 6.00%, refinancing with BDO (or another Nook partner bank) could meaningfully reduce your monthly payment and total interest paid over the life of your loan.
BDO's typical home loan approval timeline is around 30 days from the time your complete documents are submitted. Working with Nook can help streamline this process, since our team reviews your documents before submission to reduce back-and-forth with the bank.
Often, yes — even a 1% rate reduction on a ₱3,000,000 loan can save you over ₱18,000 per year in interest payments. The exact benefit depends on your remaining loan balance, term, and any applicable fees, which is why Nook provides a free personalised comparison so you can see the real numbers before committing.
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