BDO offers a 1-year fixed rate starting at 6.00% p.a. — and if you're currently paying 8% or more on your existing home loan, refinancing through Nook could cut your monthly amortization by thousands of pesos, at zero cost to you.
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Why this matters
BDO Unibank is one of the Philippines' largest and most trusted home loan providers, and in 2026 their published 1-year fixed rate stands at 6.00% p.a. — one of the most competitive offerings available from a major Philippine bank. This rate applies to both standard home purchase loans and refinancing, making BDO a strong option whether you're buying a new property or looking to reduce the interest burden on an existing loan. BDO accepts borrowers across a wide range of employment types, including private employees, government workers, BPO professionals, OFWs, seafarers, self-employed individuals, and licensed professionals, with a minimum monthly income requirement of P50,000. You can learn more about eligibility in our complete guide to BDO housing loan requirements.
If you took out your home loan two to five years ago — whether with BDO or another bank — there's a good chance your current rate is between 7% and 10%. Refinancing to BDO's 6.00% fixed rate through Nook can meaningfully reduce your monthly amortization and free up cash for other financial goals. On a P3,000,000 loan with 20 years remaining, moving from 8.00% to 6.00% saves over P3,600 every month. Over the remaining life of the loan, that compounds into serious money. Nook's service is completely free to borrowers — we're compensated by the bank, not by you. For a deeper look at how BDO's rates compare historically and how to time your refinance, see our BDO home loan interest rate and refinancing guide.
BDO's typical approval timeline is around 30 days from complete submission, and their maximum debt-to-income ratio is 40% — meaning your total monthly obligations (including the new home loan payment) should not exceed 40% of your gross monthly income. Loan purposes supported include refinancing, home equity, renovation, new construction, pre-selling units, ready-for-occupancy properties, resale homes, and foreclosed assets. Nook's mortgage specialists will assess your profile, match you with the best available rate, and handle the paperwork end-to-end — so you can focus on the savings, not the process. Note: Interest rates are subject to change. Please verify current rates with BDO or through Nook before applying.
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 published home loan rate starts at 6.00% p.a. for a 1-year fixed period, which also applies to their Home Equity product. This is one of the most competitive rates among major Philippine banks in 2026. Rates are subject to repricing after the fixed period ends, and Nook recommends verifying the latest rates directly before applying.
The savings depend on your current rate, outstanding balance, and remaining term. On a P3,000,000 loan with 20 years remaining, switching from 8.00% to 6.00% reduces your monthly payment by approximately P3,600 — that's over P43,000 saved every year. Use Nook's free savings calculator to get a figure based on your exact loan details.
BDO accepts applications from private employees, government workers, BPO staff, OFWs, seafarers, self-employed individuals, and licensed professionals. The minimum monthly income requirement is P50,000, and your total monthly debt obligations must not exceed 40% of your gross income. For a full breakdown of documents and eligibility criteria, see our BDO housing loan requirements guide.
BDO's typical approval timeline is approximately 30 days from the date of complete document submission. This is considered a fast turnaround compared to many other Philippine banks. Applying through Nook helps streamline the process because our specialists review your documents for completeness before submission, reducing back-and-forth delays.
Yes — Nook's mortgage brokering service is 100% free to the borrower. Nook is compensated by the bank upon successful loan disbursement, so you pay nothing for the comparison, advice, application assistance, or follow-up support. You get the same rate you would applying directly to BDO, plus the benefit of having a specialist guide you through every step.
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