BDO offers a 6.00% p.a. fixed home loan rate — if you're currently paying 8% or more, refinancing could save you thousands of pesos every single month.
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Why this matters
BDO Unibank is one of the Philippines' largest and most trusted banks — and as a Nook partner, their 2026 home loan refinance rate of 6.00% p.a. (1-year fixed) is among the most competitive available to Filipino homeowners today. Whether you're currently with another bank or even an existing BDO borrower whose fixed-rate period has lapsed, refinancing now can lock in a significantly lower rate and reduce your monthly amortization immediately. BDO accepts borrowers from 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 50,000 and typical loan approval within 30 days.
The refinancing process involves a few key steps: document submission, property appraisal, credit evaluation, and loan release. Nook handles the coordination with BDO on your behalf at absolutely no cost to you — our service is 100% free for borrowers. We help you prepare your documents correctly the first time, so there are no unnecessary delays. If you want a full walkthrough of what to expect at each stage, see our BDO refinance step-by-step process guide for a detailed breakdown. BDO also supports refinancing for a range of property purposes including ready-for-occupancy units, resale properties, renovation loans, and home equity take-outs.
One question borrowers often ask is whether refinancing to BDO makes sense if they're already a BDO customer. The answer is: yes, in many cases. If your current BDO loan is past its fixed-rate lock-in period and has repriced to a higher variable rate, you may be eligible to restructure or refinance into a new fixed-rate package. Nook can assess your specific situation and compare BDO's offer against other partner banks so you always get the best deal. Note that interest rates are subject to change — all rates shown should be verified directly with BDO or through Nook before you apply. For a broader look at your switching options, our guide to switching banks and lowering your rate covers everything you need to know.
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 refinance rate through Nook is 6.00% p.a. on a 1-year fixed term. This rate is available to qualified borrowers refinancing from other banks or restructuring an existing BDO loan. Rates are subject to change, so we recommend verifying the latest figures directly with BDO or by submitting a free inquiry through Nook.
BDO accepts a wide range of borrower profiles including private employees, government workers, BPO staff, OFWs, seafarers, self-employed individuals, and licensed professionals. The minimum monthly income requirement is 50,000, and your debt-to-income ratio must not exceed 40%. Your property must also have a clean title and sufficient appraised value to support the loan amount.
BDO's typical approval timeline is around 30 days from complete document submission. This includes property appraisal, credit evaluation, and loan documentation. Applying through Nook can help speed things up because our team ensures your documents are complete and correctly prepared before submission, reducing back-and-forth with the bank.
Yes, standard refinancing costs include a property appraisal fee, notarial fees, mortgage registration fees, and documentary stamp tax — these are typically shouldered by the borrower. Nook's brokerage service, however, is completely free. We'll give you a full breakdown of expected costs upfront so there are no surprises when you proceed.
Yes, in many cases existing BDO borrowers can refinance into a new fixed-rate package, especially if your current loan has already repriced to a higher variable rate after your lock-in period ended. Nook can review your current loan terms and confirm whether a restructure or full refinance makes financial sense for your situation. Contact us for a free assessment.
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