If you have a BDO home loan — or want to switch to BDO — you could be leaving thousands of pesos on the table every month. See exactly what refinancing could save you.
YOUR POTENTIAL SAVINGS
No commitment. No credit check. Just your numbers.
Why this matters
BDO Unibank is one of the Philippines' largest and most trusted home loan providers — but if your current mortgage rate is locked in from a few years ago, there's a strong chance you're paying more than you need to. Rates move over time, and borrowers who refinance regularly can unlock significantly lower monthly payments. BDO offers a 1-year fixed refinance rate starting at 6.00% p.a., which means homeowners sitting on older rates of 8% to 10% could see dramatic reductions in their monthly amortisation. Whether you're looking to switch banks and lower your rate or simply roll your existing BDO loan into a better deal, 2026 is a strong time to review your options.
Refinancing with BDO through Nook is straightforward. BDO accepts a wide range of borrower profiles — including private employees, government workers, BPO staff, OFWs, seafarers, self-employed professionals, and business owners — with a minimum monthly income requirement of 50,000 pesos. The bank typically processes approved applications within 30 days, and your debt-to-income ratio must fall within 40% of your gross monthly income. Eligible loan purposes include refinancing, home equity takeout, renovation, and purchase of ready-for-occupancy or pre-selling properties. For a full breakdown of documents and eligibility, see our step-by-step BDO refinance process guide.
The best part? Using Nook to apply for a BDO refinance costs you absolutely nothing. Nook is the Philippines' first digital mortgage broker, and its service is 100% free to borrowers. Instead of visiting multiple bank branches and submitting paperwork repeatedly, Nook lets you compare BDO's rates against other leading banks in one place — so you can be confident you're getting the best deal available before you commit. Please note that interest rates are subject to change; always verify the latest rates directly with BDO or through Nook before making a 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 refinance rate starts at 6.00% p.a. as of 2026. This rate is available to eligible borrowers refinancing an existing home loan from another bank into BDO, or existing BDO clients repricing their loan. Rates are subject to change, so we recommend confirming the latest figures through Nook or directly with BDO before proceeding.
BDO accepts a broad range of employment types including private and government employees, BPO workers, OFWs, seafarers, self-employed individuals, and licensed professionals. You'll need a minimum monthly income of 50,000 pesos and your total monthly debt obligations must not exceed 40% of your gross monthly income. Your property must also have a clean title and sufficient appraised value to support the loan.
BDO typically completes the approval process within 30 days from the date of complete document submission. The timeline can vary depending on the complexity of your case and how quickly the property appraisal is completed. Applying through Nook can help streamline the process since Nook's team ensures your documents are in order before submission.
Yes, refinancing typically involves standard bank fees such as appraisal fees, documentary stamp tax, registration fees, and notarial charges. Some banks also charge a processing fee, though this varies. Importantly, Nook's mortgage broker service is completely free to borrowers — you won't pay any broker or facilitation fees for using Nook to find and apply for your BDO refinance.
Yes, if your existing loan is with BDO you can apply for a repricing or restructuring rather than a full external refinance. However, it's still worth comparing BDO's current offer against rates from other banks — you may find a competing lender offers a lower rate that makes switching worthwhile. Nook can help you compare all your options side by side at no cost.
Check your exact savings in 60 seconds. It's free and takes no commitment.
Check My Savings Now →