BDO offers a 6.00% fixed refinance rate for 2026 — and Nook handles the entire bank switch for you, completely free of charge.
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Why this matters
If your current home loan is locked in at a rate between 8% and 10%, refinancing to BDO's 6.00% fixed rate could be one of the most impactful financial moves you make in 2026. BDO Unibank is one of the Philippines' largest and most established banks, and as a Nook partner, they offer competitive refinancing rates with a typical approval timeline of just 30 days. Whether your existing loan is with another bank or you're currently with BDO on an older, higher-rate product, switching to a current BDO refinance package can generate significant long-term savings. To understand the full process from document submission to fund release, see our step-by-step BDO refinance guide.
BDO accepts refinancing applications from a wide range of borrowers — salaried employees in private companies, government workers, BPO professionals, OFWs, seafarers, and the self-employed — with a minimum monthly income requirement of 50,000 pesos. The maximum debt-to-income ratio is 40%, which is standard across most Philippine banks. What makes applying through Nook different is that you don't have to navigate BDO's requirements alone. Nook's mortgage specialists prepare your application, submit it on your behalf, and coordinate directly with BDO — at zero cost to you. There are no broker fees, no hidden charges, and no obligation to proceed until you're comfortable with the offer.
Beyond the monthly savings, refinancing to a lower fixed rate gives you certainty over your repayments for the fixed period — protection against future rate increases that can quietly erode your household budget. If you're weighing BDO against other options, or want to understand how refinancing works before committing, our guide on how to switch banks and lower your rate is a practical starting point. Interest rates are subject to change; we recommend verifying the current rate with Nook or BDO directly before making any financial decisions.
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 is currently offering a 1-year fixed refinance rate of 6.00% per annum for eligible borrowers in 2026. This rate applies to both refinancing from another bank and to home equity loan purposes. Note that interest rates are subject to change, so it's best to confirm the latest rate with Nook or BDO before applying.
BDO accepts applications from a broad range of employment types including private sector employees, government workers, BPO staff, OFWs, seafarers, self-employed individuals, and licensed professionals. The minimum monthly income requirement is 50,000 pesos, and your total monthly debt obligations should not exceed 40% of your gross monthly income.
BDO's typical approval timeline for home loan refinancing is around 30 days from submission of a complete set of documents. Incomplete applications or properties that require additional due diligence may take longer. Applying through Nook helps reduce delays because Nook's specialists review your documents before submission to ensure everything is in order.
No — Nook's service is 100% free for borrowers. Nook is compensated by the bank, not by you, so there are no broker fees, application fees, or hidden charges on your side. You get full mortgage broker support, document preparation, and bank coordination at no cost.
Yes, it is possible to refinance an existing BDO home loan if your current rate is significantly higher than what BDO is offering today. This is sometimes called an internal refinance or rate repricing, though terms and eligibility may differ from switching from another bank. Nook can assess your current loan and advise whether refinancing with BDO or another partner bank gives you the best outcome.
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