BDO offers a 6.00% fixed refinancing rate — if your current home loan is above that, you could be saving thousands every month. Nook helps you switch for free.
YOUR POTENTIAL SAVINGS WITH BDO
No commitment. No credit check. Just your numbers.
Why this matters
BDO Unibank is one of the Philippines' largest and most trusted home loan lenders — and as a Nook partner bank, their refinancing rate of 6.00% p.a. (1-year fixed) is among the most competitive available in 2026. If you originally took out your home loan a few years ago at a rate between 7% and 10%, refinancing to BDO could cut your monthly amortization by several thousand pesos. That's money that stays in your pocket every single month, for the life of your loan. BDO accepts a wide range of borrower profiles including private and government employees, BPO workers, OFWs, seafarers, self-employed professionals, and more — with a minimum monthly income requirement of P50,000 and a typical approval timeline of around 30 days.
The refinancing process can feel intimidating, but Nook makes it straightforward. As the Philippines' first digital mortgage broker, Nook compares BDO's rates against the full market so you can be confident you're getting the best deal — not just the first offer you find. Nook handles the comparison, the paperwork coordination, and the bank communication on your behalf, completely free of charge to you as the borrower. If you want to understand exactly how the BDO refinancing process works step by step, Nook has a full guide to walk you through requirements, timelines, and what to expect at each stage.
Whether your goal is to lower your monthly cash outflow, shorten your loan term, or access your home equity, refinancing to BDO through Nook is a smart move worth exploring in 2026. Interest rates are subject to change, so locking in a competitive fixed rate now could protect you from future rate increases. The savings illustrated above are based on a P3,000,000 loan with a 20-year remaining term — your actual savings will depend on your current rate, outstanding balance, and the specific BDO product you qualify for. Learn more about switching to BDO and lowering your rate, or start your free Nook assessment today to see your personalized numbers.
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 refinancing rate through Nook is 6.00% p.a. on a 1-year fixed term. This rate applies to refinancing of existing home loans and is available to qualified borrowers across multiple employment types. Please note that interest rates are subject to change — Nook will confirm the latest applicable rate when you submit your application.
BDO accepts a broad range of borrower profiles including private and government employees, BPO workers, OFWs, seafarers, self-employed individuals, and licensed professionals. The minimum monthly income requirement is P50,000, and your debt-to-income ratio must generally stay within 40%. Nook will assess your eligibility upfront so you only apply where you're likely to be approved.
BDO typically processes refinancing applications within approximately 30 days from the time a complete set of documents is submitted. Incomplete submissions are one of the most common causes of delays, which is why Nook helps you prepare and review your documents before submission. A complete, well-prepared application gives you the best chance of hitting that 30-day timeline.
No — Nook's service is completely free to borrowers. Nook is compensated by the bank upon successful loan disbursement, so you get full broker support, rate comparison, and document assistance at no cost to you. There are no hidden charges or obligations to proceed after your free assessment.
BDO is a strong option with a competitive 6.00% rate and broad eligibility criteria, but the best bank for you depends on your loan size, income profile, and current lender. Nook compares BDO against all other partner banks simultaneously, so you can see side-by-side which bank offers you the lowest rate and best terms before you commit. Starting with a free Nook assessment means you'll never leave savings on the table.
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