If you took out a BDO home loan a few years ago, there's a good chance you're paying a higher rate than you need to be. Refinancing through Nook could save you over 4,850 pesos every single month — and our service is completely free.
BDO LOAN REFINANCE 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 BDO mortgage is locked in at a rate from several years ago, you could be paying significantly more than today's market requires. Many BDO borrowers are still on rates between 8% and 10%, while the best refinance rates available through Nook start at just 5.99% p.a. That gap adds up fast. On a 3,000,000 peso loan with 20 years remaining, switching from 8.50% to a competitive refinance rate can free up thousands of pesos every month. You can learn more about what BDO currently offers in our BDO home loan interest rate 2026 guide.
Refinancing your BDO home loan doesn't mean leaving BDO — in fact, BDO is a Nook partner bank offering a 1-year fixed rate of 6.00% p.a., with approval typically within 30 days. Whether you refinance within BDO or switch to another lender on Nook's panel, our brokers compare multiple banks on your behalf to find the lowest rate you qualify for. BDO accepts a wide range of borrowers including salaried employees, self-employed professionals, OFWs, and government workers, with a minimum monthly income requirement of 50,000 pesos. If you're unsure whether you qualify, check our complete guide to BDO housing loan requirements for a full breakdown.
Nook handles the entire refinancing process for you — from comparing bank offers and preparing your documents to coordinating with your lender — at absolutely zero cost to you as the borrower. There are no broker fees, no hidden charges, and no obligation to proceed after your free assessment. With interest rates subject to change, now is a smart time to find out exactly how much you could be saving each month. Submit your details today and get a personalised refinance comparison in minutes.
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
Yes, but it's important to check whether your current BDO loan has an early repayment or lock-in penalty, as this could affect your net savings. Nook's brokers will factor any breakage costs into your savings calculation so you can make an informed decision. In many cases, the long-term interest savings still far outweigh any upfront penalty fees.
Not at all — BDO is actually a Nook partner bank, so you may be able to refinance within BDO itself at a better rate. Nook will compare BDO's current refinance offers alongside other banks to make sure you're getting the most competitive deal available. The goal is always to find the lowest rate you qualify for, regardless of which lender that comes from.
BDO typically processes refinance applications within approximately 30 days from submission of complete documents. Nook helps you prepare and organise your paperwork upfront to avoid delays and reduce back-and-forth with the bank. The smoother your submission, the faster your new lower rate kicks in.
You'll generally need a valid government-issued ID, proof of income (payslips, ITR, or BIR Form 2316), your latest Statement of Account from BDO, and property documents including the Transfer Certificate of Title and tax declaration. Nook provides a complete document checklist tailored to your employment type so nothing gets missed. Self-employed borrowers and OFWs have slightly different requirements, which your Nook broker will walk you through.
Yes — Nook is 100% free to borrowers. Nook earns a referral fee directly from the bank when your loan is approved, so there's never any cost passed on to you. You get expert broker support, bank comparison, and end-to-end application assistance at no charge whatsoever.
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