If you took out a BDO home loan more than two years ago, you could be paying thousands more than necessary every month. Nook helps you refinance for free and find a rate as low as 5.99% p.a.
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Why this matters
BDO Unibank is one of the Philippines' most trusted home loan providers, but like all bank loans, your interest rate was locked in at the time you applied — and rates have shifted significantly since then. Many BDO borrowers who took out loans between 2019 and 2022 are still paying rates of 8% to 10%, even though the market has moved. Refinancing your BDO home loan means replacing your existing loan with a new one at a lower rate, and the savings over a 20-year term can be substantial. If you want a full breakdown of what to expect, our step-by-step guide to BDO home loan refinancing walks you through every stage of the process.
Through Nook, BDO is a verified partner bank offering a 1-year fixed rate of 6.00% p.a., with a minimum monthly income requirement of 50,000 and typical approval in around 30 days. BDO accepts a wide range of borrower profiles — including private employees, government workers, BPO employees, OFWs, seafarers, self-employed individuals, and licensed professionals — making it one of the most accessible refinance options in the market. Loan purposes covered include refinancing, home equity, renovation, and more. Nook's broker service is completely free to you as the borrower, so there is no cost to finding out if you qualify.
The refinancing process may feel daunting, but Nook simplifies it by comparing multiple lenders on your behalf, handling the paperwork, and guiding you from application to approval. Whether you want to stay with BDO at a better rate or explore what other Nook partner banks can offer, the goal is the same: reduce your monthly payment and keep more of your money. Note that interest rates are subject to change — we always recommend verifying the latest rates directly with your lender or through Nook before making any financial decisions. For a deeper look at eligibility and switching requirements, see our complete guide to switching banks and lowering your rate.
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, BDO does offer internal repricing and refinancing options for existing borrowers. However, Nook also lets you compare BDO's offer against other partner banks to ensure you are getting the most competitive rate available to you — all at no cost.
BDO's 1-year fixed refinance rate through Nook is 6.00% p.a. as of 2026. Rates are subject to change, so we recommend confirming the latest figures directly through Nook or BDO before proceeding with your application.
BDO requires a minimum monthly income of 50,000 and accepts borrowers who are privately employed, government workers, BPO employees, OFWs, seafarers, self-employed, or licensed professionals. Your property must also have a clean title and sufficient remaining loan balance to qualify for refinancing.
BDO typically processes refinance applications in around 30 days, which is among the faster timelines in the Philippine market. Nook helps ensure your documents are complete before submission, which reduces the risk of delays or back-and-forth with the bank.
Yes, completely free. Nook is a digital mortgage broker that earns from the bank, not from you. There are no broker fees, no application charges, and no hidden costs — you simply benefit from access to multiple lenders and expert guidance at zero expense.
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