Refinancing to BDO Unibank could slash your monthly home loan payment — see exactly how much you can save and how to make the switch in 2026, completely free through Nook.
YOUR POTENTIAL SAVINGS WITH BDO
No commitment. No credit check. Just your numbers.
Why this matters
If you took out a home loan two or more years ago, there's a strong chance you're paying a rate well above what's available in today's market. Many Filipino homeowners are still locked into rates of 8% to 10% — and with BDO now offering a 1-year fixed rate of 6.00% p.a. for refinancing, the gap between what you're paying and what you could be paying is significant. On a ₱3,000,000 loan with a 20-year remaining term, that difference can translate to nearly ₱4,000 back in your pocket every single month. That's money you could redirect toward your family's needs, investments, or paying down your loan faster. If you're ready to explore the full picture, our guide to lowering your rate with BDO walks through everything in detail.
BDO is one of the Philippines' largest and most trusted banks, and their home loan refinancing program is designed to be accessible. With a minimum monthly income requirement of ₱50,000 and a typical approval timeline of around 30 days, BDO is a realistic option for many employed and self-employed Filipinos — including OFWs, seafarers, BPO workers, government employees, and professionals. The bank accepts a wide range of loan purposes under its refinancing program, and its nationwide presence means support is available wherever you are in the country.
Applying for a BDO refinance on your own can feel daunting — gathering documents, negotiating rates, and coordinating with bank officers takes time and expertise most borrowers don't have. That's where Nook comes in. As the Philippines' first digital mortgage broker, Nook handles the entire process on your behalf, at zero cost to you. We submit your application, compare offers, and make sure you get the best deal available. For a full breakdown of rates, requirements, and what to expect step by step, read our complete BDO refinance guide for 2026. Note: interest rates are subject to change — always verify current rates with your bank or broker before proceeding.
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 rate of 6.00% p.a. for home loan refinancing through Nook. This rate is significantly lower than the 8–10% many homeowners are paying on older loans. Please note that rates are subject to change, so it's best to check with Nook or BDO directly for the most up-to-date figures before you apply.
BDO accepts applications from a broad range of borrowers, including private and government employees, BPO workers, OFWs and seafarers, self-employed individuals, and licensed professionals. The minimum monthly income requirement is ₱50,000, and your debt-to-income ratio should not exceed 40%. Your property must also have sufficient equity and a clean title to qualify.
BDO typically processes and approves home loan refinance applications within approximately 30 days, provided all required documents are complete and in order. Delays are most often caused by incomplete submissions or property appraisal scheduling. Applying through Nook helps streamline this process since our team reviews your documents before submission to avoid back-and-forth with the bank.
Yes, there are standard third-party costs associated with any refinance — these typically include appraisal fees, notarial fees, registration fees, and documentary stamp tax. However, Nook's broker service is 100% free to borrowers; we are compensated by the bank, not by you. It's worth factoring processing costs into your savings calculation to confirm the switch makes financial sense for your situation.
Yes — refinancing to BDO from another bank is exactly what a loan transfer or refinance is designed for. Whether your current loan is with BPI, Metrobank, Security Bank, or any other lender, BDO can pay out your existing balance and take over as your new lender at a potentially lower rate. Nook manages the coordination between both banks so the transition is as smooth as possible for you.
Check your exact savings in 60 seconds. It's free and takes no commitment.
Check My Savings Now →