Refinancing to BDO's 6.00% fixed rate could save you thousands every month — and Nook makes it 100% free to find out how much.
YOUR POTENTIAL SAVINGS
No commitment. No credit check. Just your numbers.
Why this matters
BDO Unibank is one of the Philippines' largest and most trusted banks — and through Nook, qualified borrowers can access BDO's 1-year fixed home loan rate of 6.00% p.a. This is a significant drop compared to what most Filipino homeowners are currently paying, which typically ranges from 7% to 10% depending on when they first took out their loan and which bank they're with. If your current rate is anywhere in that range, a BDO home loan refinance could cut your monthly amortization by thousands of pesos.
To qualify, BDO requires a minimum monthly income of ₱50,000 and accepts borrowers across a wide range of employment types — including private sector employees, government workers, BPO professionals, OFWs, seafarers, self-employed individuals, and licensed professionals. BDO typically completes approvals within 30 days, and the refinancing process covers a range of loan purposes including refinancing, renovation, home equity, and ready-for-occupancy properties. With a maximum debt-to-income ratio of 40%, BDO's credit assessment is structured to accommodate borrowers with existing financial commitments.
Applying through Nook means you get full broker support at zero cost to you — Nook is compensated by the bank, not the borrower. Rather than navigating BDO's requirements on your own, Nook's advisors guide you through document preparation, submission, and follow-up. If you want to understand exactly what to expect at each stage, our detailed BDO refinance step-by-step guide walks you through the full process from application to release. Please note that interest rates are subject to change — always verify the latest rates directly with BDO or through Nook 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 currently offers a 1-year fixed rate of 6.00% p.a. for home loan refinancing through Nook. This rate is competitive relative to the 7–10% range that many Filipino homeowners are still paying on older loans. Rates are subject to change, so we recommend checking with Nook for the latest confirmed figures before proceeding.
BDO requires a minimum monthly income of ₱50,000 and accepts borrowers from a wide range of employment backgrounds, including private employees, government workers, BPO staff, OFWs, seafarers, self-employed individuals, and professionals. Your total monthly debt obligations (including the new loan) must not exceed 40% of your gross monthly income. Standard documents include proof of income, government-issued IDs, your existing loan statement of account, and property documents.
BDO typically processes and approves home loan refinance applications within 30 days from submission of complete documents. The timeline can vary depending on the complexity of your application and how quickly your current bank releases the required payoff documents. Applying through Nook helps keep the process on track, as our advisors actively follow up on your behalf.
Yes, BDO will require a property appraisal as part of the refinancing process, and an appraisal fee is typically charged. This is a standard requirement across all banks to determine the current market value of your property, which affects the maximum loan amount BDO can approve. Nook can give you a clearer estimate of expected fees before you commit to the process.
If your remaining loan term is less than 5 years, the monthly savings from refinancing may not offset the upfront costs like appraisal fees, legal fees, and documentary stamps — so the math needs to be carefully checked. However, if you have 10 or more years remaining on your loan, refinancing to BDO's 6.00% rate from a higher rate can result in very significant total savings. Nook can run a personalised calculation for your specific situation so you can make an informed decision.
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