BDO offers a 6.00% p.a. fixed rate for refinancing — and if you're currently paying 8% or more, switching could save you thousands of pesos every month. Nook makes the whole process free and hassle-free.
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Why this matters
BDO Unibank is one of the Philippines' largest and most trusted banks — and in 2026, it's also one of the most competitive options for home loan refinancing. BDO's refinance rate starts at 6.00% p.a. fixed for the first year, making it a strong choice for homeowners who are locked into older, higher-rate loans from other banks. Whether your current loan is with BPI, Metrobank, Security Bank, or any other lender, transferring to BDO could meaningfully reduce what you pay every month. If you want a full breakdown of how the process works, our BDO refinance 2026 rates and process guide covers everything in detail.
To qualify for BDO's home loan refinance, you'll need a minimum monthly income of 50,000 pesos, and BDO accepts a wide range of employment types — including private employees, government workers, BPO professionals, OFWs, seafarers, self-employed individuals, and licensed professionals. BDO typically processes refinance applications within 30 days, and their maximum debt-to-income ratio (DTI) is 40%, which means your total monthly debt obligations — including the new home loan — should not exceed 40% of your gross monthly income. For a step-by-step walkthrough on how to prepare your documents and submit your application, see our guide to transferring your home loan to BDO.
Applying through Nook is completely free for borrowers. As the Philippines' first digital mortgage broker, Nook does the legwork of comparing lenders, preparing your documents, and coordinating with BDO on your behalf — at no cost to you. There are no broker fees, no hidden charges, and no obligation to proceed. You simply share your loan details, and Nook shows you whether refinancing to BDO makes financial sense for your situation. Note: Interest rates are subject to change. Please verify current rates 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's home loan refinance rate starts at 6.00% p.a. fixed for the first year as of 2026. This rate applies to refinancing from another bank into BDO, and is subject to change — always confirm the latest rate through Nook or directly with BDO before you apply.
BDO accepts applicants who earn at least 50,000 pesos per month, whether they are private employees, government workers, BPO staff, OFWs, seafarers, self-employed individuals, or licensed professionals. Your total monthly debt obligations must not exceed 40% of your gross monthly income, and your property must meet BDO's appraisal requirements.
BDO typically processes and approves home loan refinance applications within 30 days, provided all required documents are submitted correctly and completely. Applying through Nook can help speed this up since Nook reviews your documents before submission to avoid delays or back-and-forth with the bank.
Nook's service is 100% free for borrowers — there are no broker fees, application fees, or hidden charges for using Nook to refinance your loan to BDO. Standard bank fees such as appraisal, notarial, and transfer fees may still apply, and Nook will walk you through what to expect.
If you're currently paying a rate of 8% or higher, refinancing to BDO at 6.00% on a loan of 3,000,000 pesos could save you close to 4,000 pesos per month — that's nearly 48,000 pesos a year. Whether the switch makes sense depends on your remaining loan term, existing penalties, and the fees involved, which is exactly what Nook helps you calculate for free before you commit.
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