If you took out your BDO home loan a few years ago, you could be paying thousands more than necessary every month. Nook helps you refinance to a rate as low as 5.99% p.a. — for free.
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Why this matters
BDO is one of the Philippines' largest home loan providers, and many Filipinos took out their mortgages with BDO at rates between 7% and 10% during previous fixed-rate periods. If your fixed-rate term has ended or is about to reset, now is the right time to explore refinancing. Through Nook, you can compare BDO's current refinancing rates — including their competitive 1-Year Fixed rate of 6.00% — alongside offers from other leading Philippine banks, all in one place. You can learn more about what BDO currently offers in our BDO home loan interest rate guide for 2026.
Refinancing your BDO home loan through Nook means you get access to a licensed mortgage broker who handles the entire process on your behalf — from comparing lenders to preparing your documents and coordinating with the bank. Unlike going directly to a bank, Nook gives you a side-by-side view of multiple offers so you always know you're getting the best deal available. BDO accepts applications from a wide range of employment types including private employees, government workers, OFWs, seafarers, self-employed professionals, and BPO workers, making it one of the most accessible refinancing options in the market. Typical approval takes around 30 days, and a minimum monthly income of 50,000 is required.
The best part? Nook's service is completely free for borrowers. There are no broker fees, no hidden charges, and no obligation to proceed after comparing. Whether you're refinancing to reduce your monthly payment, shorten your loan term, or access your home equity, Nook simplifies the entire journey. If you want to understand what documents you'll need to get started, check out our complete guide to BDO housing loan requirements. Interest rates are subject to change — we recommend verifying the latest rates directly with BDO or through a Nook advisor before making any 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
Yes, BDO offers internal refinancing, but it's worth comparing their offer against other banks before committing. Through Nook, you can see BDO's refinancing rate alongside offers from institutions like BPI, Security Bank, and Metrobank so you can be confident you're choosing the best available deal. Your loyalty to BDO doesn't mean they'll automatically give you the lowest rate.
BDO's current 1-Year Fixed refinancing rate through Nook is 6.00% p.a. This is among the most competitive rates available in the Philippine mortgage market right now. Note that rates are subject to change, so we recommend speaking with a Nook advisor to confirm the latest figures before applying.
Savings depend on your current rate, outstanding balance, and remaining loan term — but many Filipino homeowners save between 2,000 and 5,000 pesos per month by refinancing from older rates of 8–10% down to current rates around 6%. On a 3,000,000 peso loan, switching from 8.50% to 6.00% could save you over 36,000 pesos per year.
Yes, Nook charges borrowers absolutely nothing. Nook earns a referral fee from the bank when your loan is approved, so there is no cost to you at any point in the process. You get access to a licensed mortgage broker, full document assistance, and multi-bank comparison at zero cost.
BDO's typical approval timeline for refinancing is around 30 days from the time your complete documents are submitted. Nook's advisors help you prepare a complete application from the start, which reduces the risk of delays caused by missing paperwork. Total processing time including title transfer can range from 45 to 60 days depending on your local Registry of Deeds.
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