BDO offers a 1-year fixed rate of 6.00% p.a. in 2026 — if you're currently paying 8% or more, Nook can help you refinance for free and potentially save thousands every month.
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Why this matters
BDO Unibank is one of the Philippines' most trusted home loan providers, and in 2026 they're offering a 1-year fixed rate of 6.00% p.a. — one of the most competitive rates available in the market today. Whether you're buying a ready-for-occupancy unit, refinancing an existing loan, funding a renovation, or unlocking equity from your home, BDO has a loan purpose that fits. They accept a wide range of employment types including private employees, government workers, BPO professionals, OFWs, seafarers, and self-employed individuals, with a minimum monthly income requirement of just P50,000 and a maximum debt-to-income ratio of 40%. Typical approval takes around 30 days, making BDO one of the faster options in the Philippine market. You can learn more about BDO's current home loan interest rates and how they compare in our dedicated guide.
If you already have a BDO housing loan — or a home loan with any other Philippine bank — now is an excellent time to review your rate. Many Filipino homeowners locked in rates of 8% to 10% during earlier fixed periods and haven't revisited their loan since. Refinancing to BDO's 6.00% rate through Nook could cut your monthly amortization by thousands of pesos, with zero broker fees charged to you. Nook is the Philippines' first digital mortgage broker, and our service is completely free for borrowers. We handle the comparison, paperwork coordination, and lender communication so you don't have to. Before you apply, it's worth checking the complete BDO housing loan requirements to make sure you have everything ready.
The savings calculator above gives you a real sense of what switching could mean for your household budget. On a P3,000,000 loan with 20 years remaining, moving from 8.50% to 6.00% translates to meaningful monthly relief — money that could go toward your children's education, emergency savings, or simply financial breathing room. Use Nook to apply online in minutes, and let us find the best BDO deal available for your situation. Note: Interest rates are subject to change. Please verify current rates with BDO or through Nook before finalising your application.
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 housing loans in 2026, which is among the most competitive rates available from a major Philippine bank. This rate applies to both new purchases and refinancing, including home equity loans. As rates are subject to change, we recommend confirming the latest figures through Nook or directly with BDO before applying.
BDO accepts a broad range of borrower profiles including private employees, government workers, BPO professionals, OFWs, seafarers, self-employed individuals, and licensed professionals. The minimum monthly income requirement is P50,000, and your total monthly debt obligations (including the new loan) should not exceed 40% of your gross monthly income. Meeting these criteria gives you a strong foundation for approval.
BDO typically processes and approves housing loan applications within 30 days, which is faster than many other Philippine banks. The timeline can depend on how quickly you submit complete documentation and how straightforward your financial profile is. Applying through Nook can help streamline the process since our team guides you on exactly what to prepare.
Yes — Nook's mortgage brokerage service is 100% free for borrowers. You pay nothing to Nook for comparing lenders, submitting your application, or getting expert guidance through the process. Nook is compensated by the bank if your loan is approved, so there's no cost or catch on your end.
Absolutely. Refinancing is one of the most common reasons Filipino homeowners come to Nook, and BDO is a strong option for borrowers looking to lower their monthly payments. If you're currently on a higher rate — say 8% to 10% — refinancing to BDO's 6.00% fixed rate could save you tens of thousands of pesos per year. Nook will assess your current loan, compare available offers, and handle the switch on your behalf at no charge.
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