BDO offers home loan rates starting at 6.00% p.a. — but if you're on an old fixed rate, you could be paying thousands more every month than you need to.
BDO LOAN REFINANCE SAVINGS ESTIMATE
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Why this matters
BDO Unibank is one of the Philippines' largest and most trusted home loan providers, offering competitive rates for property purchases, construction, and refinancing. For 2026, BDO's 1-year fixed home loan rate starts at 6.00% p.a. — making it one of the more accessible options for Filipino homeowners looking to reduce their monthly amortisation. Whether you're buying a new property or refinancing an existing loan, BDO's requirements are straightforward: a minimum monthly income of ₱50,000, a maximum debt-to-income ratio of 40%, and eligibility across a wide range of employment types including private employees, government workers, OFWs, BPO professionals, and the self-employed.
If you took out your home loan two or more years ago, there's a strong chance your current interest rate is significantly higher than what's available today. Many Filipino homeowners are still paying between 7% and 10% on loans that could easily be refinanced to BDO's current 6.00% rate — potentially saving them tens of thousands of pesos every year. Refinancing through Nook means you can compare BDO alongside other leading Philippine banks in a single application, with no broker fees charged to you at any point. You can learn more about BDO home loan rates, requirements, and how to apply in 2026 to understand exactly what documentation and eligibility criteria you'll need to prepare.
Nook handles the entire application process on your behalf — from document preparation to bank submission and follow-up — so you don't have to navigate the paperwork alone. BDO typically processes home loan applications within 30 days, and as a Nook partner bank, your application is submitted with full broker support to help maximise your chances of approval at the best available rate. Note: Interest rates are subject to change. Always verify current rates directly with BDO or through Nook before making 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 1-year fixed home loan rate starts at 6.00% p.a. for 2026. This rate applies to both new purchase loans and refinancing, subject to BDO's standard credit assessment and eligibility requirements. Rates are subject to change, so we recommend confirming the latest rates through Nook or directly with BDO before applying.
BDO accepts applications from a wide range of borrowers including private employees, government workers, BPO professionals, OFWs and seafarers, self-employed individuals, and licensed professionals. You'll need a minimum monthly income of ₱50,000 and a total debt-to-income ratio of no more than 40%. Filipino citizens and qualified foreign nationals may be eligible depending on property type and ownership rules.
BDO typically completes home loan processing within approximately 30 days from receipt of a complete set of documents. Delays can occur if supporting documents are incomplete or require additional verification, so it's important to prepare your paperwork thoroughly before submitting. Applying through Nook helps ensure your documents are complete and correctly formatted before submission.
If your current home loan rate is above 7%, refinancing to BDO's 6.00% rate could result in significant monthly savings — potentially thousands of pesos per month on a ₱3,000,000 loan balance. The breakeven point for refinancing typically occurs within 12 to 24 months once you factor in any associated fees. Nook can run a personalised savings estimate for your specific loan so you can make an informed decision.
No — Nook's service is completely free for borrowers. Nook earns a referral fee from the bank upon successful loan disbursement, which means you receive full broker support, document guidance, and bank comparison at no cost to you. There are no hidden charges or obligations involved in getting a savings estimate through Nook.
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