BDO's current 1-year fixed rate starts at 6.00% p.a. — but if you took out your loan a few years ago, you could be paying as much as 9% or more. Refinancing through Nook is free and could save you thousands every month.
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Why this matters
BDO Unibank is one of the Philippines' largest and most trusted home loan providers, offering fixed-rate periods of 1, 3, 5, and 10 years. For 2026, BDO's 1-year fixed rate is 6.00% p.a. — a competitive benchmark in today's market. However, many existing BDO borrowers locked in their loans at rates between 7% and 10%, meaning they could be significantly overpaying each month without realising it. If your fixed-rate period has already repriced or is about to expire, now is an ideal time to review your options. You can learn more about BDO's current rates and how refinancing works before making any decisions.
Refinancing your BDO housing loan doesn't have to mean switching banks — but it does mean making sure your rate is still competitive. Through Nook, the Philippines' first digital mortgage broker, you can compare BDO's refinancing offer against rates from BPI, Security Bank, Metrobank, and other leading lenders, all in one place. Nook's service is completely free for borrowers: no broker fees, no hidden charges. BDO accepts refinancing applications from private employees, government workers, OFWs, self-employed professionals, and BPO workers, with a minimum monthly income requirement of ₱50,000 and a maximum debt-to-income ratio of 40%. Typical approval takes around 30 days. If you want to understand the full documentation process, the complete BDO housing loan requirements guide walks you through everything you'll need to prepare.
The savings from refinancing can be substantial. On a ₱3,000,000 loan with 20 years remaining, moving from a 9.00% rate down to BDO's current 6.00% rate could reduce your monthly amortisation by over ₱4,700 — that's more than ₱57,000 saved in the first year alone. Over the life of the loan, total interest savings can run into the hundreds of thousands of pesos. Nook helps you calculate your exact savings, gather your documents, and submit your application — all digitally, all for free. Please note: interest rates are subject to change; always verify the current rate schedule directly with BDO or through Nook before proceeding.
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 current 1-year fixed rate for housing loans is 6.00% p.a. as of 2026. BDO also offers longer fixed-rate periods (3, 5, and 10 years), which may carry slightly different rates. Always confirm the latest schedule with BDO directly or through Nook, as rates are subject to change.
Yes — if your current BDO loan rate is higher than what BDO or another lender is offering today, refinancing allows you to reprice your loan at the lower current rate. Through Nook, you can refinance with BDO itself or compare offers from other partner banks to find the best deal. The entire Nook service is free for borrowers.
BDO's 1-year fixed rate of 6.00% p.a. is competitive with other major Philippine banks, though BPI and Security Bank may offer slightly different rates depending on loan amount, term, and borrower profile. Nook lets you compare live offers from multiple banks side by side so you can make an informed decision without applying to each bank separately.
BDO requires a minimum monthly income of ₱50,000 and a maximum debt-to-income (DTI) ratio of 40%. Eligible borrowers include private employees, government workers, OFWs, seafarers, BPO workers, self-employed individuals, and licensed professionals. Typical loan approval takes approximately 30 days from complete document submission.
Nook's mortgage brokering service is completely free for borrowers — there are no broker fees, application fees, or hidden charges. Nook is compensated by the bank upon successful loan disbursement, so you get expert guidance and bank comparisons at zero cost to you. Standard bank fees such as appraisal and documentary stamp tax may still apply depending on the bank.
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