BDO's current fixed rate starts at 6.00% p.a. — but if you took out your home loan a few years ago, you could be paying 8% or more. Find out how much you could save by refinancing through Nook for free.
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Why this matters
BDO Unibank is one of the Philippines' largest home loan providers, offering a range of fixed and variable rate options for purchase, construction, and refinancing. For 2026, BDO's 1-year fixed rate sits at 6.00% p.a. — a competitive entry point for borrowers who qualify. However, many existing BDO borrowers are still locked into older repriced rates of 8% to 10%, which means they could be overpaying by thousands of pesos every single month without realising it. If your loan is due for repricing — or has already been repriced upward — now is exactly the right time to review your options. You can check the full BDO home loan interest rate guide for 2026 to understand how their fixed terms and repricing cycles work.
Refinancing your BDO housing loan through Nook means you can compare BDO's current rates alongside other leading Philippine banks — all in one place, at zero cost to you. Nook is the Philippines' first digital mortgage broker, and our service is completely free for borrowers. We handle the paperwork, liaise with the banks, and help you lock in the lowest rate you qualify for. BDO accepts applications from 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 50,000 and a typical approval timeline of around 30 days. Before you apply, it's worth reviewing the complete BDO housing loan requirements guide so you know exactly what documents to prepare.
The savings potential is significant. On a 3,000,000 loan with 20 years remaining, moving from 8.50% to 6.00% saves over 4,000 pesos every month — that's more than 48,000 pesos a year you could redirect toward your family, your business, or paying down your loan faster. Whether you're currently with BDO or another bank entirely, Nook can help you find out if refinancing makes sense for your situation. Interest rates are subject to change and borrowers should verify current rates directly with the bank or through Nook before making a decision.
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 rate for housing loans is currently 6.00% p.a. as a Nook partner bank. This rate applies to eligible refinancing and new purchase loans, though your actual rate may vary depending on your loan amount, term, and credit profile. Always verify the latest rates with BDO directly or through Nook before proceeding.
BDO typically offers fixed-rate periods of 1 year, after which your loan rate is repriced based on prevailing market rates at the time of renewal. If rates have risen since you first took out your loan, your monthly repayment could increase significantly at each repricing date. Many borrowers find it worthwhile to refinance before their next repricing to lock in a lower rate.
Yes — Nook can help you refinance an existing BDO loan either back to BDO at a better rate or to a different partner bank offering a more competitive deal. Our service is 100% free for borrowers, and we compare multiple banks simultaneously so you don't have to apply one by one. Simply submit your details and a Nook mortgage specialist will guide you through your options.
BDO accepts refinancing applications from private and government employees, BPO workers, OFWs, seafarers, self-employed individuals, and professionals. The minimum monthly income requirement is 50,000, and BDO uses a maximum debt-to-income ratio of 40% when assessing affordability. Your existing loan must also typically be in good standing with no recent missed payments.
BDO's typical approval timeline is around 30 days from complete document submission. Applying through Nook can help streamline this process because our team reviews your documents before submission to catch any issues early. Having all your requirements ready upfront — including income documents, property titles, and tax declarations — is the fastest way to move your application forward.
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