BDO offers a 6.00% fixed rate for home loan refinancing in 2026 — if you're currently paying 8% or more, you could be saving thousands every month without paying a single centavo in broker fees.
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Why this matters
BDO Unibank is one of the Philippines' largest and most trusted home loan providers, and in 2026 it remains a top choice for Filipino homeowners looking to refinance. As a Nook partner bank, BDO offers a competitive 1-year fixed rate of 6.00% p.a. for refinancing — well below what most borrowers are currently paying on older home loans. BDO accepts a wide range of borrowers including salaried employees in private companies, government workers, BPO professionals, OFWs, seafarers, self-employed individuals, and licensed professionals. The minimum qualifying monthly income is ₱50,000, and BDO typically completes approvals within 30 days. For a full breakdown of their current published rates, see our BDO home loan interest rate guide for 2026.
To qualify for a BDO housing loan refinance, you'll need to meet standard eligibility criteria and prepare a set of documents covering your identity, income, and the property itself. Requirements typically include a valid government-issued ID, proof of income (payslips, ITR, or business documents for the self-employed), a copy of the Transfer Certificate of Title (TCT), a tax declaration, and a recent Statement of Account from your current lender. BDO's maximum debt-to-income ratio is 40%, which means your total monthly loan obligations — including the new housing loan — should not exceed 40% of your gross monthly income. For a detailed checklist, visit our complete BDO housing loan requirements guide.
Applying through Nook is 100% free for borrowers. Nook acts as your digital mortgage broker — we help you compare BDO's offer alongside other leading Philippine banks, handle the paperwork coordination, and guide you through each step of the process at no cost to you. Whether you're refinancing a condominium, a house and lot, or a townhouse, Nook can help you determine if switching to BDO's 6.00% rate makes financial sense based on your current balance, remaining term, and monthly cash flow. Note: Interest rates are subject to change. Please verify current rates with BDO or through Nook before submitting 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 currently offers a 1-year fixed rate of 6.00% p.a. for home loan refinancing, making it one of the more competitive options among major Philippine banks. This rate applies to qualified borrowers and is subject to change, so we recommend confirming the latest rates with BDO directly or through Nook before you apply.
BDO accepts borrowers who are at least 21 years old and not older than 70 at loan maturity, with a minimum gross monthly income of ₱50,000. Accepted employment types include private-sector employees, government workers, BPO staff, OFWs, seafarers, self-employed individuals, and licensed professionals. You'll also need to submit income documents, a valid ID, and property-related papers such as the TCT and tax declaration.
BDO typically completes home loan approvals within 30 days from the date of complete document submission. Delays can occur if any required documents are missing or if the property appraisal takes longer than expected. Applying through Nook helps ensure your documents are complete and properly organized before submission, which can speed up the process.
Yes, BDO accepts refinancing applications from borrowers with existing home loans at other banks or financial institutions. You'll need to provide a recent Statement of Account from your current lender showing your outstanding balance, and your property title must be clean and free of adverse claims. BDO's 6.00% refinancing rate could offer significant savings if you're currently on a rate of 8% or higher.
Yes, Nook's service is completely free for borrowers. Nook is compensated by the bank upon successful loan disbursement, so you pay nothing for the comparison, advice, or application assistance. You get the same — or better — loan terms as applying directly, plus the benefit of having a dedicated mortgage broker guide you through the process.
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