BDO's 2026 housing loan rates start at 6.00% p.a. fixed — but are you already paying more than you should? Nook helps you compare and switch for free.
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Why this matters
BDO Unibank is one of the Philippines' largest home loan providers, and in 2026 their fixed-rate housing loans are priced at 6.00% p.a. for a 1-year fixed term — a genuinely competitive rate in the current market. But the more important question for most Filipino homeowners isn't what BDO is offering today: it's whether the rate you locked in two, five, or even ten years ago still makes sense. Many existing borrowers are sitting on rates between 8% and 10%, quietly paying thousands of pesos in excess interest every single month. If that sounds familiar, a refinance could be the smartest financial move you make this year. You can learn more about BDO's current home loan interest rates and how refinancing works before you decide.
When it comes to fixed vs. variable rates, the choice depends on your risk tolerance and how long you plan to stay in your home. A fixed rate locks in your monthly amortisation for the repricing period — typically 1, 2, 3, or 5 years — giving you predictability and protection against rate increases. A variable rate moves with market benchmarks and can go lower, but it can also go higher, making budgeting less certain. For most Filipino homeowners with a long remaining loan term, a fixed rate offers peace of mind that's genuinely worth paying a small premium for. BDO's 1-year fixed at 6.00% is currently one of the sharper offers in the market, especially for borrowers refinancing from older, higher-rate loans.
Nook is the Philippines' first digital mortgage broker, and our service is completely free for borrowers. We work with BDO and a network of partner banks to find you the best available rate based on your loan balance, property value, and income profile. Whether you want to refinance into BDO or compare BDO against other lenders, Nook handles the legwork so you don't have to. If you're preparing to apply, it's worth reviewing the complete guide to BDO housing loan requirements so you know exactly what documents to prepare. Note that all interest rates are subject to change — always verify the latest rates directly with Nook or the bank before making a financial 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 current housing loan rate starts at 6.00% p.a. for a 1-year fixed term, which applies to both new home purchases and refinancing. Rates for longer fixed periods (2, 3, or 5 years) are typically slightly higher to reflect the added security of a longer lock-in. Always confirm the latest rates with Nook or BDO directly, as these can change without prior notice.
For most borrowers, a fixed rate is the safer and more practical choice — it keeps your monthly amortisation predictable and protects you if interest rates rise during the fixed period. Variable rates can offer savings when market rates drop, but they introduce uncertainty that can strain household budgets. If you have a long remaining loan term and value stability, locking in BDO's 6.00% fixed rate through Nook is worth serious consideration.
Yes — refinancing your current home loan to BDO is a common and straightforward process, especially if you're currently paying 8% or higher with another lender. BDO accepts refinancing applications from borrowers with a minimum monthly income of ₱50,000 and typically approves applications within 30 days. Nook can handle your application at no cost to you and will help ensure your paperwork is complete before submission.
On a ₱3,000,000 loan with 20 years remaining, switching from 8.50% to 6.00% cuts your monthly amortisation by approximately ₱3,834 — that's over ₱46,000 in savings in the first year alone. Over the full remaining term, the total interest savings can exceed ₱690,000. Use Nook's free calculator to see a personalised estimate based on your actual loan balance and current rate.
Nook's service is genuinely 100% free for borrowers — there are no broker fees, application fees, or hidden charges on your end. Nook earns a referral fee from the bank when a loan is successfully processed, which is a standard industry arrangement that doesn't affect the rate you receive. You get the same — or better — rates through Nook as you would by going directly to the bank, with the added benefit of having an expert guide you through the entire process.
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