BDO is one of the Philippines' most trusted home loan providers — but are you getting their best possible rate? Nook helps you compare BDO against the market and apply for free, with no obligation.
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Why this matters
BDO Unibank is one of the most popular choices for home loans in the Philippines, and for good reason. With competitive fixed rates starting at 6.00% p.a. for a 1-year fix, flexible loan purposes ranging from ready-for-occupancy purchases and pre-selling units to refinancing and home equity, and a minimum monthly income requirement of P50,000, BDO opens its doors to a wide range of Filipino borrowers — including private employees, government workers, BPO professionals, OFWs, seafarers, and the self-employed. Typical approval takes around 30 days, and BDO's maximum debt-to-income ratio of 40% gives most middle-income households a realistic path to approval. You can explore BDO's current interest rates and use our calculator to estimate your monthly payments before you apply.
That said, a home loan is rarely a set-and-forget product. Many Filipino homeowners took out their loans when rates were higher — between 7% and 10% — and are still paying those elevated monthly amortisations today. If your existing BDO home loan is more than two years old, there's a strong chance you could be refinancing to a significantly lower rate. Even a reduction of 1.5 to 2 percentage points on a 3,000,000-peso loan can translate to hundreds of thousands of pesos in savings over the remaining term of your loan. If you're weighing your options, our guide on BDO home loans in the Philippines covers everything from requirements to the application process in detail.
Nook is the Philippines' first digital mortgage broker, and our service is completely free to you as a borrower. We compare BDO's rates alongside other leading Philippine banks, help you understand your options, and handle the application process on your behalf — saving you time, paperwork, and stress. Whether you're buying a new home or looking to refinance an existing loan, Nook gives you the clearest picture of what's available so you can make the most informed decision possible. Interest rates are subject to change; we always recommend verifying current rates with your bank or through Nook before making any 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
As a Nook partner bank, BDO currently offers a 1-year fixed rate of 6.00% p.a. for both standard home loans and home equity loans. Rates are subject to change, so it's always worth checking the latest figures — Nook can pull current rates from BDO and other banks side by side so you can compare in one place.
BDO accepts borrowers from a broad range of employment backgrounds, including private employees, government workers, BPO staff, OFWs, seafarers, self-employed individuals, and licensed professionals. The minimum monthly income requirement is P50,000, and your total monthly debt obligations (including the new home loan) should not exceed 40% of your gross monthly income.
BDO's typical approval timeline is around 30 days from the submission of complete documents. Delays are most often caused by missing or incorrect paperwork, so having everything in order before you apply makes a significant difference. When you apply through Nook, our team reviews your documents first to help avoid unnecessary back-and-forth.
Yes — refinancing is one of Nook's core services. If you currently have a BDO home loan (or a loan with any other bank) and your fixed-rate period has ended or is ending soon, Nook can assess whether switching to a lower rate makes financial sense for you. Our service is 100% free to borrowers, and we handle the entire process on your behalf.
BDO home loans can be used for a wide range of purposes, including purchasing ready-for-occupancy (RFO) and pre-selling properties, resale homes, foreclosed assets, new construction projects, renovation, and home equity or refinancing. This flexibility makes BDO a strong option whether you're a first-time buyer or an existing homeowner looking to unlock the value in your property.
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