BDO offers some of the most competitive home loan rates in the Philippines — starting at 6.00% p.a. Apply through Nook for free broker assistance and a faster, smoother process.
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Why this matters
BDO Unibank is one of the Philippines' largest and most trusted banks — and in 2026, it remains a top choice for Filipino homebuyers and homeowners looking to refinance. BDO's home loan product covers a wide range of purposes including ready-for-occupancy (RFO) units, pre-selling properties, home construction, renovation, and refinancing of existing loans. With a 1-year fixed rate of 6.00% p.a., BDO is competitive with the best rates available in the market today. Minimum monthly income requirement starts at ₱50,000, making it accessible for professionals, BPO workers, OFWs, government employees, and the self-employed.
If you already have a home loan — whether with BDO or another bank — and you're paying a rate above 7%, there's a strong case for reviewing your options. Many Filipino homeowners took out loans at rates between 7.5% and 10%, and have never refinanced. On a ₱3,000,000 loan, even dropping your rate by 2 percentage points can save you over ₱4,000 per month. Over a 15-year remaining term, that's hundreds of thousands of pesos back in your pocket. You can review BDO's current home loan interest rates to see how your existing rate compares.
Applying through Nook means you get professional mortgage broker support at zero cost to you — Nook is paid by the bank, not the borrower. Nook's team will help you prepare your documents, compare BDO's offer against other partner banks, and guide you through the full application process. Typical BDO approval takes around 30 days, and Nook helps keep things moving at every step. For a complete breakdown of what you'll need to submit, see our BDO housing loan requirements guide. Whether you're buying your first home or refinancing an existing mortgage, BDO via Nook is worth a serious look in 2026.
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 home loan rate is currently 6.00% p.a. for both standard home purchase and home equity loans. This is among the most competitive rates available from a major Philippine bank, and Nook can help you lock this in for free. Note that interest rates are subject to change — always verify the latest rate directly with BDO or through Nook before applying.
BDO accepts applications from a wide range of employment types including private sector employees, government workers, BPO professionals, OFWs and seafarers, self-employed individuals, and licensed professionals. The minimum monthly income requirement is ₱50,000, and your total debt obligations should not exceed 40% of your gross monthly income (the maximum debt-to-income ratio BDO allows).
Yes — BDO accepts refinancing applications from borrowers with existing home loans at other banks, as well as from existing BDO borrowers. Refinancing to BDO's 6.00% rate can result in significant monthly savings if your current rate is 7.5% or higher. Nook can assess your situation and tell you quickly whether refinancing makes financial sense for you.
BDO's typical approval timeline is around 30 days from submission of a complete application. Incomplete documents are the most common cause of delays, which is why applying through Nook helps — Nook's team reviews your documents before submission to make sure everything is in order and follows up with the bank on your behalf.
Yes, completely free. Nook is a licensed mortgage broker that is compensated by the bank when your loan is successfully approved — you pay nothing for Nook's service at any stage of the process. You get the same BDO rate you would get applying directly, plus the added benefit of expert guidance, document review, and multi-bank comparison at no extra cost.
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