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 its home loan products are among the most sought-after in the market. Whether you're buying a ready-for-occupancy condo, financing a house-and-lot in a subdivision, or looking to refinance your existing mortgage, BDO offers flexible fixed-rate periods and loan amounts that suit a wide range of Filipino homebuyers. Its 1-year fixed rate starts at 6.00% p.a., making it one of the more accessible options for borrowers who want predictability in their monthly payments. For a full breakdown of how BDO's rates compare year over year, see our BDO Home Loan Interest Rate 2026 guide.
To qualify for a BDO home loan, you'll generally need a minimum monthly income of 50,000 and a debt-to-income ratio of no more than 40%. BDO accepts a wide range of employment types — including private employees, government workers, BPO professionals, OFWs and seafarers, self-employed individuals, and licensed professionals. Loan purposes covered include purchase of RFO properties, pre-selling units, resale homes, new construction, foreclosed properties, renovation financing, and refinancing of existing loans. For a complete list of eligibility criteria and documentary requirements, visit our BDO Housing Loan Requirements guide.
Applying for a BDO home loan through Nook is completely free. As the Philippines' first digital mortgage broker, Nook helps you compare BDO's rates against other top lenders, prepare your documents correctly the first time, and submit a stronger application — all at no cost to you. Most BDO applications processed through Nook receive a decision within approximately 30 days. Whether you're a first-time homebuyer or refinancing to reduce your monthly payments, Nook makes the process faster, clearer, and less stressful. Note that interest rates are subject to change — always verify the latest rates directly with BDO or through Nook before finalising 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's 1-year fixed home loan rate starts at 6.00% p.a. as of 2026, making it one of the more competitive offerings among major Philippine banks. Rates may vary depending on your loan amount, term, and borrower profile, so it's best to get a personalised quote through Nook or directly from BDO. Always verify the current rate before signing any loan agreement, as rates are subject to change without prior notice.
BDO requires a minimum monthly income of 50,000 and a debt-to-income (DTI) ratio of no more than 40% of your gross monthly income. Eligible borrowers include private and government employees, BPO workers, OFWs, seafarers, self-employed individuals, and licensed professionals. You'll also need to be between 21 and 65 years old at the time of loan maturity and have a good credit history.
BDO typically processes and approves home loan applications within approximately 30 days from submission of complete documents. The timeline can be shorter if your paperwork is in order from the start — which is one of the key advantages of applying through Nook, as our team helps you prepare a complete and accurate submission. Incomplete applications or missing documents are the most common cause of delays.
Yes, BDO accepts home loan refinancing applications from borrowers who currently have a mortgage with another bank. Refinancing to BDO could lower your monthly payments if your current rate is higher than BDO's 6.00% p.a. starting rate. Nook can help you calculate your potential savings and manage the entire refinancing process at no cost to you.
No — Nook's service is completely free for borrowers. Nook is compensated by the bank, not by you, so you get full broker assistance, document preparation support, and rate comparison at zero cost. You'll have access to the same BDO rates as applying directly, plus the added benefit of a dedicated mortgage specialist guiding you through every step.
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