BDO offers some of the Philippines' most competitive home loan rates — but are you getting the best deal available to you? Nook compares BDO against all major banks for free.
POTENTIAL MONTHLY SAVINGS
No commitment. No credit check. Just your numbers.
Why this matters
BDO Unibank is one of the Philippines' largest and most trusted home loan providers, offering financing for ready-for-occupancy properties, pre-selling condos, house-and-lot purchases, home construction, and refinancing. With a 1-year fixed rate starting at 6.00% p.a. and a minimum qualifying income of just ₱50,000 per month, BDO serves a wide range of Filipino borrowers — from salaried employees and BPO workers to OFWs, seafarers, and self-employed professionals. Approval typically takes around 30 days, making it one of the faster processing timelines among major Philippine banks. For a full breakdown of what BDO currently charges across all fixing periods, see our BDO home loan interest rate guide for 2026.
If you already have a BDO home loan — or any home loan — and you're paying a rate above 6.50%, there's a strong chance you're overpaying every single month. Many Filipino homeowners locked in rates between 7% and 10% during earlier repricing periods and simply haven't revisited their options. Refinancing through Nook means we shop your loan across BDO and all major partner banks simultaneously, so you get the most competitive offer without the legwork. Our service is completely free to borrowers — we're paid by the bank, never by you.
Whether you're applying for a new BDO home loan or considering refinancing your existing one, it pays to understand the full picture before you commit. Eligibility, documentary requirements, and loan-to-value limits can vary depending on your employment type, the property you're financing, and your preferred loan term. For a complete checklist of what BDO requires, check out our guide to BDO housing loan requirements. Nook's mortgage specialists can walk you through every step — and make sure you're not leaving savings on the table. Note: interest rates are subject to change; always verify current rates with your bank or broker before making a 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 currently offers a 1-year fixed rate starting at 6.00% p.a. for both standard home purchase loans and home equity loans. Rates for longer fixing periods (3, 5, 10, 20 years) are typically higher to reflect the extended interest rate certainty. Always confirm the latest rates directly with BDO or through a broker like Nook, as rates are subject to change.
BDO accepts borrowers across a wide range of employment types including private employees, government workers, BPO staff, OFWs, seafarers, self-employed individuals, and licensed professionals. You'll need a minimum monthly income of ₱50,000 and your total debt obligations (including the new loan) should not exceed 40% of your gross monthly income. Filipino citizenship or permanent residency is generally required, and the property must be located in the Philippines.
BDO's typical approval timeline is around 30 days from submission of complete documents, which is among the faster processing times of major Philippine banks. The timeline can vary depending on how quickly you submit requirements, the complexity of your income profile, and property appraisal scheduling. Working with a broker like Nook can help you prepare a complete application upfront, reducing the chance of delays.
Yes — BDO accepts refinancing applications from borrowers with existing home loans at other banks, as well as BDO borrowers who want to reprice their current loan. Refinancing makes the most sense when your current rate is significantly higher than what's available today, typically 1% or more above market rates. Nook can calculate your potential savings and handle the application process at no cost to you.
Applying through Nook means you're not just limited to BDO — we compare BDO's offer against all major Philippine banks simultaneously so you can be confident you're getting the most competitive rate for your profile. If BDO is genuinely your best option, we'll tell you that too. Nook's brokerage service is 100% free for borrowers, and our specialists handle the paperwork and follow-ups on your behalf.
Check your exact savings in 60 seconds. It's free and takes no commitment.
Check My Savings Now →