BDO offers home loans from 6.00% p.a. — and if you're currently paying more, Nook can help you refinance for free and start saving every month.
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Why this matters
BDO Unibank is one of the Philippines' largest and most trusted home loan providers, offering competitive rates starting at 6.00% p.a. for a 1-year fixed term. Whether you're buying a new home, purchasing a pre-selling condo, or refinancing an existing loan, BDO has flexible options for private employees, government workers, BPO professionals, OFWs, seafarers, and the self-employed — with a minimum monthly income requirement of just ₱50,000. With a typical approval timeline of around 30 days, it's one of the faster major banks in the market. You can learn more about BDO's current home loan interest rates and how they compare for refinancing.
If you already have a home loan — whether with BDO or another bank — there's a strong chance you're paying a higher rate than you need to be. Many Filipino homeowners are locked into rates between 7% and 10%, often because they've never had the time or tools to compare alternatives. That's exactly what Nook was built for. As the Philippines' first digital mortgage broker, Nook shops multiple partner banks on your behalf — including BDO — and finds you the lowest available rate at no cost to you whatsoever. For a full breakdown of what documents and eligibility criteria you'll need to prepare, check out our complete guide to BDO housing loan requirements.
Applying through Nook takes minutes, not months. You fill out one simple form, and our team handles the bank coordination, paperwork follow-up, and rate negotiation for you. There are no broker fees, no hidden charges — just a faster, smarter way to get the best BDO home loan deal possible. Whether you're a first-time buyer or a seasoned property owner looking to cut your monthly payments, Nook puts the best rates in the Philippines at your fingertips. Note: Interest rates are subject to change. Please verify current rates with BDO 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
BDO currently offers a 1-year fixed home loan rate of 6.00% p.a., making it one of the more competitive options among major Philippine banks. Rates are subject to change, so it's always best to check the latest figures through Nook or directly with BDO before applying. Nook can also compare BDO's rate against other top banks to make sure you're getting the best deal available.
BDO accepts applications from a wide range of employment types, including private employees, government workers, BPO professionals, OFWs, 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 (maximum debt-to-income ratio). Filipino citizens and qualified resident aliens may apply.
BDO home loans can be used for a variety of purposes including purchasing a ready-for-occupancy (RFO) property, buying a pre-selling unit, home renovation, new construction, reselling, refinancing an existing home loan from another bank, or accessing your home equity. This flexibility makes BDO a strong option whether you're buying your first home or optimising an existing mortgage.
BDO typically processes home loan applications within approximately 30 days, which is faster than many other major Philippine banks. Approval timelines can vary depending on the completeness of your documents and your specific loan purpose. Applying through Nook helps streamline the process — our team ensures your documents are in order before submission to avoid unnecessary delays.
Yes, Nook's service is completely free for borrowers. Nook earns a referral fee from the bank upon successful loan disbursement, so you never pay a broker fee or any hidden charges. You get expert guidance, rate comparison across multiple banks, and full application support — all at zero cost to you.
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