BDO offers competitive home loan rates starting at 6.00% p.a. — and through Nook, you can apply for free, compare multiple lenders, and make sure you're getting the best deal available.
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Why this matters
BDO Unibank is one of the Philippines' largest and most trusted home loan providers, offering a range of fixed-rate periods to suit different borrower needs. Their 1-year fixed rate currently sits at 6.00% p.a., making it one of the more competitive options available to Filipino homebuyers and homeowners today. BDO accepts a wide range of employment types — including private employees, government workers, BPO professionals, OFWs, seafarers, and self-employed individuals — with a minimum monthly income requirement of ₱50,000 and a maximum debt-to-income ratio of 40%. Typical approval takes around 30 days, which is faster than many other major lenders. You can check the complete BDO housing loan requirements guide to see exactly what documents and eligibility criteria apply to your situation.
If you already have a BDO home loan — or any home loan — it's worth checking whether refinancing could reduce your monthly repayments. Many Filipino homeowners are still on rates of 8% to 10% or higher, often on autopilot after their initial fixed period expired. Refinancing to a lower rate can free up thousands of pesos every month without requiring you to move home or take on new debt. For a deeper look at how BDO's rates have moved and what refinancing with them could mean for your loan, see our BDO home loan interest rate and refinancing guide.
Nook is the Philippines' first digital mortgage broker, and our service is completely free to borrowers. We work with BDO and a growing panel of other banks so you can compare offers side by side and apply with confidence. Whether you're buying a new home, financing a renovation, or refinancing an existing loan, Nook handles the legwork — from application to bank submission — so you don't have to. Please note that interest rates are subject to change; always verify current rates directly 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's current 1-year fixed home loan rate is 6.00% p.a., which also applies to their home equity loan product. Rates are subject to change, so we recommend checking through Nook or directly with BDO for the most up-to-date figures before you apply.
BDO accepts applications from a wide range of borrowers, including private employees, government workers, BPO professionals, OFWs, seafarers, self-employed individuals, and professionals. You'll need a minimum monthly income of ₱50,000 and a debt-to-income ratio of no more than 40%. For a full breakdown of what's required, see our BDO housing loan requirements guide.
BDO's typical loan approval timeline is around 30 days from complete document submission. Applying through Nook can help speed things up, as our team reviews your application before submission to make sure everything is in order.
Yes — BDO is one of Nook's partner banks, and you can apply through Nook at no cost to you. Nook's service is 100% free for borrowers; we're compensated by the bank, not by you. You'll also get access to other lender offers so you can make a fully informed decision.
If your current rate is above 7%, there's a good chance refinancing — either with BDO at 6.00% or with another lender through Nook — could save you a significant amount every month. Use Nook's free refinancing calculator to estimate your savings, and apply online in minutes to see what rate you qualify for today.
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