BDO offers one of the Philippines' most competitive home loan rates at 6.00% p.a. fixed — and through Nook, you can apply or refinance for completely free.
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Why this matters
BDO Unibank is one of the Philippines' largest and most trusted home loan providers, offering fixed interest rates starting at 6.00% p.a. for a 1-year fixed period. Whether you're purchasing a ready-for-occupancy unit, refinancing an existing loan, or tapping your home equity, BDO's home loan product covers a wide range of purposes — from new construction and pre-selling properties to reselling and renovation. With a minimum monthly income requirement of just ₱50,000 and an approval timeline of around 30 days, BDO is accessible to a broad range of Filipino borrowers including private employees, government workers, BPO professionals, OFWs, seafarers, and the self-employed. You can learn more about eligibility in our complete guide to BDO housing loan requirements.
Many Filipino homeowners are currently paying rates between 7% and 10% on loans they took out years ago — often without realising that refinancing to a lower rate could save them tens of thousands of pesos every year. If your current bank's rate is significantly higher than BDO's 6.00%, refinancing could be one of the smartest financial moves you make in 2026. Nook's free broker service compares BDO alongside other leading Philippine banks so you always get the most competitive deal available to you. For a detailed breakdown of what BDO is currently offering, see our BDO home loan interest rate guide for 2026.
Applying through Nook means you get expert guidance at zero cost — Nook is paid by the bank, never by you. Our team handles the paperwork, coordinates with BDO directly, and works to get your application approved as quickly as possible. Whether you're a first-time applicant or looking to refinance your existing mortgage, Nook makes the process simple, transparent, and stress-free. Please note that interest rates are subject to change — we recommend verifying 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 interest rate of 6.00% p.a. for both standard home loans and home equity loans. Rates are subject to repricing after the fixed period ends, so it's worth reviewing your options before your loan reprices. Nook can help you compare this against other banks to ensure you're always on the best available rate.
BDO accepts applications from a wide range of borrowers 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-to-income ratio must not exceed 40%. For a full checklist of requirements, visit our BDO housing loan requirements guide.
BDO's typical loan approval timeline is around 30 days from submission of complete documents. Delays can occur if supporting documents are incomplete or require additional verification. Applying through Nook helps ensure your documents are in order before submission, which can significantly reduce back-and-forth with the bank.
Yes, BDO accepts refinancing applications from borrowers with existing home loans at other banks. Refinancing to BDO's 6.00% rate could result in meaningful monthly savings if your current rate is 7% or higher. Nook will calculate your exact savings and handle the entire refinancing process for free.
Nook's service is 100% free for borrowers — there are no broker fees, consultation charges, or hidden costs. Nook earns a referral fee directly from the bank upon successful loan disbursement, so you get expert mortgage guidance at no expense to you. You'll still be responsible for standard bank charges such as appraisal and processing fees as required by BDO.
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