BDO offers competitive home loan rates starting at 6.00% p.a. — and through Nook, you can compare BDO against the Philippines' top banks in minutes, completely free.
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Why this matters
BDO Unibank is one of the Philippines' most trusted home loan providers, offering a range of loan purposes including refinancing, ready-for-occupancy properties, pre-selling units, new construction, renovation, and home equity. With a 1-year fixed rate of 6.00% p.a., BDO is a strong option for new buyers and existing homeowners alike. Eligibility is accessible — BDO accepts borrowers from the private sector, government employees, BPO workers, OFWs and seafarers, self-employed professionals, and more, with a minimum monthly income requirement of P50,000. Typical loan approval takes around 30 days. For a full breakdown of what you'll need to qualify, see our complete guide to BDO housing loan requirements.
If you already have an existing home loan — whether with BDO or another bank — it's worth checking whether you're still on a competitive rate. Many Filipino homeowners are paying 8% to 10% or more on loans taken out several years ago, when rates were higher. Refinancing to a lower rate can reduce your monthly amortisation significantly and save you hundreds of thousands of pesos over the life of your loan. Through Nook, you can compare BDO's current refinancing rates against other leading Philippine banks side by side, with no broker fees charged to you. To understand what BDO's refinancing rates look like in detail, visit our BDO home loan interest rate guide for 2026.
Applying for a BDO home loan through Nook means you get expert guidance at every step — from document preparation and bank comparison to submission and follow-up — without paying a single peso in broker fees. Nook's service is 100% free to borrowers. Whether you're a first-time buyer exploring your options or a current homeowner looking to lower your monthly payments, Nook makes the process faster, simpler, and more transparent. Note that interest rates are subject to change; always verify the latest rates directly with BDO or through Nook 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's current 1-year fixed home loan rate is 6.00% p.a. for both standard home loans and home equity loans. This rate is competitive among Philippine banks, though rates are subject to change — we recommend verifying the latest figure through Nook or directly with BDO before applying.
BDO accepts a wide range of borrowers including private employees, government workers, BPO professionals, OFWs, seafarers, self-employed individuals, and licensed professionals. You'll need a minimum monthly income of P50,000 and a debt-to-income ratio of no more than 40% to qualify.
BDO typically processes and approves home loan applications within 30 days, provided all required documents are submitted correctly and completely. Working with a mortgage broker like Nook can help ensure your application is complete from the start, reducing the risk of delays.
Yes — BDO accepts refinancing as a valid loan purpose, which means you can switch your existing home loan from another bank to BDO to take advantage of a lower rate. If your current rate is above 7%, refinancing to BDO's 6.00% could meaningfully reduce your monthly amortisation and total interest paid.
Yes, Nook's mortgage brokering service is completely free to borrowers — there are no broker fees, no hidden charges, and no obligation to proceed. Nook is compensated by the banks, not by you, so you get expert guidance and bank comparison at zero cost.
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