BDO's competitive rates are good, but you could save even more by refinancing with our partner banks at rates as low as 5.99%.
POTENTIAL MONTHLY SAVINGS
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Why this matters
BDO Unibank offers competitive home loan rates in 2026, with their 1-Year Fixed rate at 6.00% and Home Equity loans also at 6.00%. These rates are among the better options in the Philippine banking sector, requiring a minimum monthly income of ₱50,000 and offering typical approval within 30 days. BDO serves various employment types including private employees, government workers, BPO staff, OFWs, self-employed individuals, and professionals.
However, even with BDO's competitive positioning, you might find better rates through Nook's partner network. Our platform connects you with multiple lenders offering rates as low as 5.99%, potentially saving you thousands monthly. The difference between an 8.50% rate and a 5.99% rate on a ₱3 million loan can result in over ₱5,000 in monthly savings. If you're currently paying higher rates with any bank, exploring refinancing options could significantly reduce your financial burden while maintaining the same loan term.
Nook's free broker service helps you compare offers from multiple banks without the hassle of visiting different branches. Interest rates are subject to change, so it's important to verify current rates and explore all available options to ensure you're getting the best deal for your financial situation.
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 Unibank offers a 1-Year Fixed rate of 6.00% and Home Equity loans at 6.00% for 2026. These are competitive rates in the current market, with minimum income requirements of ₱50,000 monthly and typical approval timeframes of 30 days.
Yes, through Nook's partner network, you can access rates as low as 5.99% from other reputable banks. Even a small rate difference can result in significant monthly and lifetime savings on your home loan.
BDO typically processes home loan applications within 30 days, with a maximum debt-to-income ratio of 40%. They accept various employment types including private employees, government workers, BPO staff, OFWs, self-employed individuals, and professionals.
BDO offers home loans for multiple purposes including home equity, foreclosed properties, new construction, pre-selling units, ready-for-occupancy properties, renovation, and reselling. This flexibility makes them suitable for various homeownership needs.
If you're currently paying above 6.00%, BDO's rates could offer savings, but you should compare with other lenders first. Nook can help you explore all available options to ensure you get the lowest possible rate for your situation.
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