BDO home loan rates start from 6.00% p.a. in 2026 — but Nook can find you rates as low as 5.99% p.a. across multiple banks, completely free.
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Why this matters
BDO Unibank is one of the Philippines' largest and most trusted home loan providers, and in 2026 their fixed rates start at 6.00% p.a. for a 1-year fixed term — a genuinely competitive offer for Filipino homeowners. If you currently have a BDO housing loan that was taken out or last repriced a few years ago, there's a strong chance your rate is sitting somewhere between 7.5% and 10%, meaning you could be overpaying by tens of thousands of pesos every single year. Refinancing — either back into a new BDO loan or to another lender — could unlock significant monthly savings without extending your financial obligations.
As a Nook partner bank, BDO offers streamlined access through our platform. Nook is the Philippines' first digital mortgage broker, and we work directly with BDO alongside other leading banks to find you the most competitive rate available based on your specific loan amount, income profile, and property type. BDO accepts borrowers from a wide range of employment backgrounds — including private employees, government workers, BPO staff, OFWs, seafarers, and self-employed professionals — with a minimum monthly income requirement of ₱50,000 and typical approvals in around 30 days. You can review the complete BDO housing loan requirements to check your eligibility before applying.
Whether you're looking to refinance an existing loan, tap your home equity, or finance a ready-for-occupancy property, comparing your options is the smartest first move. Nook's service is 100% free to borrowers — we're compensated by banks, never by you. Our team handles the paperwork, negotiations, and bank submissions so you don't have to. Check out our full BDO refinancing guide for 2026 to understand how the process works and what to expect. Note that all rates shown are subject to change — always verify current rates with the bank 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 home loan interest rate starts at 6.00% p.a. for a 1-year fixed term in 2026. Rates may vary depending on your loan amount, term, and borrower profile. We recommend verifying the latest rates directly with BDO or through Nook, as rates are subject to change.
Yes — refinancing your BDO home loan is a straightforward process, and many borrowers save thousands of pesos per month by doing so. You can refinance either back into a new BDO loan at current rates or switch to a different partner bank if they offer a more competitive rate for your situation. Nook compares all options for you at no cost.
BDO requires a minimum monthly income of ₱50,000 and accepts a wide range of employment types including private employees, government workers, BPO staff, OFWs, seafarers, and self-employed professionals. Your total debt obligations should not exceed 40% of your gross monthly income (the maximum debt-to-income ratio). See the complete BDO housing loan requirements guide for a full checklist of documents.
On a ₱3,000,000 loan with 20 years remaining, switching from 8.50% to 6.00% could save you over ₱3,900 per month — that's nearly ₱47,000 per year. Over the life of the loan, total interest savings can exceed ₱700,000. Use Nook's free calculator to get a personalised estimate based on your actual balance and current rate.
Yes, Nook's service is completely free to homeowners and borrowers. Nook is compensated directly by the banks when a loan is successfully placed — similar to how travel agents are paid by airlines, not passengers. You get access to multiple bank offers, professional guidance, and full application support without paying a single peso in broker fees.
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