BDO offers a 1-year fixed rate of 6.00% p.a. — and if you're currently paying 8% or more, refinancing through Nook could save you over 58,000 pesos every year at zero cost to you.
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Why this matters
BDO Unibank is one of the Philippines' largest and most trusted home loan providers, and their 2026 rates are among the most competitive in the market. Their 1-year fixed rate currently sits at 6.00% p.a., which is significantly lower than the 8–10% many homeowners locked in during previous years. Whether you're buying a ready-for-occupancy unit, refinancing an existing loan, or tapping your home equity, BDO offers flexible loan purposes and accommodates a wide range of borrower profiles — including private employees, government workers, BPO staff, OFWs, seafarers, self-employed individuals, and licensed professionals. The minimum qualifying monthly income is P50,000, and approvals typically take around 30 days. If you want to understand exactly what documents you'll need to apply, see our BDO Home Loan Requirements 2026 checklist for employed and self-employed borrowers.
One of the most important decisions you'll make as a borrower is choosing between a fixed and variable interest rate. BDO's fixed-rate period locks in your monthly payment for a set term — giving you predictability and protection against rate hikes — after which your rate reprices based on prevailing market conditions. For most Filipino homeowners with a 20-year loan horizon, the 1-year fixed option at 6.00% is an attractive entry point, especially when compared to older loans still running at 8.5% or higher. To dig deeper into which structure suits your situation, our guide on BDO fixed vs variable rates in 2026 breaks down the trade-offs clearly. Nook's role is to help you compare BDO's offer against other partner banks so you can be confident you're choosing the best deal — and our service is completely free for borrowers.
Applying for a BDO home loan or refinancing through Nook is straightforward. You submit one application, and Nook's mortgage specialists handle the bank coordination on your behalf — no broker fees, no hidden charges. BDO's maximum debt-to-income ratio of 40% means your total monthly obligations (including the new home loan) should not exceed 40% of your gross monthly income, which is a standard and manageable threshold for most qualified borrowers. Whether you're refinancing to lower your rate, accessing equity for renovations, or purchasing a new property, BDO's broad loan purpose coverage and Nook's free advisory service make this one of the most accessible home financing options available in the Philippines today. Note that all interest rates quoted are subject to change — always verify the current rate with BDO or through Nook before committing.
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. as of 2026, which also applies to their Home Equity loan product. This is one of the more competitive rates available among major Philippine banks. However, rates are subject to change, so it's worth verifying the latest figures directly through Nook or BDO before you apply.
BDO home loans are available for a range of property types including RFO units, pre-selling developments, resale properties, foreclosed assets, and new construction. The amount you can borrow depends on your income, the appraised value of the property, and your debt-to-income ratio — BDO's maximum DTI is 40%. Applicants need a minimum verified monthly income of P50,000 to qualify.
BDO's typical home loan approval timeline is around 30 days from submission of a complete set of documents. Delays usually happen when required documents are missing or when the property valuation takes longer than expected. Applying through Nook can help streamline the process since our specialists review your file before submission to make sure everything is in order.
If your current home loan is priced at 8% or higher, refinancing to BDO's 6.00% fixed rate could meaningfully reduce your monthly payment and save you hundreds of thousands of pesos over the life of your loan. The right answer depends on your remaining loan balance, term, and any prepayment penalties from your existing bank. Nook can run a free side-by-side comparison so you can see the exact numbers before making any decision.
No — Nook's mortgage brokerage service is 100% free for borrowers. Nook is compensated by the partner banks, not by you, so there are no broker fees or application charges on your end. You get access to multiple bank options, expert guidance, and a managed application process at absolutely no cost.
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