BDO offers home loan rates from 6.00% p.a. — but if you took out your loan a few years ago, you could be paying much more. Nook helps you refinance for free and find the best rate available today.
YOUR POTENTIAL SAVINGS
No commitment. No credit check. Just your numbers.
Why this matters
BDO Unibank is one of the Philippines' largest and most trusted home loan providers, offering competitive fixed rates starting at 6.00% p.a. for a 1-year fixed term. Their home loan products cover a wide range of purposes — from ready-for-occupancy (RFO) and pre-selling properties to renovation, refinancing, and home equity. With a minimum monthly income requirement of ₱50,000 and approval timelines of around 30 days, BDO is accessible to employed professionals, OFWs, self-employed individuals, and government workers alike. If you're researching BDO's current offerings, you can also review our complete guide to BDO housing loan requirements to understand exactly what documents and qualifications you'll need.
However, knowing BDO's current rates is only half the story. Many Filipino homeowners who took out their loans between 2018 and 2022 are still locked into rates of 8% to 10% or higher — rates that made sense at the time but now represent a significant overpayment every single month. Refinancing means replacing your existing loan with a new one at a lower rate, and the savings can be substantial. On a ₱3,000,000 loan with 20 years remaining, dropping from 8.50% to 6.00% can free up thousands of pesos every month. For a deeper look at how BDO's refinancing rates stack up, see our 2026 BDO refinancing rate guide.
Nook is the Philippines' first digital mortgage broker, and our service is completely free to borrowers. We work directly with BDO and other leading Philippine banks to find you the most competitive rate for your specific profile — without the paperwork headaches of going bank-to-bank on your own. Whether you're looking to refinance your existing BDO loan or switch from another lender entirely, Nook handles the legwork so you don't have to. Interest rates are subject to change; always verify the latest figures directly with your lender 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 home loan rates starting at 6.00% p.a. for a 1-year fixed term, as well as a 6.00% p.a. home equity rate. These rates are among the more competitive in the Philippine market, though they are subject to change — always confirm the latest rates with BDO directly or through a broker like Nook before applying.
Yes, you can refinance your BDO home loan — either by negotiating a re-pricing with BDO itself or by switching to another lender offering a better rate. Nook compares rates across multiple partner banks including BDO to find the most competitive option for your situation, and the entire brokering service is free to you as the borrower.
BDO requires a minimum monthly income of ₱50,000 and accepts borrowers from a wide range of employment types, including private employees, government workers, BPO staff, OFWs, seafarers, self-employed professionals, and entrepreneurs. Your total debt-to-income ratio (DTI) must generally not exceed 40%. For a full breakdown of documents and eligibility criteria, visit our BDO housing loan requirements guide.
BDO's typical approval timeline is around 30 days from the submission of a complete application. This can vary depending on the complexity of your case, the property type, and how quickly supporting documents are verified. Applying through Nook can help streamline the process, as our team ensures your documents are complete and correctly submitted from the start.
Yes, Nook's service is 100% free to borrowers — there are no broker fees, no hidden charges, and no obligation to proceed after your consultation. Nook is compensated by the bank when a loan is successfully placed, which means you get expert guidance and rate comparisons across multiple lenders at no cost to you.
Check your exact savings in 60 seconds. It's free and takes no commitment.
Check My Savings Now →