BDO home loan rates start at 6.00% p.a. — but Nook can help you access a 5.99% refinance rate and potentially save thousands every year. Free broker service, zero hidden fees.
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Why this matters
BDO Unibank is one of the Philippines' largest and most trusted home loan providers, offering fixed-rate periods from 1 year up to longer terms. Their 2026 home loan interest rate for a 1-year fixed period starts at 6.00% p.a. — a competitive option for borrowers with a minimum monthly income of ₱50,000. BDO accepts a wide range of employment types including private employees, government workers, BPO professionals, OFWs, seafarers, self-employed individuals, and licensed professionals. Typical loan approval takes around 30 days, and BDO supports loan purposes from ready-for-occupancy purchases and reselling to refinancing, renovation, and new construction. For a full breakdown of what documents and eligibility criteria you'll need, see our BDO housing loan requirements guide.
Many Filipino homeowners took out their BDO home loans during periods when rates were significantly higher — often between 7.50% and 10% p.a. If your current loan is on a rate above 6.00%, refinancing could meaningfully reduce your monthly amortisation and free up cash for other financial goals. On a ₱3,000,000 loan with 20 years remaining, moving from a rate of 8.50% down to 5.99% translates to nearly ₱3,900 in monthly savings — that's over ₱46,000 a year back in your pocket. Nook's platform lets you compare BDO's refinancing offer alongside other top Philippine banks, so you always see the full picture before you decide.
Applying through Nook is completely free for borrowers. As the Philippines' first digital mortgage broker, Nook handles the paperwork, coordinates with BDO and other lenders, and guides you through every step of the refinancing process — at no cost to you. Whether you're refinancing an existing BDO loan or switching from another bank, Nook's team ensures you get the most competitive rate available. Note that interest rates are subject to change — always verify the latest BDO home loan rates directly or through Nook before submitting your application. For more on the refinancing process with BDO specifically, visit our BDO refinancing rates guide.
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 starts at 6.00% p.a. for both standard home loans and home equity products. Rates may vary depending on your loan amount, term, and borrower profile, so it's always best to confirm the latest figures through Nook or directly with BDO before applying.
BDO typically processes and approves home loan applications within 30 days from submission of complete documents. Working with Nook can help streamline the process, as our team ensures your application is properly prepared before submission — reducing the risk of delays due to missing or incorrect paperwork.
Yes — if your current BDO loan is on a rate higher than what's available today, refinancing is a straightforward way to reduce your monthly payments. You can refinance within BDO or switch to another lender offering a better rate. Nook compares multiple banks simultaneously so you can identify the best refinancing option for your specific loan balance and remaining term.
BDO requires a minimum monthly income of ₱50,000 and applies a maximum debt-to-income (DTI) ratio of 40%, meaning your total monthly debt obligations — including the new home loan payment — should not exceed 40% of your gross monthly income. BDO accepts income from private employment, government work, BPO roles, OFW/seafarer remittances, self-employment, and licensed professional practice.
Yes, Nook's service is 100% free to the borrower. Nook earns a referral fee from the bank when your loan is successfully approved — meaning you get expert mortgage guidance, bank comparisons, and application support at zero cost to you. There are no hidden charges or broker fees added to your loan.
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