BDO home loan interest rates start at 6.00% p.a. for a 1-year fixed period — but Nook can help you access an even lower rate of 5.99% p.a. and save thousands every year, at zero cost to you.
YOUR POTENTIAL SAVINGS WITH NOOK
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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 that give borrowers predictability over their monthly amortization. Their current 1-year fixed rate stands at 6.00% p.a., making them one of the more competitive banks in the market. BDO accepts a wide range of borrowers — from private and government employees to OFWs, seafarers, self-employed professionals, and BPO workers — with a minimum monthly income requirement of ₱50,000. Whether you're financing a ready-for-occupancy unit, a pre-selling property, a foreclosed asset, or a renovation, BDO has loan products designed for your situation. You can learn more about what documents you'll need in our complete BDO housing loan requirements guide.
If you already have a home loan — whether with BDO or another bank — and you haven't reviewed your rate recently, there's a strong chance you're overpaying. Most Filipino homeowners are still locked into rates of 7% to 10%, which were set during a higher-rate environment. Refinancing to a lower fixed rate through Nook can dramatically reduce your monthly payment and free up cash for other financial goals. Nook works as a digital mortgage broker, comparing offers from BDO and other partner banks to find you the best available rate — and the entire service is 100% free for borrowers.
Approval through BDO via Nook typically takes around 30 days, and debt-to-income ratios of up to 40% are accepted, giving more Filipinos access to competitive financing. Whether you're a first-time applicant or looking to refinance your existing BDO home loan to a better rate, Nook simplifies the entire process — from rate comparison to document submission — so you can lock in savings without the usual bank runaround. Note: Interest rates are subject to change. Always verify current rates with your broker or directly with the bank before making 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 a 1-year fixed home loan rate of 6.00% p.a. and a Home Equity rate also starting at 6.00% p.a. These rates are among the most competitive available from a major Philippine bank. However, through Nook, qualified borrowers may access rates as low as 5.99% p.a. — so it's worth comparing before you sign.
Savings depend on your current rate, outstanding balance, and remaining loan term. On a ₱3,000,000 loan at 8.50%, switching to 5.99% over a 20-year term could save you over ₱3,800 per month — that's more than ₱46,000 a year. Use Nook's free calculator to get an estimate based on your actual loan details.
BDO accepts a wide range of borrowers including private and government employees, BPO workers, OFWs, seafarers, self-employed individuals, and licensed professionals. The minimum monthly income requirement is ₱50,000, and your debt-to-income ratio must not exceed 40%. You can review the full eligibility criteria and required documents in our BDO housing loan requirements guide.
BDO typically processes home loan applications within approximately 30 days when all required documents are complete and in order. Applying through Nook can help streamline this process, as Nook's team reviews your documents before submission to avoid delays. Incomplete submissions are one of the most common causes of slow approvals.
Yes — Nook's mortgage brokering service is 100% free for borrowers. Nook is compensated by the banks, not by you, so there are no broker fees, hidden charges, or markups on your interest rate. You get expert guidance and access to multiple bank offers without paying a single peso more than if you walked into the bank yourself.
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