BDO's 2026 home loan rates start at 6.00% p.a. — but through Nook, qualified borrowers can access rates as low as 5.99% p.a. across multiple lenders, completely free.
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Why this matters
BDO Unibank is one of the Philippines' largest home loan providers, and in 2026 their fixed-rate home loan starts at 6.00% p.a. for a 1-year fixed period. After the fixed period ends, your loan reprices to BDO's prevailing rate — which means homeowners who took out loans in 2020 to 2023 at rates between 7% and 10% are now excellent candidates for refinancing. If your current rate is above 6.50%, the math almost always favours a switch.
Through Nook, you can apply to BDO and compare them side-by-side with other partner banks — all in one free application. BDO accepts borrowers with a minimum monthly income of P50,000, approves most loans within 30 days, and supports a wide range of loan purposes including refinancing, home equity, renovation, and purchase of ready-for-occupancy properties. Their maximum debt-to-income ratio of 40% is standard across the industry, and they welcome private employees, government workers, BPO staff, OFWs, seafarers, self-employed professionals, and more.
The smartest move for any BDO home loan holder in 2026 is to run the numbers before their next repricing date. Even a 1.5 to 2 percentage point reduction on a P3,000,000 balance can save you tens of thousands of pesos per year. Nook's free broker service handles the comparison, paperwork, and bank coordination on your behalf — so you get the best available rate without paying a single centavo in broker fees. Note that interest rates are subject to change; always verify current rates with your lender 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 2026 home loan rate starts at 6.00% p.a. for a 1-year fixed period. After the fixed term, your loan reprices to BDO's prevailing variable rate, so it's important to review your rate at each repricing date. Rates are subject to change — verify the latest figures with BDO directly or through Nook.
On a P3,000,000 loan with a remaining 20-year term, moving from 8.50% to 5.99% can reduce your monthly payment by over P3,800 — that's more than P46,000 saved per year. Your actual savings depend on your outstanding balance, remaining term, and the rate you qualify for.
Both are possible through Nook. If you currently have a home loan with another bank and want BDO's competitive rates, Nook can help you refinance into BDO. If you already have a BDO loan and want to explore whether another bank offers a better rate, Nook compares all options so you always land on the best deal.
BDO requires a minimum monthly income of P50,000 and a maximum debt-to-income ratio of 40%. They accept a wide range of employment types including private employees, government workers, BPO staff, OFWs, seafarers, and self-employed professionals. Typical loan approval takes around 30 days.
Yes — Nook's mortgage broker service is 100% free to the borrower. Nook is compensated directly by the bank when your loan is approved, so you pay nothing extra and your loan rate is not affected. You get expert guidance, bank comparison, and application support at zero cost.
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