BDO offers competitive home loan rates starting at 6.00% p.a. — and with Nook, you can apply or refinance for free and see if you qualify for an even better deal.
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Why this matters
BDO Unibank is one of the Philippines' largest banks and a trusted name in home financing. Their 2026 home loan lineup includes a 1-year fixed rate of 6.00% p.a., making it one of the more competitive options available to Filipino borrowers today. Whether you're purchasing a ready-for-occupancy unit, building a new home, or looking to refinance an existing loan, BDO offers flexible terms and accepts a wide range of employment types — including private employees, government workers, BPO professionals, OFWs, seafarers, and the self-employed. You can review the complete BDO housing loan requirements to check if you're eligible before applying.
If you already have a home loan — whether with BDO or another bank — and you're currently paying a rate above 7%, refinancing could save you tens of thousands of pesos every year. Many Filipino homeowners locked in rates between 7.5% and 10% in previous years and haven't revisited their mortgage since. With BDO's current rates and Nook's free broker service, now is a practical time to review your options. Nook compares offers across multiple lenders so you don't have to negotiate on your own. For a deeper look at how BDO's rates stack up historically and today, see our BDO home loan interest rate guide for 2026.
Applying through Nook is completely free for borrowers. Nook handles the paperwork, coordinates with BDO on your behalf, and helps you understand your loan terms before you sign anything. BDO's typical approval timeline is around 30 days, and they require a minimum monthly income of ₱50,000 with a maximum debt-to-income ratio of 40%. Whether you're a first-time buyer or a homeowner looking to lower your monthly payments, Nook makes the process faster and less stressful — at no cost to you. Note: Interest rates are subject to change. Please verify current rates with BDO or through Nook before proceeding.
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 1-year fixed home loan rate is currently 6.00% p.a., which also applies to home equity loans. Rates are subject to repricing after the fixed period, so it's important to understand what your rate will be in year two and beyond. Nook can help you compare BDO's full rate schedule against other lenders before you commit.
BDO requires a minimum monthly income of ₱50,000 and a debt-to-income ratio of no more than 40%. They accept applicants across a broad range of employment types, including private employees, government workers, BPO staff, OFWs, seafarers, self-employed individuals, and licensed professionals. For a full breakdown of documents and eligibility criteria, check our BDO housing loan requirements guide.
Yes — refinancing is one of BDO's supported loan purposes, and Nook specializes in helping Filipino homeowners find better rates on existing mortgages. If you're currently paying above 7% with any bank, there's a strong chance refinancing with BDO or another Nook partner could reduce your monthly payments significantly. The entire process through Nook is free for borrowers.
BDO's typical home loan approval timeline is around 30 days from the time a complete application is submitted. Having all your documents in order upfront is the best way to avoid delays. Nook helps you prepare your application correctly the first time, which can prevent back-and-forth with the bank.
Yes, Nook's mortgage broker service is 100% free to borrowers. Nook earns a referral fee from the bank, not from you, so there's no hidden charge for using the platform. You get access to multiple lender comparisons, application support, and expert guidance without paying anything out of pocket.
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