BDO home loan rates start at 6.00% p.a. — but if your current loan is above that, you could be paying thousands more than you need to. Compare your rate free through Nook in minutes.
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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. Whether you're buying a ready-for-occupancy unit, refinancing an existing loan, or tapping your home equity for renovation or other needs, BDO has loan products designed for a wide range of Filipino borrowers — including salaried employees, OFWs, self-employed professionals, and government workers. With a minimum qualifying income of P50,000 per month and a typical approval timeline of around 30 days, BDO is an accessible and reliable option for homeowners looking to make their mortgage work harder for them. You can explore BDO home loan requirements and how to apply in full detail on our dedicated guide.
That said, the rate you were offered when you first took out your home loan may look very different from what's available today. Many Filipino homeowners are still paying rates of 8% to 10% on loans they took out several years ago — often without realising that refinancing could significantly reduce their monthly payments. On a 3,000,000 peso loan with 20 years remaining, dropping from 8.50% to 6.00% could save you nearly 4,000 pesos every single month. Over the life of the loan, that's a substantial sum that could go toward your children's education, emergency savings, or paying down your principal faster.
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 available for your situation — without you having to visit a single branch or fill out the same form twice. If you're curious how BDO stacks up against other lenders, or want to understand the full breakdown of BDO home loan interest rates for 2026, our guides have everything you need. Apply through Nook and let us do the legwork for you. Interest rates are subject to change; please verify current rates at the time of your application.
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 home loan rate starts at 6.00% p.a. for a 1-year fixed term, making it one of the more competitive options among Philippine banks. Rates may vary depending on your loan amount, term, and financial profile, and are subject to change — always verify the latest rate when you apply. Through Nook, you can check whether BDO or another partner bank offers a better rate for your specific situation at no cost to you.
BDO accepts applications from a wide range of employment types, including private sector employees, government workers, BPO employees, OFWs and seafarers, self-employed individuals, and licensed professionals. The minimum qualifying monthly income is P50,000, and your total debt obligations generally should not exceed 40% of your gross monthly income. If you're unsure whether you qualify, Nook can assess your eligibility across multiple banks at the same time.
BDO home loans cover a broad range of purposes including purchasing ready-for-occupancy or pre-selling properties, refinancing an existing home loan from another bank, home equity cash-out, new construction, renovation, and buying foreclosed or resale properties. This flexibility makes BDO a strong option whether you're a first-time buyer or an existing homeowner looking to restructure your finances. Nook can help you identify the right loan purpose and product for your goals.
BDO's typical home loan approval timeline is around 30 days from the date of complete document submission. Processing time can vary depending on the complexity of your application, the property type, and how quickly required documents are provided. Applying through Nook helps streamline this process — we guide you through exactly what's needed to avoid back-and-forth delays.
Yes, Nook's mortgage brokering service is 100% free to borrowers — there are no fees, no hidden charges, and no obligation to proceed after your initial comparison. Nook is compensated by the bank if your loan is successfully placed, meaning you get professional guidance and multi-bank comparison at zero cost to you. It's the easiest way to make sure you're getting the best available rate before you commit.
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