BDO offers competitive home loan rates starting at 6.00% p.a. — but if your current rate is higher, Nook can help you refinance and save thousands every year at zero cost to you.
YOUR POTENTIAL SAVINGS
No commitment. No credit check. Just your numbers.
Why this matters
BDO Unibank is one of the Philippines' largest and most trusted home loan providers, offering a range of loan products for buyers and homeowners across the country. As a Nook partner bank, BDO currently offers a 1-year fixed rate of 6.00% p.a. — one of the most competitive rates available in the market today. Whether you're looking to purchase a ready-for-occupancy property, fund a renovation, or tap your home equity, BDO's home loan lineup covers a wide range of purposes with flexible terms of up to 25 years. Minimum monthly income requirement is P50,000, and approval typically takes around 30 days.
For many Filipino homeowners, the bigger opportunity lies in refinancing an existing home loan. If your current mortgage was fixed 3 or more years ago, there's a strong chance your rate is between 7% and 10% — significantly higher than what BDO and other Nook partner banks are offering today. Refinancing means replacing your old loan with a new one at a lower rate, which directly reduces your monthly payment and total interest paid over the life of the loan. On a 3,000,000 loan balance, dropping from 8.50% to 6.00% can save you over 700,000 pesos across a 15-year remaining term. You can explore how BDO stacks up against other lenders in our BDO vs BPI home loan comparison.
Nook is the Philippines' first digital mortgage broker, and our service is completely free for borrowers. We compare rates across BDO and multiple other partner banks to find you the best available offer — then handle the paperwork and coordination so you don't have to. There are no broker fees, no hidden charges, and no obligation. If you're curious about what the full BDO application process looks like, our BDO home loan guide walks you through requirements, documents, and timelines in detail. Interest rates are subject to change — always verify current rates with the bank 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 currently offers a 1-year fixed rate of 6.00% p.a. through Nook. This rate applies to both new home purchases and refinancing of existing home loans. Rates are subject to change, so we recommend checking with Nook for the most up-to-date offers.
BDO accepts applications from a wide range of employment types including private employees, government workers, BPO employees, OFWs, seafarers, self-employed individuals, and professionals. The minimum monthly income requirement is P50,000, and your total debt obligations should not exceed 40% of your gross monthly income.
BDO typically processes and approves home loan applications within 30 days from submission of complete documents. Applying through Nook can help streamline this process since our team ensures your documents are complete and correctly submitted from the start.
Yes — refinancing is one of the most popular reasons borrowers come to Nook. If your current home loan rate is above 6.00%, refinancing to BDO or another Nook partner bank could significantly reduce your monthly payment and total interest cost. Nook's refinancing service is 100% free for borrowers.
BDO home loans can be used for a variety of purposes including purchasing ready-for-occupancy (RFO) or pre-selling properties, reselling, new construction, renovation, foreclosed properties, home equity, and refinancing of existing loans. This flexibility makes BDO a strong option for homeowners at different stages of their property journey.
Check your exact savings in 60 seconds. It's free and takes no commitment.
Check My Savings Now →