BDO offers one of the Philippines' most competitive home loan rates at 6.00% p.a. (1-year fixed) — and if you're currently paying more, Nook can help you refinance for free.
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Why this matters
BDO Unibank is one of the Philippines' largest and most trusted home loan providers, offering competitive 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 home equity for renovations, BDO's home loan product covers a wide range of needs. Borrowers with a minimum monthly income of ₱50,000 may qualify, and approvals typically come through within 30 days. BDO accepts applications from private employees, government workers, BPO professionals, OFWs, seafarers, self-employed individuals, and licensed professionals — making it one of the most accessible home loan options in the market. For a full breakdown of what documents and qualifications you'll need, see our complete BDO housing loan requirements guide.
If you already have an existing home loan — whether with BDO or another bank — and you're paying a rate above 6.00%, refinancing could save you tens of thousands of pesos every year. Many Filipino homeowners are still carrying rates between 7% and 10% from loans taken out several years ago, often without realising how much they could save by switching. Through Nook, you can compare BDO's current refinancing rates alongside other leading Philippine banks, all in one place and completely free of charge. There are no broker fees, no hidden charges, and no obligation to proceed. To understand how BDO's rates have shifted and what current refinancing terms look like, visit our BDO home loan interest rate 2026 guide.
The sample computation above is based on a ₱3,000,000 loan with a 20-year remaining term. A borrower paying 8.50% p.a. would have a monthly amortisation of approximately ₱26,035. Refinancing to BDO's 6.00% rate through Nook brings that down to around ₱22,194 — a saving of over ₱3,800 per month, or more than ₱690,000 across the life of the loan. Your actual savings will depend on your outstanding balance, remaining term, and the rate your current bank is charging. Please note that interest rates are subject to change — verify the latest rates with BDO or through Nook before making any 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 rate of 6.00% p.a. for both new home purchases and refinancing, including home equity loans. Rates are subject to change, so it's worth checking the latest figures directly with BDO or through Nook, where you can compare BDO's rates against other partner banks in real time.
BDO accepts applications from a broad range of borrowers including private and government employees, BPO workers, OFWs, seafarers, self-employed individuals, and licensed professionals. The minimum qualifying monthly income is ₱50,000, and BDO applies a maximum debt-to-income ratio of 40%, meaning your total monthly loan obligations should not exceed 40% of your gross monthly income.
Yes — BDO offers refinancing for existing home loans, even if your current loan is held with a different bank. If your existing rate is higher than BDO's 6.00% p.a., refinancing could meaningfully reduce your monthly payments and total interest costs. Nook can help you assess whether refinancing to BDO makes sense for your situation, completely free of charge.
BDO typically processes and approves home loan applications within 30 days, provided all required documents are submitted correctly and completely. Incomplete applications or discrepancies in supporting documents are the most common causes of delays, so it pays to prepare your paperwork thoroughly before applying.
Yes, Nook's service is 100% free for borrowers. There are no broker fees, application fees, or hidden charges — Nook is compensated by the banks, not by you. You get access to BDO and other leading Philippine banks through a single application, with Nook's team guiding you through the process from start to finish.
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