BDO offers competitive home loan rates starting at 6.00% p.a. — and through Nook, you can apply for free and compare BDO against every major bank to make sure you're getting the best deal possible.
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 flexible financing for purchases, construction, renovation, and refinancing. With a 1-year fixed rate of 6.00% p.a. and a Home Equity rate of 6.00% p.a., BDO is consistently among the most competitive options for Filipino homeowners and buyers. Eligible borrowers include salaried employees in the private sector, government workers, BPO professionals, OFWs, seafarers, and self-employed individuals — with a minimum monthly income requirement of P50,000 and a maximum debt-to-income ratio of 40%. Typical approval takes around 30 days, making BDO a reliable choice for those who need certainty and speed. For a full breakdown of what documents and qualifications you'll need, see our complete guide to BDO housing loan requirements.
If you already have a home loan with another bank — or even with BDO itself — refinancing could be one of the smartest financial moves you make in 2026. Many Filipino homeowners are still paying rates of 8% to 10% or higher on loans taken out several years ago, simply because they haven't revisited their options. Refinancing to a rate like BDO's 6.00% on a P3,000,000 loan balance could save you tens of thousands of pesos every year. Nook makes this process completely free for borrowers: we handle the comparison, paperwork coordination, and bank communication on your behalf, so you get expert guidance without paying a single peso in broker fees. To understand how BDO's current rates compare to historical trends and other banks, explore our BDO home loan interest rate guide for 2026.
Applying through Nook also means you're not limited to BDO alone. We work with BDO alongside other leading Philippine banks including BPI, Metrobank, Security Bank, RCBC, and more — so we can objectively show you which lender offers the best combination of rate, term, and approval speed for your specific situation. Whether you're buying your first home, refinancing an existing loan, or unlocking equity from a property you already own, Nook's digital-first process lets you get started in minutes. Note that all interest rates are subject to change — always verify the latest rates with your 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's current 1-year fixed home loan rate is 6.00% p.a., and their Home Equity rate is also 6.00% p.a. These rates are among the most competitive available from a major Philippine bank. Rates are subject to change, so we recommend applying through Nook to get a confirmed quote based on your profile.
BDO accepts applications from a wide range of borrowers, including private and government employees, BPO workers, OFWs, seafarers, self-employed individuals, and licensed professionals. You'll need a minimum monthly income of P50,000 and a debt-to-income ratio of no more than 40%. For a detailed checklist of documents and eligibility criteria, visit our BDO housing loan requirements guide.
BDO's typical loan approval timeline is around 30 days from the time you submit a complete set of documents. Nook helps you prepare your application correctly the first time, which can reduce back-and-forth delays and keep your approval on track. Our team coordinates directly with BDO on your behalf at no cost to you.
Yes — refinancing is one of BDO's supported loan purposes, and Nook specialises in helping homeowners refinance from higher-rate loans to more competitive ones. If you're currently paying 8% or more, switching to BDO's 6.00% rate could save you thousands of pesos every month. Nook will compare BDO against all other partner banks to make sure refinancing to BDO is genuinely the best move for your situation.
No — Nook's service is completely free for borrowers. We earn a referral fee from the bank when your loan is successfully processed, so you get expert mortgage brokering, bank comparison, and application support without paying anything out of pocket. You can start your application online in just a few minutes.
Check your exact savings in 60 seconds. It's free and takes no commitment.
Check My Savings Now →