BDO home loan rates start at 6.00% p.a. — but through Nook, qualified borrowers can access rates as low as 5.99% p.a. See how much you could save by locking in a better rate today.
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Why this matters
BDO Unibank is one of the Philippines' largest and most trusted home loan providers, offering a range of fixed and variable rate options for both new purchases and refinancing. Their 1-year fixed rate currently sits at 6.00% p.a., making BDO one of the most competitive banks for homeowners looking to reduce their monthly repayments. Whether you took out your loan 3 years ago or 10, if your current rate is above 7%, there's a strong chance you're leaving real money on the table every single month. You can find a full breakdown of current rates in our BDO home loan interest rate guide for 2026.
When it comes to locking in a rate, timing matters. BDO's fixed rate periods typically run in 1-year, 2-year, and 3-year terms, after which your loan reprices — often to a higher variable rate. Many borrowers don't realise their rate has already repriced until they check their statement. If you're currently on a variable or repriced rate, now is the ideal time to explore refinancing. Nook compares BDO's rates alongside other leading Philippine banks so you can see all your options side by side, at no cost to you.
Applying through Nook is completely free for borrowers. BDO accepts applications from a wide range of employment types — including private employees, government workers, BPO staff, OFWs, and self-employed professionals — with a minimum monthly income requirement of 50,000 and a maximum debt-to-income ratio of 40%. Typical approval takes around 30 days. If you want to know what documents you'll need to get started, our complete guide to BDO housing loan requirements walks you through everything step by step. Note: interest rates are subject to change — always verify the latest rates directly with BDO or through Nook before submitting 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 1-year fixed home loan rate is 6.00% p.a. as of 2026. This applies to both new purchase loans and refinancing applications, subject to credit approval and BDO's standard eligibility criteria. Rates are subject to change, so it's worth confirming the latest figures through Nook or directly with BDO before you apply.
A fixed rate locks in your interest rate for a set period — typically 1, 2, or 3 years — giving you predictable monthly repayments during that time. After the fixed period ends, your loan reprices to BDO's prevailing rate, which may be higher or lower. If you're approaching the end of a fixed term, that's often the best window to refinance and lock in a new competitive rate.
Yes — Nook can help you refinance an existing BDO loan to a lower rate, either back with BDO or with another partner bank, depending on which option gives you the best outcome. The service is 100% free for borrowers, and Nook handles the comparison and application process on your behalf. Most clients see significant monthly savings when refinancing from rates of 7.5% or higher.
BDO accepts home loan applications from private employees, government workers, BPO staff, OFWs and seafarers, self-employed individuals, and licensed professionals. The minimum monthly income requirement is 50,000, and your total debt obligations should not exceed 40% of your gross monthly income. You must also be between 21 and 65 years old at the time of loan maturity.
BDO typically processes and approves home loan applications within approximately 30 days, provided all required documents are submitted correctly and in full. Incomplete submissions or additional verification requirements can extend this timeline. Applying through Nook helps ensure your documents are in order before submission, reducing the risk of delays.
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