BDO is one of the Philippines' most trusted home loan providers — and through Nook, you can apply for a BDO housing loan at 6.00% p.a. with free broker assistance, faster processing, and zero fees on your end.
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Why this matters
BDO Unibank is one of the largest banks in the Philippines and a popular choice for housing loans — offering competitive fixed rates, flexible loan purposes, and a nationwide branch network that makes the process accessible for most Filipino borrowers. Whether you're purchasing a ready-for-occupancy unit, refinancing an existing loan, or tapping your home equity for renovations, BDO's housing loan product covers a wide range of needs. As a Nook partner bank, BDO offers a 1-year fixed rate of 6.00% p.a., which is significantly lower than the 7–10% many homeowners are currently paying on older loans. You can learn more about how these rates compare over time in our BDO home loan interest rate guide for 2026.
To qualify for a BDO housing loan, you'll generally need a minimum monthly income of ₱50,000 and a debt-to-income ratio of no more than 40%. BDO accepts a wide range of employment types — including private employees, government workers, BPO professionals, OFWs and seafarers, self-employed individuals, and licensed professionals — making it one of the more inclusive lenders in the market. Typical approval takes around 30 days when your documents are complete and in order. For a full breakdown of what you'll need to prepare, see our complete BDO housing loan requirements guide.
When you apply through Nook, you get more than just access to BDO's rates — you get a dedicated mortgage broker who prepares your documents, coordinates with the bank on your behalf, and makes sure your application is positioned for the best possible outcome. Nook's service is completely free to borrowers; we're compensated by the bank, not you. Whether you're a first-time homebuyer or an existing borrower looking to refinance at a lower rate, Nook simplifies the entire process from pre-qualification to approval. Please note that interest rates are subject to change — always verify current 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
Through Nook, BDO currently offers a 1-year fixed rate of 6.00% p.a. on housing loans and home equity products. Rates are subject to change, so it's best to check with Nook or BDO directly for the most up-to-date figures before you apply.
You'll need a minimum monthly income of ₱50,000, a total debt-to-income ratio of 40% or below, and valid proof of income depending on your employment type. BDO accepts private employees, government workers, BPO staff, OFWs, seafarers, self-employed individuals, and licensed professionals — making it accessible to a broad range of Filipino borrowers.
BDO typically processes housing loan applications within approximately 30 days, provided all required documents are complete and accurate. Applying through Nook can help streamline this process, as our team reviews your documents before submission to minimise the risk of delays or back-and-forth with the bank.
BDO's housing loan covers a wide range of property types and purposes, including ready-for-occupancy (RFO) units, pre-selling properties, resale homes, new construction, foreclosed properties, and home renovation or equity loans. This flexibility makes BDO a strong option whether you're buying your first home or unlocking the value of an existing property.
Yes — Nook's service is 100% free to borrowers. We act as your mortgage broker, helping you prepare documents, compare options, and apply to BDO on your behalf, without charging you any broker or processing fees. Nook is compensated directly by the bank, so there's no cost to you at any stage of the process.
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