BDO offers competitive housing loan rates starting at 6.00% p.a. — and through Nook, you can apply or refinance for free with no broker fees.
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Why this matters
BDO Unibank is one of the Philippines' largest and most trusted home loan providers, offering housing loans for a wide range of purposes — from ready-for-occupancy (RFO) units and pre-selling condos to refinancing, renovation, and home equity. BDO's 1-year fixed rate currently starts at 6.00% p.a., making it one of the more competitive options available to Filipino borrowers today. To qualify, you'll need a minimum monthly income of ₱50,000, and BDO accepts a broad range of employment types including private employees, government workers, BPO professionals, OFWs, seafarers, the self-employed, and licensed professionals. Typical loan approval takes around 30 days, and BDO allows a maximum debt-to-income ratio of 40%. For a full breakdown of what documents and eligibility criteria you'll need to prepare, see our complete guide to BDO housing loan requirements.
If you already have an existing home loan — whether with BDO or another Philippine bank — and your current interest rate is above 7%, there's a strong chance you're overpaying every single month. Many Filipino homeowners are still locked into rates of 8%, 9%, or even higher from loan packages signed several years ago. Refinancing your home loan to BDO's current 6.00% rate could save you thousands of pesos monthly. The sample calculation above shows what a borrower with a ₱3,000,000 outstanding balance at 8.50% could save by switching to a 6.00% rate — over ₱4,000 per month and more than ₱720,000 over the remaining loan term. For more detail on how BDO's rates compare over time and what current refinancing options look like, read our BDO home loan interest rate guide for 2026.
Applying through Nook is completely free for borrowers. Nook is the Philippines' first digital mortgage broker, and we do the heavy lifting for you — comparing offers across multiple partner banks, preparing your documents, and guiding you through every step of the application process. Whether you're buying your first home or refinancing an existing loan, Nook helps you get the best available rate without any broker fees or hidden charges. Note that interest rates are subject to change; always verify the latest figures 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's current 1-year fixed housing loan rate starts at 6.00% p.a. as of 2026. This applies to both new home purchases and refinancing of existing loans. Rates are subject to change, so we recommend verifying the latest rate directly through Nook or BDO before submitting your application.
To qualify for a BDO housing loan, you'll need a minimum monthly income of ₱50,000 and a total debt-to-income ratio of no more than 40%. BDO accepts applicants from a wide range of employment backgrounds, including private-sector employees, government workers, BPO professionals, OFWs, seafarers, self-employed individuals, and licensed professionals. For a detailed checklist of documentary requirements, visit our BDO housing loan requirements guide.
BDO typically processes and approves housing loan applications within 30 days, provided all required documents are submitted completely and accurately. Working with a mortgage broker like Nook can help streamline this process by ensuring your documents are properly prepared before submission. Delays are most commonly caused by incomplete paperwork or title issues with the property.
Yes, BDO accepts refinancing applications from borrowers with existing home loans from other Philippine banks. If your current rate is above 7% or 8%, refinancing to BDO's 6.00% rate could significantly reduce your monthly payments and total interest paid. Nook can help you assess whether refinancing makes financial sense for your specific situation, completely free of charge.
Yes, Nook's mortgage brokering service is 100% free for borrowers. Nook earns a referral fee from the bank upon successful loan disbursement, so there is no cost to you at any stage — no application fee, no processing fee, and no broker commission. You get expert guidance and access to multiple bank offers without paying a single peso extra.
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