BDO is one of the Philippines' most trusted home loan providers — and through Nook, you can apply for free and access BDO's competitive 2026 rates starting at 6.00% p.a.
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Why this matters
BDO Unibank is one of the Philippines' largest and most established home loan providers, offering a range of housing loan products for purchase, construction, renovation, and refinancing. In 2026, BDO's housing loan rates start at 6.00% p.a. for a 1-year fixed term — making it one of the more competitive options available to Filipino borrowers. Eligible borrowers include salaried employees in private companies, government workers, BPO professionals, OFWs, seafarers, and self-employed individuals, with a minimum monthly income requirement of 50,000 pesos. Typical loan approvals take around 30 days, and BDO accepts loan purposes ranging from ready-for-occupancy and pre-selling properties to refinancing and home equity. For a full breakdown of what 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 bank — refinancing could significantly reduce your monthly obligations. Many Filipino homeowners are currently paying rates between 7% and 10%, often because their fixed-rate period has expired and their loan has rolled onto a higher repricing rate. By refinancing to BDO's current 6.00% p.a. rate through Nook, a borrower with a 3,000,000-peso outstanding balance could save over 4,000 pesos every single month. That's money that can go toward your family, your savings, or paying down your loan faster. To understand how BDO's rates compare over time and what to expect at repricing, read our BDO home loan interest rate guide for 2026.
Applying through Nook is completely free for borrowers. Nook acts as your digital mortgage broker — comparing BDO's offer alongside other top Philippine banks, helping you prepare your documents, and guiding you through every step of the application. There are no broker fees, no hidden charges, and no obligation. Whether you're buying your first home, refinancing an existing loan, or unlocking equity from your property, Nook gives you the tools and support to make the best financial decision with confidence. Interest rates are subject to change; always verify current rates directly with BDO or through Nook before finalising 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 housing loan rate for 2026 starts at 6.00% p.a. for a 1-year fixed term. This rate applies to both new purchase loans and refinancing, subject to BDO's credit assessment and prevailing market conditions. Rates are subject to change, so we recommend verifying the latest figures through Nook or directly with BDO before applying.
BDO accepts applications from a wide range of borrowers, including salaried employees in private companies, government workers, BPO staff, OFWs, seafarers, self-employed individuals, and licensed professionals. The minimum monthly income requirement is 50,000 pesos, and your total debt obligations generally should not exceed 40% of your gross monthly income. Both Filipino citizens and qualified foreign nationals may be eligible depending on the loan purpose.
Yes — BDO accepts refinancing applications from borrowers with existing home loans at other banks, and this is one of the most common reasons Filipinos apply through Nook. If your current rate is above 7% or your fixed period has recently expired, refinancing to BDO's 6.00% p.a. rate could save you tens of thousands of pesos per year. Nook can help you compare BDO's refinancing offer with other banks at no cost to you.
BDO typically processes and approves housing loan applications within 30 days from submission of complete documents. The timeline can vary depending on the complexity of your application and how quickly supporting documents are verified. Applying through Nook helps streamline this process, as our team ensures your documents are complete and properly prepared before submission.
Yes, Nook's service is 100% free for borrowers — there are no broker fees, application charges, or hidden costs on your end. Nook earns a referral fee from the bank upon successful loan disbursement, which means you get expert mortgage guidance and bank comparison at zero cost. You'll receive the same BDO rates and terms whether you apply directly or through Nook, but with Nook you benefit from professional support throughout the process.
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