BDO housing loan rates start at 6.00% p.a. for a 1-year fixed period — but Nook can help you access rates as low as 5.99% p.a. and find the best deal across multiple banks, completely free.
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Why this matters
BDO Unibank is one of the Philippines' largest and most trusted home loan providers, offering fixed-rate periods ranging from 1 to 20 years. Their current 1-year fixed rate stands at 6.00% p.a., making them a genuinely competitive option for both new borrowers and homeowners looking to refinance. BDO accepts a wide range of borrower profiles — including private employees, government workers, BPO staff, OFWs, seafarers, self-employed individuals, and professionals — with a minimum monthly income requirement of ₱50,000 and a maximum debt-to-income (DTI) ratio of 40%. Typical loan approval takes around 30 days. For a full breakdown of what documents you'll need, see our complete BDO housing loan application guide.
If you already have an existing home loan — whether with BDO or another bank — and your fixed-rate period is ending soon, now is an excellent time to review your options. Many Filipino homeowners are still locked into rates of 8% to 10% or higher from loans taken out several years ago. Refinancing to BDO's current 6.00% rate (or even lower through Nook's panel of partner banks) could save you tens of thousands of pesos every year. On a ₱3,000,000 loan with 20 years remaining, switching from 8.50% to 5.99% reduces your monthly payment by over ₱3,000 — that's real money back in your pocket each month. For a deeper look at how BDO's rates compare across different fixed periods, visit our BDO home loan interest rate guide for 2026.
Nook is the Philippines' first digital mortgage broker, and our service is 100% free to borrowers. We don't charge application fees, broker fees, or hidden costs — we're paid by the banks, not by you. When you apply through Nook, we compare BDO's offer against our full panel of partner banks to make sure you get the lowest rate you qualify for. Whether you're buying a new property, refinancing an existing loan, or tapping your home equity, Nook handles the paperwork and negotiation on your behalf. Interest rates are subject to change — always verify current rates directly with BDO or through Nook before making a financial 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 housing loan rate for a 1-year fixed period is 6.00% p.a. as of 2026. Rates for longer fixed periods (3, 5, 10, 20 years) are generally higher, and BDO also offers a Home Equity product at 6.00% p.a. Always confirm the latest rates directly with BDO or through Nook, as rates are subject to change without prior notice.
Yes — refinancing to BDO is one of the most common requests Nook handles. If your current loan is with another bank (or even with BDO itself at a higher rate), Nook will assess your eligibility and submit your application to BDO and other partner banks simultaneously. Our service is completely free to you, and we'll recommend whichever bank offers you the best rate and terms.
BDO requires a minimum monthly income of ₱50,000 for housing loan applicants. They accept a wide range of employment types, including private employees, government workers, BPO professionals, OFWs, seafarers, self-employed individuals, and licensed professionals. Your total monthly debt obligations (including the new mortgage) should not exceed 40% of your gross monthly income.
BDO's typical loan approval timeline is around 30 days from the date of complete document submission. Incomplete applications or properties with title issues can extend this timeline. Applying through Nook can help speed things up — our team reviews your documents before submission to minimise back-and-forth with the bank.
BDO's housing loan covers a broad range of purposes including purchase of ready-for-occupancy (RFO) and pre-selling properties, reselling, new construction, foreclosed property acquisition, home renovation, home equity (cash-out refinancing), and refinancing of existing loans from other banks. If you're unsure which loan purpose applies to your situation, Nook can help you identify the right product and structure your application correctly.
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