BDO housing loan rates start at 6.00% p.a. — but Nook can help you access 5.99% p.a. through our free broker service and potentially save thousands every month.
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Why this matters
BDO Unibank is one of the Philippines' most trusted home loan providers, offering competitive fixed-rate periods that give borrowers predictability on their monthly payments. For 2026, BDO's 1-year fixed rate sits at 6.00% p.a., making it one of the more accessible options for refinancing or purchasing a new home. Whether you're buying a ready-for-occupancy unit, refinancing an existing loan, or tapping home equity for renovations, BDO offers flexible loan purposes to match your situation. To understand the full picture of what BDO requires before you apply, see our complete guide to BDO housing loan requirements.
Most Filipino homeowners who took out home loans two to five years ago are locked into rates between 7% and 10% — well above what's available today. Refinancing through Nook means your application goes to multiple partner banks simultaneously, including BDO, so lenders compete for your loan. BDO accepts borrowers across a wide range of employment types: private and government employees, BPO workers, OFWs, seafarers, self-employed professionals, and more — with a minimum monthly income requirement of just 50,000 pesos and typical approval in around 30 days. For a deeper look at how BDO's rates compare across different fixing periods, our BDO home loan interest rate guide breaks it all down.
Using Nook to refinance your BDO housing loan — or to switch to BDO from another lender — costs you absolutely nothing. Nook's service is 100% free to borrowers; we're compensated by the bank when your loan is approved. Our mortgage specialists handle the paperwork, negotiate on your behalf, and make sure you're matched to the best available rate for your profile. Please note that interest rates are subject to change without prior notice — always verify the latest rates directly with BDO or through your Nook advisor 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 1-year fixed housing loan rate is 6.00% p.a. for 2026, which applies to both new purchases and refinancing. Home equity loans are also available at 6.00% p.a. Interest rates are subject to change, so it's always best to confirm the latest rates with BDO directly or through a Nook advisor before you apply.
Yes — refinancing is one of BDO's supported loan purposes, and Nook is an accredited partner that submits applications directly to BDO on your behalf. If your current rate is above 6.00%, refinancing with BDO could meaningfully reduce your monthly payment. Nook's service is completely free to borrowers, so there's no cost to check what rate you qualify for.
BDO accepts applications from private and government employees, BPO workers, OFWs, seafarers, self-employed individuals, and licensed professionals. The minimum monthly income requirement is 50,000 pesos, and your total debt-to-income ratio must not exceed 40%. For a full breakdown of documentary requirements, see our BDO housing loan requirements guide.
BDO's typical loan approval timeline is around 30 days from submission of complete documents. Working with Nook can help speed up this process because our specialists pre-check your documents before submission, reducing the chance of back-and-forth with the bank. A complete, error-free application is the single biggest factor in faster approval.
It depends on the size of your outstanding balance and how much your rate would drop. On a loan with a large remaining balance — say 2,000,000 pesos or more — even a 1.5 to 2 percentage point rate reduction can generate significant savings over the remaining term. A Nook advisor can run a free personalised calculation so you can see the exact numbers before committing to anything.
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