BDO offers competitive housing loan rates — but Nook borrowers access rates from 5.99% p.a., potentially saving hundreds of thousands over their loan term. Check your savings in minutes, for free.
SAMPLE BDO LOAN SAVINGS
No commitment. No credit check. Just your numbers.
Why this matters
BDO Unibank is one of the Philippines' largest and most trusted home loan providers, offering housing loans for purchase, construction, renovation, and refinancing. Their 1-year fixed rate starts at 6.00% p.a., which is competitive — but many existing BDO borrowers locked in rates of 7% to 10% or higher during previous repricing periods and haven't reviewed their loan since. If that sounds familiar, you could be overpaying by thousands of pesos every month. You can learn more about BDO housing loan requirements to understand what's needed for a refinance application.
Nook is the Philippines' first digital mortgage broker, and we work directly with BDO as a partner bank — meaning we can help you apply for a BDO home loan or refinance your existing loan through Nook at no cost to you. Our brokers compare BDO's rates against other leading banks to make sure you're getting the most competitive deal available. Whether your current loan is with BDO or another bank, refinancing through Nook takes the guesswork out of the process. For a deeper look at how BDO's rates compare year-on-year, see our BDO home loan interest rate 2026 guide.
The sample calculation above shows how a borrower with a 3,000,000 loan at 8.00% p.a. could reduce their monthly payment by refinancing to 5.99% p.a. — saving over 382,000 pesos across a 20-year remaining term. Results will vary based on your loan balance, remaining term, and the rate you qualify for. Interest rates are subject to change; always verify current rates with your bank or broker before making any decisions. Nook's service is 100% free for borrowers — we're paid by the bank, not by you.
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 home loan rate starts at 6.00% p.a. as of 2026. Rates vary depending on the loan amount, term, and your financial profile, so it's worth comparing this against other banks before committing. Note that interest rates are subject to change — check with BDO or apply through Nook to get the most current rate available to you.
Yes — if your home loan is already with BDO, Nook can help you explore whether refinancing to a lower rate (with BDO or another partner bank) makes financial sense for you. We compare multiple lenders simultaneously so you don't have to do it yourself. The entire service is free for borrowers, and you're under no obligation to proceed.
BDO requires a minimum monthly income of 50,000 pesos for housing loan applicants. They accept a wide range of employment types including private employees, government workers, BPO employees, OFWs, seafarers, self-employed individuals, and licensed professionals. For a full breakdown of documentary requirements, see our complete BDO housing loan requirements guide.
BDO's typical loan approval timeline is around 30 days from submission of complete documents. Delays are most commonly caused by incomplete paperwork, so having all your requirements ready before applying can help move things along. Applying through Nook means you'll have a dedicated mortgage broker helping you prepare and submit everything correctly the first time.
Yes, completely free for borrowers. Nook earns a referral fee from the bank when your loan is successfully processed — so you get expert guidance, rate comparisons, and application support at zero cost to you. There are no hidden charges and no obligation to proceed if you're not happy with the rates you're offered.
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