BDO is one of the Philippines' most trusted home loan providers — and through Nook, you can apply for a BDO housing loan at 6.00% p.a. or compare it against every major bank to make sure you're getting the best deal. Nook's service is 100% free.
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Why this matters
BDO Unibank is one of the largest and most accessible home loan providers in the Philippines, offering competitive fixed rates, flexible loan purposes, and a streamlined application process. As a Nook partner bank, BDO currently offers a 1-year fixed rate starting at 6.00% p.a. — well below the 8% to 10% that many Filipino homeowners are still paying on older loans. Whether you're buying a new property, refinancing an existing loan, funding a renovation, or unlocking equity in your home, BDO has a loan purpose to match. For a full breakdown of current rates, visit our BDO home loan interest rate guide for 2026.
Eligibility for a BDO housing loan is straightforward for most working Filipinos. You'll need a minimum monthly income of P50,000, and BDO accepts a wide range of employment types including private employees, government workers, BPO professionals, OFWs and seafarers, self-employed individuals, and licensed professionals. BDO targets a maximum debt-to-income ratio (DTI) of 40%, meaning your total monthly loan obligations — including the new housing loan — should not exceed 40% of your gross monthly income. Typical approval takes around 30 days from complete document submission. If you want to know exactly what documents to prepare, our complete BDO housing loan requirements guide walks you through every step.
One of the smartest ways to use Nook is to apply for a BDO housing loan while simultaneously comparing rates from other major Philippine banks — all in a single application, at zero cost to you. Nook's mortgage specialists handle the paperwork, negotiate on your behalf, and present you with the best available offer. If BDO is the winner, great. If another bank beats them, you'll know before you sign anything. Interest rates are subject to change, so it's always worth verifying current figures directly with the bank or through Nook before making a final 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 currently offers a 1-year fixed rate starting at 6.00% p.a. for both standard housing loans and home equity loans through Nook. Rates are subject to change, so we recommend verifying the latest figures through Nook or directly with BDO before submitting your application.
BDO accepts applicants from a wide range of employment backgrounds including private employees, government workers, BPO staff, OFWs, seafarers, self-employed individuals, and licensed professionals. The minimum gross monthly income requirement is P50,000, and your total monthly debt obligations should not exceed 40% of your income.
BDO typically processes and approves housing loan applications within 30 days from the date complete documents are submitted. Applying through Nook can help speed this up since our mortgage specialists review your documents before submission to reduce back-and-forth with the bank.
Yes — refinancing is one of the supported loan purposes under BDO's housing loan program. If you're currently paying a rate above 6.00% p.a., refinancing with BDO through Nook could significantly reduce your monthly payments and total interest costs over the remaining term of your loan.
No — Nook's service is completely free for borrowers. Nook is compensated by the bank, not by you, so you get access to a licensed mortgage broker and rate comparison across all major Philippine banks at zero cost. You only pay the standard bank fees that apply to any direct applicant.
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