BDO's 2026 housing loan promo offers a 1-year fixed rate starting at 6.00% p.a. — but through Nook, you can compare it against even lower rates from multiple banks and find the best deal for free.
YOUR POTENTIAL MONTHLY SAVINGS
No commitment. No credit check. Just your numbers.
Why this matters
BDO Unibank is one of the Philippines' most trusted home lenders, and their 2026 housing loan promo is worth taking seriously. With a 1-year fixed rate of 6.00% p.a., BDO is offering one of the most competitive entry-rate packages in the market right now — available for new purchases, refinancing, and home equity loans. Qualified borrowers with a minimum monthly income of ₱50,000 can apply, and approvals typically come through in around 30 days. Whether you're buying a ready-for-occupancy unit, refinancing an existing loan, or funding a renovation, BDO's promo covers a wide range of loan purposes. For full details on what BDO currently charges across different fixing periods, see our BDO home loan interest rate guide for 2026.
But here's the thing about promos: the advertised rate is only part of the story. Processing fees, repricing terms after the fixed period, and your actual approved rate all affect what you'll truly pay over the life of your loan. That's why smart borrowers don't just go straight to one bank — they compare. Nook lets you submit one application and receive offers from BDO and other partner banks side by side, so you can see exactly which deal saves you the most. Our service is completely free to you; we're compensated by the banks, never by the borrower.
If you're currently paying 7.50% or higher on an existing home loan, refinancing to BDO's promo rate — or potentially an even lower rate through Nook's panel — could save you tens of thousands of pesos every year. Before you apply directly, it takes less than 5 minutes to check your options through Nook. Make sure you also review the BDO housing loan requirements so you know what documents to prepare ahead of time. Note: interest rates are subject to change — always verify current rates with BDO or through Nook before proceeding.
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 promo offers a 1-year fixed rate of 6.00% p.a. for eligible borrowers. This applies to new home purchases, refinancing, and home equity loans. Rates are subject to change, so it's worth checking through Nook to confirm the latest offer before you apply.
BDO requires a minimum monthly income of ₱50,000 and accepts borrowers from a wide range of employment types — including private employees, government workers, BPO employees, OFWs, seafarers, self-employed individuals, and professionals. Your debt-to-income ratio must generally be within 40% of your gross monthly income.
BDO's 6.00% 1-year fixed rate is highly competitive, but other banks on Nook's panel may offer similar or lower rates depending on your loan amount, term, and profile. The best way to compare is to apply through Nook for free — we'll show you real offers from multiple banks so you can choose the one that saves you the most.
After the 1-year fixed period, your rate will reprice based on BDO's prevailing rates at that time, which may be higher. This is why many borrowers choose to refinance again at the end of the fixing period — or opt for a longer fixed-rate term upfront if they want more payment certainty.
Yes, Nook's mortgage brokering service is 100% free for borrowers. We help you prepare your application, compare BDO's promo against other bank offers, and guide you through approval — all at no cost to you. Nook earns a referral fee from the bank only after your loan is successfully released.
Check your exact savings in 60 seconds. It's free and takes no commitment.
Check My Savings Now →