BDO is offering 1-year fixed rates from 6.00% p.a. in 2026 — and through Nook, you can apply for free and compare it against other lenders to make sure you're getting the best deal possible.
YOUR 2026 PROMO SAVINGS
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Why this matters
The BDO Housing Loan Promo for 2026 is one of the most talked-about offers in the Philippine mortgage market this year. BDO Unibank — one of the country's largest banks and a Nook partner bank — is offering a 1-year fixed rate of 6.00% p.a. for home purchases, refinancing, and home equity loans. For homeowners currently paying 8% to 10% on an existing loan, switching to this promo rate could mean saving tens of thousands of pesos every year. To understand exactly how BDO's current rates compare to the broader market, check out our BDO Home Loan Interest Rate 2026 guide for a full breakdown.
What makes this promo particularly compelling is the combination of a competitive rate, a fast 30-day typical approval timeline, and a minimum monthly income requirement of just 50,000 pesos — making it accessible to a wide range of Filipino borrowers including private employees, government workers, BPO employees, OFWs, seafarers, self-employed professionals, and entrepreneurs. BDO accepts loan purposes ranging from refinancing and renovation to pre-selling, RFO, and new construction. Before you apply, it's worth reviewing the complete BDO housing loan requirements guide so you arrive prepared with the right documents.
The smartest way to take advantage of the BDO Housing Loan Promo 2026 is through Nook — the Philippines' first digital mortgage broker. Nook's service is 100% free to borrowers. We handle the paperwork, negotiate on your behalf, and ensure you're not just getting BDO's promo rate, but the best possible rate available across all our partner banks. Whether you're buying your first home or refinancing an existing loan, Nook makes the process faster, simpler, and completely cost-free for you. Note: interest rates are subject to change — always verify the latest figures directly with BDO or through Nook before making any financial decisions.
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 is offering a 1-year fixed rate of 6.00% p.a. for housing loans in 2026, applicable to both new home purchases and refinancing. This rate is among the most competitive available from a major Philippine bank this year. Rates are subject to change, so it's best to confirm the current offer through Nook or directly with BDO.
BDO's promo is open to a broad range of borrowers including private employees, government workers, BPO employees, 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%. Applying through Nook is free and helps you determine your eligibility quickly.
Yes — refinancing is one of the accepted loan purposes under BDO's housing loan program, and the 6.00% p.a. promo rate applies. If you're currently paying 8% or more on your existing loan, refinancing to BDO's promo rate could save you thousands of pesos every month. Nook can calculate your exact savings and manage the entire refinancing process at no cost to you.
BDO's typical approval timeline is around 30 days from the submission of complete documents. Having all your requirements ready upfront is the best way to avoid delays. Nook guides you through the document checklist and submits everything correctly the first time, helping you hit that 30-day target.
Yes, Nook's mortgage brokering service is completely free for borrowers — there are no broker fees, no hidden charges, and no obligation to proceed. Nook earns a referral fee from the bank only when your loan is successfully approved and disbursed. You get expert guidance, document support, and access to multiple lender options without paying a single peso extra.
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