BDO offers competitive housing loan rates starting at 6.00% p.a. — but through Nook, Filipino homeowners are already refinancing to rates as low as 5.99% p.a. and saving thousands every year.
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Why this matters
BDO Unibank is one of the Philippines' largest and most trusted home loan providers, offering fixed-rate periods of 1 year and beyond, along with home equity options for existing property owners. For 2026, BDO's housing loan rates start at 6.00% p.a. for a 1-year fixed period — a competitive entry point in the market. However, many existing BDO borrowers took out their loans when rates were significantly higher, between 7.50% and 10.00%, and are still paying those elevated rates today without realising they have options. If your current monthly amortisation feels heavier than it should, it may be time to take a closer look at what refinancing could do for your budget. You can also explore how BDO stacks up against other lenders in a detailed BDO vs PNB housing loan rate comparison to see where the best value lies.
Understanding the total cost of a housing loan — not just the headline rate — is critical. A fixed period gives you payment certainty for a set number of years, after which your loan typically reprices to the bank's prevailing rate. This means a loan that starts at 6.00% could reprice to 8.00%, 9.00%, or higher after the fixed period ends, significantly increasing your total interest paid over the life of the loan. Variable-rate options offer flexibility but come with exposure to rate movements. Working with a mortgage broker like Nook means you get a clear picture of the total cost across lenders — not just the teaser rate — before you commit. Nook's service is completely free to borrowers, with access to BDO and multiple other partner banks in one application.
Nook is a Bangko Sentral ng Pilipinas-supervised digital mortgage broker and an official partner of BDO. This means Filipino homeowners can apply for a BDO housing loan or refinance their existing loan through Nook with no broker fees, no hidden charges, and expert guidance at every step. Whether you are purchasing a ready-for-occupancy unit, refinancing a resale property, or tapping your home equity, BDO offers a range of loan purposes to fit your needs. For those comparing multiple banks before deciding, our guide on BDO vs Chinabank vs Robinsons Bank home loan rates provides a side-by-side breakdown that can help you make a more informed choice. Please note that all interest rates are subject to change — verify current rates directly with your lender 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's housing loan rate for 2026 starts at 6.00% p.a. for a 1-year fixed period, applicable to loan purposes including refinancing, home equity, new construction, pre-selling, RFO, renovation, and reselling. Rates are subject to change, so it is best to confirm the latest figures directly with BDO or through Nook, which provides free access to BDO's current rate card as an official partner bank.
A fixed-rate BDO housing loan locks your interest rate for a defined period — typically 1 year — giving you predictable monthly payments during that time. After the fixed period ends, the loan usually reprices to BDO's then-prevailing rate, which could be higher or lower depending on market conditions. A variable-rate option moves with benchmark rates throughout the loan term, offering potential savings when rates fall but higher exposure when they rise.
BDO requires a minimum monthly income of 50,000 pesos and accepts borrowers from a wide range of employment types, including private employees, government workers, BPO professionals, OFWs and seafarers, self-employed individuals, and licensed professionals. Your total monthly debt obligations — including the new housing loan payment — should not exceed 40% of your gross monthly income, which is BDO's maximum debt-to-income ratio.
BDO typically processes and approves housing loan applications within approximately 30 days from the submission of complete documentary requirements. Applying through Nook can help streamline this process, as Nook's mortgage specialists assist you in preparing your documents correctly the first time, reducing the risk of delays caused by incomplete submissions.
Yes — refinancing your existing home loan to BDO is one of the most common transactions processed through Nook, and the entire broker service is free for borrowers. Nook will assess your current loan, compare BDO's refinancing rate against other partner banks, and present you with the option that delivers the greatest monthly savings. If your current rate is above 7.00%, refinancing to BDO's 6.00% starting rate could meaningfully reduce your monthly amortisation and total interest paid over the remaining loan term.
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