BDO Unibank offers some of the most competitive housing loan rates in the Philippines — and when you apply through Nook, you get free broker assistance and access to a 6.00% p.a. fixed rate with no hidden fees.
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Why this matters
BDO Unibank is one of the Philippines' largest and most trusted banks, and its housing loan product is a top choice for Filipino homeowners and first-time buyers alike. Whether you're purchasing a ready-for-occupancy unit, refinancing an existing home loan, or tapping your home's equity for renovations or other needs, BDO offers flexible terms, broad eligibility, and a streamlined application process. As a Nook partner bank, BDO's current 1-year fixed rate starts at 6.00% p.a. — one of the sharpest rates available in the market today. If you're currently paying 8% or higher on your existing home loan, switching to a lower BDO rate through refinancing could save you hundreds of thousands of pesos over the life of your loan.
To qualify for a BDO housing loan, you'll generally need a minimum monthly income of 50,000 pesos and a debt-to-income ratio of no more than 40%. BDO accepts a wide range of employment types — including private and government employees, BPO workers, OFWs, seafarers, self-employed individuals, and licensed professionals. Typical loan approval takes around 30 days, and BDO supports a variety of loan purposes: refinancing, home equity, new construction, pre-selling, RFO, renovation, and resale properties. For a full breakdown of what documents you'll need to prepare, see our complete BDO housing loan requirements guide.
Applying through Nook means you don't have to navigate the process alone — and it costs you nothing. Nook's mortgage specialists help you compare BDO's rates against other leading Philippine banks, prepare your documents, and submit your application with the best possible chance of approval. Whether you're a first-time borrower or looking to refinance your current home loan, Nook is your free shortcut to a smarter mortgage. Interest rates are subject to change; we recommend verifying the latest rates 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's current 1-year fixed rate for housing loans is 6.00% p.a. as of 2026, available through Nook as a partner bank. This rate applies to both new purchases and refinancing, and is among the most competitive in the Philippine market. Rates are subject to change, so it's best to confirm the latest figures when you apply.
BDO accepts applications from a wide range of borrowers, including private and government employees, BPO workers, OFWs, seafarers, self-employed individuals, and licensed professionals. You'll need a minimum monthly income of 50,000 pesos and a total debt-to-income ratio of 40% or below. Both Filipino citizens and qualified foreign nationals may apply.
BDO's typical loan approval timeline is around 30 days from submission of complete documents. Working with Nook can help speed things up, since our mortgage specialists ensure your application is complete and well-prepared before it's submitted. Incomplete submissions are one of the most common causes of delays.
Yes — refinancing is one of BDO's supported loan purposes, and it's one of the best ways to reduce your monthly payments if you're currently on a higher rate. If your current home loan rate is above 7%, switching to BDO's 6.00% rate could mean thousands of pesos in monthly savings. Nook can help you calculate your exact savings and handle the entire refinancing process for free.
Nook's service is completely free for borrowers — you pay nothing for our assistance, regardless of which bank you end up with. Nook earns a referral fee from the bank upon successful loan disbursement, which means there's no conflict of interest and no cost to you. You get expert guidance, document preparation support, and access to multiple bank options at zero cost.
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