BPI is offering home loan rates starting at 6.50% fixed for 5 years — and through Nook, you can apply for free and see if you qualify in minutes.
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Why this matters
BPI is one of the Philippines' most trusted home loan providers, and for 2026, their rates remain among the most competitive in the market. Through Nook, borrowers can access BPI Family Savings Bank's current fixed rates — 6.70% for a 1-year fixed term and 6.50% for a 5-year fixed term — with a minimum monthly income requirement of just ₱40,000. Whether you're buying a ready-for-occupancy unit, refinancing an existing loan, or tapping your home equity, BPI offers a wide range of loan purposes to suit your needs. Typical approval takes around 52 days, and Nook's team guides you through every step at zero cost to you.
If you're already paying a BPI home loan at a rate above 7%, it may be worth exploring whether refinancing could lower your monthly obligations. Many homeowners locked in rates of 8% to 10% several years ago and haven't revisited their options since. With BPI's 5-year fixed rate at 6.50%, the difference can translate to thousands of pesos in monthly savings — money that stays in your pocket rather than going to interest. You can explore how BPI stacks up against other lenders in our BPI vs Security Bank vs Metrobank 2026 comparison to make a more informed decision.
Nook works as a free digital mortgage broker, meaning we do the comparison shopping for you across multiple partner banks — including BPI. We submit your application to the lender most likely to approve you at the best available rate. There's no fee, no obligation, and no pressure. If you're considering switching lenders entirely, we've also broken down how BPI compares in a BPI vs RCBC home loan takeout rates analysis so you can see the full picture. Interest rates are subject to change — always verify the latest rates directly with the bank or through Nook before making a 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
Through Nook, BPI Family Savings Bank is currently offering a 1-year fixed rate of 6.70% p.a. and a 5-year fixed rate of 6.50% p.a. These rates apply to refinancing, home equity loans, and purchase loans for ready-for-occupancy and pre-selling properties. Rates are subject to change, so it's best to check with Nook or BPI directly for the most current figures.
BPI requires a minimum monthly income of ₱40,000 and a debt-to-income ratio of no more than 40%, meaning your total monthly debt payments — including the new home loan — should not exceed 40% of your gross monthly income. BPI accepts applicants across a wide range of employment types including private employees, government workers, BPO employees, OFWs, seafarers, self-employed individuals, and licensed professionals.
The typical approval timeline for a BPI home loan is around 52 days from the time a complete application is submitted. Nook helps streamline this process by ensuring your documents are properly prepared before submission, reducing back-and-forth with the bank. Our team monitors your application and keeps you updated every step of the way.
Yes — refinancing, also called a home loan takeout, is one of BPI's supported loan purposes, and Nook specializes in helping homeowners switch to a lower rate. If you're currently paying 8% or more on your existing loan, refinancing to BPI's 6.50% five-year fixed rate could meaningfully reduce your monthly payment. Nook's service is 100% free to borrowers, and we handle the entire application process on your behalf.
BPI is one of the most competitive options, but the best bank for you depends on your income, property type, loan amount, and how long you want your rate fixed. Nook compares BPI against multiple partner banks to find the option that fits your specific profile — not just the lowest advertised rate. Getting a free assessment through Nook is the easiest way to know which bank will give you the best deal.
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