BPI home loan rates start at 6.50% fixed for 5 years — and if you're currently paying 8% or more, Nook can show you exactly how much you're leaving on the table every single month.
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Why this matters
BPI Family Savings Bank is one of the Philippines' most trusted home loan providers, and their 2026 rate card is among the most competitive in the market. For a standard refinance, BPI Family offers a 1-year fixed rate of 6.70% p.a. and a 5-year fixed rate of 6.50% p.a. — giving borrowers the choice between short-term flexibility and longer-term payment stability. The 5-year fixed option is particularly popular for homeowners who want predictable monthly payments and protection against future rate increases. BPI Family also offers a Home Equity loan product at 6.70% p.a. for those looking to unlock the value in their existing property. For a full breakdown of how these options compare, see our complete BPI home loan interest rates refinancing guide.
To qualify for a BPI Family home loan, you'll need a minimum monthly income of ₱40,000 and a debt-to-income ratio within 40%. BPI Family accepts a wide range of employment types — including private employees, government workers, BPO professionals, OFWs, seafarers, self-employed individuals, and licensed professionals. Typical approval takes around 52 days, and BPI Family supports multiple loan purposes including refinancing, renovation, home equity, reselling, and new construction. If you want to make sure you have everything ready before applying, our complete BPI housing loan requirements guide walks you through every document you'll need.
Applying through Nook is 100% free. As the Philippines' first digital mortgage broker, Nook submits your profile to multiple partner banks — including BPI Family — so you can compare real offers side by side without paying a single peso in broker fees. If BPI Family offers you the best deal, great. If another bank beats their rate for your specific situation, you'll know that too. There's no obligation, no hidden charges, and no pressure — just a smarter way to find your best home loan rate. Please note that interest rates are subject to change; always verify the latest rates directly with BPI Family 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
BPI Family Savings Bank currently offers a 1-year fixed rate of 6.70% p.a. and a 5-year fixed rate of 6.50% p.a. for home loan refinancing. They also offer a Home Equity product at 6.70% p.a. Rates are subject to change, so it's best to apply through Nook to get a confirmed offer based on your specific loan profile.
The 5-year fixed rate at 6.50% is slightly lower than the 1-year fixed at 6.70%, and it gives you five years of payment certainty — which is valuable if you expect interest rates to rise. The 1-year fixed makes more sense if you plan to sell or refinance again in the near future, since you'll have more flexibility at repricing. Nook can help you model both scenarios against your loan balance and timeline.
BPI Family requires a minimum monthly income of ₱40,000, which is accessible for a wide range of borrowers including salaried employees, self-employed individuals, and OFWs. Your total debt obligations — including the new home loan payment — should not exceed 40% of your gross monthly income. If you're unsure whether you qualify, Nook can do a quick pre-assessment for free.
BPI Family's typical approval timeline is around 52 days from submission of complete documents. This includes credit evaluation, property appraisal, and loan documentation. Applying through Nook can help streamline the process since our team reviews your documents before submission to minimize back-and-forth with the bank.
No — Nook's service is completely free for borrowers. Nook is compensated by the bank if your loan is successfully processed, so you pay nothing extra and your loan terms are not affected. You get access to multiple bank offers, expert guidance, and a fully digital application experience at zero cost.
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