BPI home loan interest rates for 2026 start at 6.50% fixed for 5 years — but if you took out your loan a few years ago, you could be paying far more. Nook can help you refinance for free.
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Why this matters
BPI Family Savings Bank is one of the Philippines' most trusted home loan providers, and in 2026 they're offering some of their most competitive rates in years. Their 1-year fixed rate sits at 6.70% p.a. and their 5-year fixed rate at 6.50% p.a. — making them a strong option whether you're buying a new home or looking to refinance an existing loan. If you want to understand exactly how much your monthly payments would look like at these rates, the BPI housing loan calculator guide walks through sample computations in detail.
But here's the reality many Filipino homeowners face: if you signed your loan between 2018 and 2022, your current rate could be anywhere from 7.5% to 10% or higher — especially after repricing. Every year you stay on that old rate, you're leaving tens of thousands of pesos on the table. Refinancing to BPI's current 5-year fixed rate of 6.50% on a 3,000,000 loan could reduce your monthly payment by thousands of pesos and save you close to 700,000 over the remaining term. Nook's licensed mortgage specialists can run your exact numbers at no cost to you.
Nook is the Philippines' first digital mortgage broker, and BPI Family Savings Bank is one of our partner banks. That means we can submit your refinancing application directly, help you prepare your BPI housing loan requirements, and manage the process from comparison to approval — completely free. With a typical approval time of around 52 days and a minimum monthly income requirement of 40,000 pesos, BPI is accessible to a wide range of borrowers including private employees, government workers, OFWs, and self-employed professionals. Interest rates are subject to change; always verify the latest rates with BPI or through Nook before making 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
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. for home loans in 2026. These rates apply to refinancing, RFO purchases, pre-selling, and other eligible loan purposes. Rates are subject to change, so we recommend verifying the latest figures through Nook or directly with BPI before applying.
At the end of your fixed rate period, your BPI loan undergoes repricing — meaning your rate is adjusted based on prevailing market rates at that time. This repriced rate is often significantly higher than your original fixed rate, which is why many borrowers choose to refinance just before or after their repricing date. Nook can help you time your refinancing to maximise savings.
To qualify, you'll generally need a minimum monthly income of 40,000 pesos, a good credit history, and a debt-to-income ratio within BPI's 40% maximum threshold. BPI accepts applications from private employees, government workers, BPO employees, OFWs, seafarers, self-employed individuals, and professionals. A full breakdown of what to prepare is available in the BPI housing loan requirements 2026 guide.
BPI Family Savings Bank typically processes and approves home loan applications within approximately 52 days from submission of complete documents. This timeline covers credit evaluation, property appraisal, and loan offer issuance. Applying through Nook can help streamline your documentation and reduce back-and-forth delays.
Yes — Nook's mortgage brokering service is completely free for borrowers. Nook is compensated by the partner bank when a loan is successfully processed, so you pay nothing for the comparison, application support, or processing assistance. There are no hidden fees charged by Nook at any stage of the process.
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