BPI is offering discounted fixed rates starting at 6.50% p.a. for qualified borrowers in 2026 — and applying through Nook is completely free, with no broker fees ever.
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Why this matters
BPI's 2026 home loan promos are among the most competitive in the Philippine market right now. Whether you're buying a new property or looking to refinance an existing loan, BPI is offering a 5-Year Fixed Rate of 6.50% p.a. and a 1-Year Fixed Rate of 6.70% p.a. — well below what most Filipino homeowners are currently paying on loans taken out in previous years. If your current rate is anywhere between 7% and 10%, now is a strong time to review your options. You can check out the full breakdown of BPI's 2026 interest rates and repricing schedule to understand how these promos work and when they apply.
Qualifying for BPI's promo rates is more accessible than many borrowers expect. BPI accepts applications from salaried employees in the private sector, government workers, BPO professionals, OFWs, seafarers, self-employed individuals, and licensed professionals. The minimum monthly income requirement is 40,000 pesos, and BPI typically processes approvals within 52 days. Loan purposes covered under these promo rates include refinancing, ready-for-occupancy purchases, pre-selling units, reselling, renovation, home equity, and new construction. If you want to check what documents you'll need to prepare, the complete 2026 BPI housing loan checklist covers everything for both salaried and self-employed applicants.
Nook is an accredited partner of BPI, which means when you apply through Nook, you get access to the same promo rates — with the added benefit of having a dedicated mortgage broker guide you through the process at zero cost. Nook compares BPI's offer against other leading Philippine banks so you can be confident you're getting the best deal available to you. Interest rates are subject to change — always verify the latest rates directly with BPI or through Nook before submitting your application.
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's most competitive promo rate for 2026 is 6.50% p.a. on a 5-Year Fixed term, available through Nook as an accredited partner. A 1-Year Fixed option is also available at 6.70% p.a. for borrowers who prefer shorter lock-in periods. These rates apply to eligible borrowers across a range of loan purposes including refinancing and property purchases.
BPI accepts applications from a wide range of employment types — including private and government employees, BPO workers, OFWs, seafarers, self-employed individuals, and licensed professionals. The minimum qualifying monthly income is 40,000 pesos, and your total debt-to-income ratio must not exceed 40%. As long as you meet these thresholds, you may be eligible for BPI's discounted promo rates.
BPI's typical approval timeline is around 52 days from submission of a complete application. Having all your documents ready upfront — including income documents, property papers, and valid IDs — can help avoid delays. Applying through Nook means you'll have a broker checking your file before submission to catch any gaps early.
Yes, refinancing is one of the loan purposes explicitly covered under BPI's 2026 promo rates. If you're currently paying a rate of 7% or higher with another bank, refinancing to BPI's 6.50% fixed rate could reduce your monthly payment significantly. Nook can run the numbers for your specific loan to show you exactly how much you'd save before you commit to anything.
No — Nook's service is completely free for borrowers. Nook is compensated by the bank upon successful loan disbursement, so you pay nothing for the broker service. You get access to BPI's full promo rates, plus guidance from a dedicated mortgage specialist, at zero additional cost.
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