BPI is offering special fixed home loan rates in 2026 — including a 5-year fixed rate of just 6.50% p.a. Nook helps you apply for free and secure the best deal before the promo window closes.
YOUR POTENTIAL SAVINGS WITH BPI VIA NOOK
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Why this matters
BPI's 2026 home loan promo offers some of the most competitive fixed rates available from a major Philippine bank right now. Through Nook, qualified borrowers can access BPI's 1-year fixed rate at 6.70% p.a. and 5-year fixed rate at 6.50% p.a. — significantly lower than the 8% to 10% rates many homeowners are currently paying. Whether you're looking to refinance an existing loan or purchase a new property, these promo rates can translate to tens of thousands of pesos in savings every year. For a full breakdown of how these rates compare over time, see our BPI home loan interest rates 2026 guide.
BPI accepts a wide range of borrower profiles under this promo — including employees in the private sector, government workers, BPO professionals, OFWs, seafarers, self-employed individuals, and licensed professionals. The minimum qualifying monthly income is ₱40,000, and the maximum debt-to-income ratio is 40%, meaning your total monthly loan obligations (including the new home loan) should not exceed 40% of your gross monthly income. BPI typically processes approved applications within 52 days, making it one of the more predictable timelines among major lenders. If you want to check your eligibility before applying, review the full BPI housing loan requirements checklist.
Applying through Nook is completely free to you as the borrower. Nook acts as your digital mortgage broker — comparing options, preparing your documents, and submitting directly to BPI on your behalf. There are no hidden fees, no broker commissions charged to you, and no obligation to proceed. This promo is available for refinancing, home equity, ready-for-occupancy purchases, pre-selling, new construction, renovation, and reselling transactions. Note: Interest rates are subject to change — verify the latest applicable rates with Nook or BPI before finalising 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 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 eligible home loan borrowers in 2026. These are among the most competitive rates available from a major Philippine bank and are accessible through Nook at no cost to you. Rates are subject to change, so it's best to apply sooner rather than later to lock in the promo pricing.
BPI accepts a broad range of employment types under this promo, including private employees, government workers, BPO staff, OFWs, seafarers, self-employed individuals, and licensed professionals. You'll need a minimum gross monthly income of ₱40,000 and a debt-to-income ratio of no more than 40%. Filipino citizens and qualified resident aliens may apply, subject to BPI's standard credit assessment.
Yes — refinancing is one of the eligible loan purposes under BPI's 2026 promo. If you're currently paying a higher rate (say 8% or above), refinancing to BPI's 6.50% 5-year fixed rate could save you thousands of pesos every month. Nook can run a free savings calculation for your specific loan balance and remaining term to show you exactly how much you'd save.
BPI's typical approval timeline is around 52 days from complete document submission. This is a relatively predictable window compared to some other lenders, which makes planning your property transaction easier. Applying through Nook helps streamline the process because Nook ensures your documents are complete and correctly prepared before submission, reducing the chance of delays.
No — Nook's service is 100% free to the borrower. Nook earns a referral fee from the bank, not from you, so you get full broker support at zero cost. You'll receive personalised guidance on which BPI promo product suits your situation, help with document preparation, and direct submission to BPI on your behalf.
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