BPI's 5-Year Fixed Rate of 6.50% p.a. is one of the most competitive home loan promos available right now — and applying through Nook is completely free.
YOUR POTENTIAL SAVINGS WITH BPI VIA NOOK
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Why this matters
BPI Family Savings Bank is one of the Philippines' most trusted home loan providers, and their 2026 fixed-rate promos are worth paying close attention to. Whether you're buying a new home or refinancing an existing loan, BPI currently offers a 1-Year Fixed Rate of 6.70% p.a. and a 5-Year Fixed Rate of 6.50% p.a. — both significantly lower than the 8–10% rates many Filipino homeowners are still paying today. If you locked in your loan a few years ago and haven't revisited your rate, chances are you're leaving thousands of pesos on the table every month. You can explore BPI's full 2026 interest rate lineup to see exactly where you stand.
Qualifying for BPI's promo rates is more accessible than many borrowers expect. BPI accepts applicants from a wide range of employment backgrounds — including private employees, government workers, BPO staff, OFWs, seafarers, self-employed professionals, and more. The minimum monthly income requirement is ₱40,000, and BPI's maximum debt-to-income ratio of 40% gives most middle-income households a realistic path to approval. Typical approval takes around 52 days, and BPI supports a full range of loan purposes including refinancing, home equity, renovation, pre-selling, RFO, and new construction. Before you apply, it's worth reviewing the complete BPI housing loan requirements checklist so you're not caught off guard by missing documents.
Applying through Nook means you get access to BPI's promo rates without paying a single centavo in broker fees — Nook's service is 100% free to borrowers. Nook's mortgage specialists will help you compare BPI's offer against other partner banks, prepare your application correctly the first time, and guide you all the way to approval. Whether you're a first-time buyer or a seasoned homeowner looking to refinance, Nook takes the guesswork out of the process. Note that interest rates are subject to change — the rates shown reflect current published promos and should be verified at the time of 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 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 eligible home loan borrowers. These are among the most competitive fixed rates available from a major Philippine bank right now. Rates are subject to change, so it's best to lock in your application as soon as you're ready.
BPI accepts borrowers from a wide range of employment types including private employees, government workers, BPO employees, OFWs, seafarers, self-employed individuals, and licensed professionals. The minimum monthly income requirement is ₱40,000 gross, and your total monthly debt obligations (including the new loan) must not exceed 40% of your gross income. Filipino citizenship or permanent residency status is also required.
BPI's typical approval timeline is around 52 days from submission of a complete application. Incomplete documents are the most common cause of delays, so preparing your paperwork carefully before submitting makes a significant difference. Applying through Nook gives you access to a specialist who will review your documents before submission to help avoid unnecessary back-and-forth.
Yes — refinancing is one of BPI's supported loan purposes, and it's one of the most popular reasons Filipinos apply through Nook. If you're currently paying a rate of 8% or higher, switching to BPI's 6.50% 5-Year Fixed Rate could save you tens of thousands of pesos per year. You can use Nook's free service to calculate your exact savings before committing to anything.
No — Nook's mortgage brokering service is completely free for borrowers. Nook is compensated by the bank upon successful loan disbursement, so you receive expert guidance, document support, and bank comparison at zero cost to you. You apply once through Nook and get access to BPI and other partner banks without filling out multiple separate applications.
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