BPI's 2026 home loan promos offer fixed rates starting at 6.50% p.a. — and through Nook, qualifying Filipino homeowners can refinance for free and lock in serious long-term savings.
YOUR POTENTIAL SAVINGS WITH BPI VIA NOOK
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Why this matters
Every few years, BPI rolls out promotional home loan rates designed to attract new borrowers and reward refinancers who make the switch. In 2026, BPI Family Savings Bank — a Nook partner — is offering competitive fixed rates starting at 6.50% p.a. for a 5-year fixed term and 6.70% p.a. for a 1-year fixed term. For homeowners currently stuck on older, higher-rate loans from other banks, these promo rates represent a genuine opportunity to cut monthly costs significantly. If your current rate is anywhere between 7% and 10%, refinancing to a BPI promo rate could save you tens of thousands of pesos every year. You can use the BPI housing loan calculator to estimate exactly what your new monthly payment could look like.
To qualify for BPI's promotional home loan rates in 2026, you'll typically need a minimum monthly income of 40,000 pesos, a debt-to-income ratio no higher than 40%, and a clean credit history. BPI accepts a broad range of employment types — including private employees, government workers, BPO professionals, OFWs, seafarers, the self-employed, and licensed professionals — making these promos accessible to a wide cross-section of Filipino homeowners. Loan purposes covered include refinancing, home equity, renovation, and purchase of ready-for-occupancy or pre-selling properties. For a full breakdown of what documents you'll need to prepare, check out the complete BPI housing loan requirements guide. Typical approval through Nook takes around 52 days from submission of complete documents.
Applying through Nook gives you a key advantage: our broker service is 100% free to borrowers. Nook handles the paperwork coordination, bank communication, and rate negotiation on your behalf — so you get access to BPI's best available promo rates without paying a single peso in broker fees. With rates subject to change at any time, acting early in 2026 is the smartest way to lock in the lowest available fixed rate before the promo window closes. Note that all rates published here are indicative and subject to change; always verify the latest rates directly with BPI or through your Nook advisor before making a financial 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
Through Nook, BPI Family Savings Bank is currently offering a 5-year fixed rate of 6.50% p.a. and a 1-year fixed rate of 6.70% p.a. These are among the most competitive rates available in the Philippine market right now. Rates are subject to change, so we recommend checking with your Nook advisor for the most up-to-date figures.
You'll need a minimum monthly income of 40,000 pesos and a total debt-to-income ratio not exceeding 40%. BPI accepts applicants from a wide range of employment backgrounds — private employees, government workers, BPO staff, OFWs, seafarers, self-employed individuals, and licensed professionals all qualify. A good credit history and a property with a clean title are also standard requirements.
Yes — refinancing is one of the primary loan purposes covered under BPI's 2026 home loan promos. If you're currently paying a rate above 7% with another bank, switching to BPI through Nook could meaningfully reduce your monthly payment. Nook will assess your current loan and help you determine whether refinancing makes financial sense for your situation.
The typical approval timeline for a BPI home loan processed through Nook is approximately 52 days from the date your complete documentary requirements are submitted. Nook's team actively coordinates with BPI on your behalf to avoid delays and ensure your application moves as quickly as possible. Incomplete documents are the most common cause of slowdowns, so preparing everything upfront is key.
Yes, Nook's mortgage brokering service is completely free to borrowers — there are no broker fees, application fees, or hidden charges on Nook's side. Nook earns a referral fee from the bank, not from you. This means you get expert guidance, document support, and access to BPI's promotional rates at zero cost to you.
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