BPI Family Savings Bank is offering fixed rates starting at 6.50% p.a. — and through Nook, you can apply for free and see if you qualify in minutes.
YOUR POTENTIAL MONTHLY SAVINGS
No commitment. No credit check. Just your numbers.
Why this matters
BPI Family Savings Bank — one of Nook's verified partner banks — is one of the most accessible and competitive home loan providers in the Philippines heading into 2026. Their current promo rates include a 5-Year Fixed rate of 6.50% p.a. and a 1-Year Fixed rate of 6.70% p.a., making them a strong option for homeowners looking to refinance away from older, higher-rate loans. If you took out your home loan two to five years ago, there's a real chance you're paying 8% to 10% per year — and a refinance to BPI's current promo rate could cut your monthly payment by thousands of pesos. Before you apply, it's worth reviewing the complete BPI home loan requirements checklist so you know exactly what documents to prepare.
BPI Family Savings Bank accepts a wide range of borrower profiles, including salaried employees in the private sector, government workers, BPO employees, OFWs and seafarers, self-employed professionals, and business owners. The minimum qualifying monthly income is P40,000, and the maximum debt-to-income ratio is 40% — meaning your total monthly loan obligations should not exceed 40% of your gross monthly income. Loan purposes covered under these promo rates include refinancing, home equity, new construction, pre-selling, ready-for-occupancy units, reselling, and renovation. Typical approval takes around 52 days, so the sooner you apply, the sooner you lock in today's rate. You can also read more about how long BPI home loan approval really takes to plan your timeline accordingly.
Applying through Nook is completely free for borrowers. Nook acts as your digital mortgage broker — comparing your options, helping you prepare your documents, and submitting your application to BPI on your behalf at no cost to you. There are no broker fees, no hidden charges, and no obligation to proceed. Whether you're refinancing an existing loan or purchasing a new property, Nook gives you a faster, clearer path to BPI's best available rates. Note that interest rates are subject to change and we recommend verifying current rates directly with BPI or through Nook before making any financial 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 currently offers a 1-Year Fixed rate of 6.70% p.a. and a 5-Year Fixed rate of 6.50% p.a. as part of their 2026 home loan lineup. A Home Equity loan rate of 6.70% p.a. is also available. These rates are among the most competitive in the market right now, though they are subject to change — always confirm the latest rates through Nook or directly with BPI before applying.
BPI Family Savings Bank accepts borrowers across a wide range of employment types, including private sector employees, government workers, BPO staff, OFWs, seafarers, self-employed individuals, and licensed professionals. The minimum qualifying monthly income is P40,000, and your total monthly debt obligations must not exceed 40% of your gross monthly income. Filipino citizens and qualified resident aliens may apply.
Yes — refinancing is one of the eligible loan purposes under BPI Family Savings Bank's current home loan program. If you are currently paying a higher interest rate with another bank, you can refinance with BPI to take advantage of their lower promo rates and reduce your monthly amortisation. Nook can help you calculate your potential savings and handle the entire application process for free.
Simply start your application on Nook's website — the process takes just a few minutes and requires only basic details about your loan and income. Nook will match you with the best available rate from BPI and guide you through every step, from document preparation to submission. The service is 100% free for borrowers, with no broker fees or hidden charges at any stage.
BPI Family Savings Bank's typical approval timeline is around 52 days from the time of complete document submission. The exact duration can vary depending on your borrower profile, the completeness of your documents, and the loan purpose. Applying through Nook can help streamline the process since Nook ensures your application is complete and correctly prepared before it reaches BPI.
Check your exact savings in 60 seconds. It's free and takes no commitment.
Check My Savings Now →