BPI is offering some of the most competitive home loan rates in the market right now — as low as 6.50% fixed for 5 years. Find out if you qualify and how applying through Nook can save you even more.
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Why this matters
BPI's 2026 home loan promos are drawing serious attention from Filipino homeowners who are tired of paying inflated interest rates locked in years ago. Whether you're buying a new home, refinancing an existing loan, or tapping your property's equity for renovations or other needs, 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. — both significantly lower than what most homeowners are paying today. If your current rate is sitting anywhere between 7% and 10%, switching to BPI through Nook could mean thousands of pesos back in your pocket every single month. To understand exactly what documents you'll need to qualify, see our complete BPI housing loan requirements checklist for 2026.
BPI's home loan promo is open to a wide range of borrowers — including private and government employees, BPO workers, OFWs, seafarers, self-employed professionals, and business owners. The minimum qualifying income is P40,000 per month, and BPI applies a maximum debt-to-income ratio of 40%, meaning your total monthly loan obligations shouldn't exceed 40% of your gross monthly income. Eligible loan purposes include refinancing, ready-for-occupancy purchases, pre-selling properties, reselling, new construction, home equity loans, and foreclosed property acquisitions. This breadth of coverage makes BPI one of the most flexible banks for Filipino homeowners at different stages of their property journey.
Applying for the BPI home loan promo through Nook is completely free — Nook is the Philippines' first digital mortgage broker, and we handle the entire application process on your behalf at zero cost to you. We compare BPI's rates against other partner banks so you always get the best deal available, not just the first offer on the table. Once you submit your details, Nook's specialists prepare your documents, liaise with BPI directly, and guide you through every step until your loan is released. Typical approval through BPI takes around 52 days, so the sooner you start, the sooner your savings begin. Curious about the timeline? Read our realistic guide to BPI home loan processing time in 2026 so you know exactly what to expect.
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 in 2026. These are among the most competitive rates available in the Philippine market right now. Note that interest rates are subject to change, so it's worth verifying the latest rates directly with BPI or through Nook before applying.
BPI's home loan promo is open to a broad range of borrowers, including salaried employees in private companies or government, BPO workers, OFWs, seafarers, self-employed individuals, and licensed professionals. You need a minimum monthly income of P40,000 and your total monthly loan obligations must not exceed 40% of your gross income. Both Filipino citizens and qualified foreign nationals may apply, subject to BPI's standard eligibility criteria.
BPI's promo rates apply to a wide range of loan purposes, including refinancing an existing home loan, purchasing ready-for-occupancy or pre-selling units, reselling properties, new construction, home equity loans, and even foreclosed property acquisitions. This makes the promo relevant whether you're a first-time buyer, an investor, or a homeowner looking to unlock your property's value. Your specific property type will be assessed during BPI's standard loan evaluation process.
BPI's typical approval timeline is around 52 days from complete document submission to loan release, making it one of the more efficient banks in the Philippines for home loan processing. The timeline can vary depending on how quickly you submit complete documents, the complexity of your case, and BPI's current processing volume. Applying through Nook helps speed things up because our specialists prepare your documents correctly the first time and follow up with the bank on your behalf.
Yes — Nook's mortgage broking service is 100% free to borrowers. You pay nothing to have Nook compare BPI against other banks, prepare your application, and manage the process from start to finish. Nook is compensated by the bank, not by you, so there's no catch and no hidden fees. Applying through Nook also gives you access to multiple lenders in one submission, so you can be confident you're getting the best rate available for your situation.
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