BPI is offering special fixed rates starting at 6.50% p.a. in 2026 — and Filipino homeowners who act now could save tens of thousands of pesos every year on their home loan.
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Why this matters
BPI Family Savings Bank is one of the Philippines' most trusted home loan lenders, and their 2026 promo rates make it one of the most compelling times in recent memory to either take out a new home loan or refinance your existing mortgage to BPI. Their current promotional lineup includes a 1-year fixed rate of 6.70% p.a. and a 5-year fixed rate of 6.50% p.a. — well below the 8% to 10% rates many Filipino homeowners are still paying on older loan agreements. For a 3,000,000-peso loan on a 20-year term, that gap translates to real, life-changing monthly savings.
Qualifying for BPI's 2026 home loan promo is more accessible than many borrowers expect. You'll need a minimum monthly income of 40,000 pesos, and BPI accepts a wide range of employment types — including private employees, government workers, BPO professionals, OFWs, seafarers, and self-employed individuals. Eligible loan purposes include refinancing, ready-for-occupancy purchases, pre-selling properties, reselling, home equity, renovation, and new construction. Maximum debt-to-income ratio is set at 40%, and typical approval takes around 52 days. If you want to understand exactly what documents you'll need, check out the complete BPI housing loan requirements checklist before you apply.
The fastest and most cost-effective way to take advantage of BPI's 2026 promo rates is through Nook — the Philippines' first digital mortgage broker. Nook's service is completely free to borrowers, meaning you get expert guidance, rate comparisons, and end-to-end application support at zero cost. Nook submits your application directly to BPI and other partner banks simultaneously, so you can be confident you're getting the best available rate before the promo window closes. Interest rates are subject to change and we recommend verifying current promotional rates with BPI or through Nook 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. as part of their 2026 home loan lineup. These are among the most competitive rates available in the Philippine market right now. Rates are subject to change, so it's best to lock in as early as possible — Nook can help you apply for free.
To qualify, you'll need a minimum monthly income of 40,000 pesos and a total debt-to-income ratio not exceeding 40%. BPI accepts private employees, government workers, BPO staff, OFWs, seafarers, self-employed individuals, and licensed professionals. Whether you're buying a new property or refinancing an existing loan, BPI's promo rates are open to a broad range of borrowers.
Yes — refinancing is one of the eligible loan purposes under BPI's 2026 home loan program. If your current mortgage rate is above 7% or 8%, switching to BPI's 5-year fixed promo rate of 6.50% could save you thousands of pesos every month. Nook can calculate your exact savings and handle the entire refinancing process for free.
BPI's typical loan approval timeline is around 52 days from submission of complete documents. Applying through Nook can help streamline the process because Nook's team reviews your documents for completeness before submission, reducing the chance of delays. Starting your application early is especially important if you want to secure a time-limited promo rate.
No — Nook's mortgage broker service is 100% free to borrowers. You pay nothing for Nook's rate comparison, application preparation, and submission support. Nook is compensated by the bank, not by you, so there's no reason not to use a broker to make sure you're getting the best available deal on your BPI home loan.
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