BPI is offering special promotional rates starting at 6.50% p.a. in 2026 — but the best deals go fast. See how much you could save by applying through Nook, your free digital mortgage broker.
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Why this matters
BPI regularly rolls out home loan promos that include discounted fixed rates, processing fee waivers, and limited-time offers tied to property launches or seasonal campaigns. In 2026, BPI Family Savings Bank — a Nook partner — is offering 5-year fixed rates as low as 6.50% p.a. and 1-year fixed rates at 6.70% p.a. These are among the most competitive rates available in the Philippine market right now. If you're currently paying 8% or higher on your existing home loan, a BPI promo refinance could mean tens of thousands of pesos in annual savings. You can check out our complete guide to BPI home loan interest rates in 2026 for a full breakdown of current and historical rate tiers.
Beyond the headline rate, it's worth understanding what each promo actually includes. Some BPI offers waive the processing fee (typically 0.50% of the loan amount), while others bundle in free fire insurance for the first year or offer flexible re-pricing periods. For a refinance on a 3,000,000 loan, a processing fee waiver alone can save you 15,000 or more upfront. When comparing promos, always look at the Annual Contractual Rate (ACR), the re-pricing schedule, and any pre-termination penalties — not just the teaser rate. Nook's mortgage advisors can walk you through these details for free, so you're not left guessing. If you want to understand what documents you'll need to apply, our BPI housing loan requirements guide has everything laid out in one place.
Applying through Nook gives you access to BPI's promo rates without paying broker fees — our service is 100% free to borrowers. Nook submits your application directly to BPI Family Savings Bank and tracks it through to approval, with typical processing taking around 52 days. You'll also benefit from Nook comparing BPI's promo against rates from other partner banks, so you can be confident you're getting the best deal available. Whether you're buying a new property or refinancing an existing loan, Nook makes it easy to take advantage of 2026 promos before they expire. Note: Interest rates are subject to change. Always verify current rates directly with BPI or through Nook before finalising 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 5-year fixed rate of 6.50% p.a. and a 1-year fixed rate of 6.70% p.a. through Nook. Promos can also include processing fee waivers and bundled insurance — availability changes throughout the year, so it's worth checking with Nook to confirm what's currently active.
BPI promo rates apply to both new home purchases and refinancing of existing loans. Refinancing is one of the most popular use cases — many homeowners switch to BPI specifically to lock in a lower promo rate and reduce their monthly payments. Nook specialises in home loan refinancing and can help you determine if switching to BPI makes financial sense for your situation.
On a 3,000,000 loan with 20 years remaining, switching from an 8.50% rate to BPI's 6.50% promo rate could save you over 3,700 per month — that's more than 44,000 per year and nearly 900,000 over the life of the loan. Your actual savings will depend on your current rate, outstanding balance, and remaining term. Use Nook's free calculator to get a personalised estimate.
No — Nook's service is completely free to borrowers. Nook earns a referral fee from the bank, not from you. You get access to BPI's current promo rates, a dedicated mortgage advisor, and end-to-end application support at zero cost.
To qualify for BPI Family Savings Bank's home loan promos, you generally need a minimum monthly income of 40,000 and a debt-to-income ratio below 40%. BPI accepts applications from salaried employees, government workers, BPO employees, OFWs, seafarers, self-employed individuals, and professionals. For a full checklist of required documents and eligibility criteria, see our BPI housing loan requirements guide.
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