Homeowners refinancing to BPI through Nook are locking in rates as low as 6.50% p.a. — and saving thousands every single month. Nook's service is 100% free.
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Why this matters
BPI Family Savings Bank is one of the Philippines' most trusted home loan providers — and in 2026, their refinance rates are among the most competitive in the market. With a 5-year fixed rate of 6.50% p.a. and a 1-year fixed rate of 6.70% p.a., refinancing your existing home loan to BPI could mean a significantly lower monthly amortisation and real, lasting savings over the life of your loan. If you're currently paying 8%, 9%, or even 10% with another bank, the numbers can be striking. On a 3,000,000 loan with 20 years remaining, switching from 9% to 6.50% puts roughly 4,600 pesos back in your pocket every month.
The process of refinancing to BPI involves submitting income documents, property titles, and loan statements from your current bank — and BPI typically processes approved applications in around 52 days. Eligibility is accessible: you'll need a minimum monthly income of 40,000 pesos, and BPI accepts a wide range of borrower profiles including private employees, government workers, BPO staff, OFWs, seafarers, self-employed professionals, and more. Whether your property is ready for occupancy, pre-selling, or you're looking to consolidate through a home equity loan, BPI has a product for your situation. You can read a full breakdown of the BPI refinance process, eligibility requirements, and how to secure a lower rate on our dedicated guide.
Applying through Nook means you don't have to navigate the paperwork alone — and it costs you nothing. Nook is the Philippines' first digital mortgage broker, and we work directly with BPI Family Savings Bank as a partner. We compare your options across multiple lenders, help you prepare your documents, and manage the submission process on your behalf. If you're also considering whether to stay with BPI or refinance your BPI home loan to another bank, our brokers can walk you through the honest trade-offs. Please note that interest rates are subject to change — always verify the latest figures directly with BPI or through Nook before making a 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 currently offers a 1-year fixed rate of 6.70% p.a. and a 5-year fixed rate of 6.50% p.a. for refinancing. These rates are subject to change, so we recommend getting a personalised quote through Nook to confirm the latest figures before you apply.
BPI accepts refinance applications from a broad range of borrowers including private and government employees, BPO workers, OFWs, seafarers, self-employed individuals, and licensed professionals. The minimum qualifying monthly income is 40,000 pesos, and your debt-to-income ratio should not exceed 40%.
BPI typically takes around 52 days to process and approve a refinance application from submission to loan release. Applying through Nook can help streamline this — our brokers make sure your documents are complete and correctly prepared before submission, reducing the risk of delays.
You'll generally need valid government-issued IDs, proof of income (payslips, ITR, or business documents depending on your employment type), a copy of your current loan statement, and property documents including the Transfer Certificate of Title and tax declaration. Nook provides a personalised document checklist based on your specific profile.
No — Nook's service is completely free for borrowers. Nook earns a referral fee from the bank upon successful loan disbursement, so you get full broker support, document assistance, and multi-bank comparison at zero cost to you.
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