BPI offers some of the most competitive housing loan rates in the Philippines — starting at 6.50% fixed for 5 years. If you're currently paying 8% or more, switching through Nook's free broker service could save you thousands every month.
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Why this matters
BPI Family Savings Bank is one of the Philippines' most established home loan lenders, and for 2026 it remains a top choice for both new borrowers and those looking to refinance. With a 5-year fixed rate of 6.50% p.a. and a 1-year fixed option at 6.70% p.a., BPI's rates sit well below what many Filipino homeowners are currently paying on older loan packages. To be eligible, you'll generally need a minimum monthly income of ₱40,000 and a debt-to-income ratio of no more than 40%. BPI accepts a wide range of borrower profiles — including private employees, government workers, BPO professionals, OFWs, seafarers, and the self-employed. If you want a full breakdown of what documents you'll need, our complete BPI housing loan requirements guide covers every checklist item.
For 2026, BPI supports a broad range of loan purposes: refinancing an existing home loan, purchasing a ready-for-occupancy or pre-selling unit, home equity borrowing, new construction, renovation, reselling, and even foreclosed properties. This flexibility makes BPI a practical option whether you're buying your first home or unlocking equity in a property you already own. Typical approval takes around 52 days, which is faster than many competing banks — and applying through Nook means a dedicated mortgage specialist will guide your application from document submission to loan release at no cost to you. Want to run the numbers first? Try our BPI housing loan payment calculator to estimate your monthly amortisation under different rate scenarios.
Nook is a BPI Family Savings Bank partner, which means borrowers who apply through us get direct access to their current rates and dedicated processing support — without paying any broker fee. Whether you're refinancing from another bank or applying for a BPI housing loan for the first time in 2026, Nook handles the complexity so you don't have to. Interest rates are subject to change; always confirm the latest figures directly with BPI or through your Nook advisor before submitting 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. for housing loans in 2026. A home equity option is also available at 6.70% p.a. Rates are subject to change, so we recommend confirming current figures with Nook or BPI directly before you apply.
BPI requires a minimum monthly income of ₱40,000 and a maximum debt-to-income (DTI) ratio of 40%. Eligible borrower types include private and government employees, BPO workers, OFWs, seafarers, self-employed individuals, and licensed professionals. For a detailed checklist of supporting documents, see our BPI housing loan requirements 2026 guide.
BPI's typical loan approval timeline is around 52 days from submission of complete documents. Applying through Nook can help keep your application on track, as our specialists review your documents before submission to minimise back-and-forth with the bank. Timelines can vary depending on the complexity of your application and property type.
Yes — refinancing is one of BPI's supported loan purposes for 2026, and it's one of the most common reasons Filipino homeowners apply through Nook. If you're currently paying 8% or more on an older loan package, switching to BPI's 5-year fixed rate of 6.50% could meaningfully reduce your monthly amortisation. Nook's service is 100% free to refinancing borrowers.
No — Nook's mortgage brokering service is completely free for borrowers. Nook earns a referral fee from the bank once your loan is successfully released, so you get expert guidance, document review, and lender comparison at zero cost. There are no hidden charges at any stage of the process.
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