Estimate your monthly repayments using BPI's 2026 home loan rates — then see how much you could save by refinancing through Nook for free.
POTENTIAL MONTHLY SAVINGS
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Why this matters
BPI Family Savings Bank is one of the Philippines' most trusted home loan providers, offering competitive fixed rates for both new purchases and refinancing. As a Nook partner bank, BPI currently offers a 1-year fixed rate of 6.70% p.a. and a 5-year fixed rate of 6.50% p.a. — some of the most accessible rates available to Filipino homeowners today. Whether you're buying a ready-for-occupancy unit, refinancing an existing loan, or tapping your home equity, BPI has a loan purpose and structure that can fit your situation. Minimum qualifying monthly income starts at just P40,000, making it accessible to private employees, government workers, BPO staff, OFWs, self-employed professionals, and more.
Many Filipino homeowners are still paying rates between 7% and 10% on loans locked in years ago — often without realising how much that's costing them every month. On a P3,000,000 loan with 20 years remaining, moving from a 9% rate to BPI's 6.50% fixed rate could reduce your monthly payment by over P4,000. That's money back in your pocket every single month, and a potential saving of hundreds of thousands of pesos over the life of your loan. If you're curious whether refinancing to BPI makes sense for your situation, our full guide to BPI home loan refinancing walks through rates, requirements, and how the switch works step by step.
Applying through Nook is completely free — we act as your digital mortgage broker, comparing options across our panel of partner banks so you don't have to visit a single branch or navigate bank paperwork alone. BPI's typical approval timeline is around 52 days, and with Nook managing the process on your behalf, you'll always know where your application stands. If you're weighing up your options, it's also worth reading our BPI vs BDO home loan comparison to see how the two leading banks stack up on rate, eligibility, and overall value. Note that all interest rates are subject to change — always verify current rates before making a borrowing 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. A Home Equity loan is also available at 6.70% p.a. Rates are subject to change, so we recommend verifying the latest figures before submitting your application.
Enter your loan amount, select your preferred fixed-rate period, and the calculator will show your estimated monthly repayment based on BPI's current rates and a standard 20-year loan term. The figures are indicative — your actual repayment will depend on your approved loan amount, term, and the rate BPI offers based on your profile.
BPI accepts applications from a wide range of employment types including private employees, government workers, BPO staff, OFWs, seafarers, self-employed individuals, and licensed professionals. The minimum qualifying monthly income is P40,000, and your total debt obligations should not exceed 40% of your gross monthly income (the maximum debt-to-income ratio).
BPI home loans can be used for refinancing an existing loan, purchasing a ready-for-occupancy or pre-selling property, reselling, new construction, home renovation, and home equity (cash-out). This makes BPI a flexible option whether you're a first-time buyer, an existing homeowner looking to lower your rate, or someone who wants to unlock equity in their property.
Yes — Nook's service is 100% free to you as the borrower. Nook is a digital mortgage broker, which means we're compensated by the bank when your loan is approved, not by charging you any fees. You get access to BPI's rates, a dedicated loan specialist, and end-to-end application support without paying a single peso for the service.
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