BPI's current fixed rates start at 6.50% p.a. — but Nook can help you compare and refinance to as low as 5.99% p.a., potentially saving you thousands every month.
ESTIMATED MONTHLY SAVINGS
No commitment. No credit check. Just your numbers.
Why this matters
BPI is one of the Philippines' most trusted home loan providers, offering fixed-rate housing loans with competitive terms and a strong track record of approvals. For 2026, BPI Family Savings Bank — a Nook partner bank — offers a 1-year fixed rate of 6.70% p.a. and a 5-year fixed rate of 6.50% p.a., making it one of the more accessible options for homeowners looking to refinance or purchase. Minimum monthly income requirement is P40,000, and BPI accepts a wide range of employment types including private employees, OFWs, self-employed professionals, and government workers. Typical approval takes around 52 days. You can use our BPI housing loan calculator to estimate your exact monthly payments before you apply.
If you're currently on a BPI loan that was fixed 1–3 years ago, there's a strong chance you're paying a rate between 7.5% and 10% — well above what's available today. Many homeowners don't realise their fixed-rate period has already ended and they've rolled onto a higher repricing rate. Refinancing through Nook means we do the comparison work for you across multiple banks at zero cost to you. Our brokers will identify whether switching to BPI's current promos or moving to another lender entirely will give you the biggest savings. For a full breakdown of what documents you'll need, see our complete BPI housing loan requirements guide.
Nook is the Philippines' first digital mortgage broker, and our service is completely free for borrowers. We're compensated directly by the banks, so you never pay a broker fee. Whether you're refinancing an existing BPI loan, switching from another bank, or taking out a new housing loan, Nook will match you with the best available rate in the market — including BPI's latest 2026 promos. Interest rates are subject to change; always verify current rates with your bank 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
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 housing loans in 2026. A home equity rate of 6.70% p.a. is also available. These rates are subject to change, so we recommend verifying the latest figures through Nook or directly with BPI before applying.
BPI housing loans are typically fixed for 1 or 5 years, after which your loan is repriced based on prevailing market rates — which are often higher than your original fixed rate. If your fixed period has already ended or is about to expire, this is the best time to review your options and potentially refinance to a lower rate. Nook can help you check whether refinancing with BPI or another bank would save you money.
Yes — Nook can help you refinance an existing BPI loan, whether you want to stay with BPI at a better rate or switch to a different bank entirely. Our service is 100% free to borrowers, and we handle the comparison and paperwork coordination on your behalf. Many homeowners refinancing through Nook are saving over P3,000 per month compared to their current repayments.
BPI Family Savings Bank requires a minimum monthly income of P40,000 for housing loan applicants. BPI accepts borrowers across a wide range of employment types, including private-sector employees, government workers, BPO employees, OFWs and seafarers, self-employed individuals, and licensed professionals. This makes BPI one of the more inclusive lenders in the Philippine market.
BPI's typical housing loan approval timeline is around 52 days from submission of complete documents. Having all your requirements in order from the start is the best way to avoid delays. You can review exactly what documents are needed in our BPI housing loan requirements 2026 guide to make sure your application is complete before you submit.
Check your exact savings in 60 seconds. It's free and takes no commitment.
Check My Savings Now →