BPI housing loan rates for 2026 start at 6.50% fixed for 5 years — but if you took out your loan a few years ago, you could be paying far more. Nook can help you refinance for free and lock in a lower rate today.
ESTIMATED MONTHLY SAVINGS
No commitment. No credit check. Just your numbers.
Why this matters
BPI Family Savings Bank is one of the Philippines' most trusted home loan providers, and their 2026 rates are genuinely competitive — currently offering a 1-year fixed rate of 6.70% p.a. and a 5-year fixed rate of 6.50% p.a. for qualified borrowers. These rates apply to a range of loan purposes including refinancing, home equity, new construction, pre-selling, RFO, reselling, and renovation. If you're already a BPI borrower and your loan is due for repricing, now is a critical time to review whether staying with BPI — or refinancing to a better product — is the right move. You can use the BPI housing loan calculator to estimate what your current and potential new payments would look like.
What many homeowners don't realise is that the rate you were offered when you first took out your loan may be significantly higher than what's available today. Filipino homeowners who borrowed between 2019 and 2023 are frequently sitting on rates of 7.5% to 10% — and with every passing month, that gap between what they pay and what they could pay represents real money lost. A ₱3,000,000 loan at 8.50% costs roughly ₱3,069 more per month than the same loan refinanced to 5.99% through Nook's best available rate. Over a 15-year remaining term, that's more than half a million pesos in potential savings. For a full breakdown of BPI's current rates and how refinancing works, see our BPI home loan interest rates 2026 refinancing guide.
Nook is the Philippines' first digital mortgage broker, and we work with BPI Family Savings Bank as a partner — meaning you can apply for a BPI refinance through Nook at absolutely zero cost. Our team handles the paperwork, compares BPI's offer against other lenders, and guides you through the entire process. BPI requires a minimum monthly income of ₱40,000 and accepts borrowers from the private sector, government, BPO, OFW/seafarer, self-employed, and professional categories. Typical approval takes around 52 days. Whether you're refinancing an existing loan or tapping home equity, Nook makes the process straightforward — and free. Note that all interest rates are subject to change; always verify the latest rates directly with BPI or through Nook before making a financial 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 home loans. These rates are available for a range of purposes including refinancing, home equity, and property purchase. Rates are subject to change, so it's worth checking with Nook or BPI directly to confirm the latest figures before you apply.
The clearest signal is your current interest rate — if you're paying 7.5% or higher, refinancing could meaningfully reduce your monthly payments and total interest cost. You should also consider how many years remain on your loan and whether your repricing date is approaching, since repricing is often a good trigger point to shop around. Nook can do a free comparison across multiple lenders so you know exactly where you stand before making any commitment.
BPI Family Savings Bank requires a minimum monthly income of ₱40,000 and accepts borrowers from a wide range of employment types including private employees, government workers, BPO staff, OFWs, seafarers, self-employed individuals, and licensed professionals. Your debt-to-income ratio must not exceed 40%, and you'll need standard documents such as proof of income, a property title, and your existing loan statement. Check out the complete BPI housing loan requirements guide for a full checklist.
Typical approval for a BPI housing loan through Nook takes around 52 days from the time your complete application is submitted. This timeline can vary depending on how quickly documents are verified and whether any additional information is requested. Nook's team actively follows up with the bank on your behalf to help keep things moving as smoothly as possible.
Yes — Nook's service is 100% free to borrowers. Nook earns a referral fee from the bank when a loan is successfully processed, so you pay nothing for the broker service, comparison, or application support. You get access to the same bank rates you'd receive by walking into a branch, plus the benefit of Nook's expertise and multi-bank comparison at no extra cost.
Check your exact savings in 60 seconds. It's free and takes no commitment.
Check My Savings Now →