BPI is offering fixed rates from 6.50% p.a. on home loans in 2026 — and through Nook, you can compare, apply, and refinance for completely free.
YOUR POTENTIAL 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 lenders — and in 2026, they're offering some of their most competitive fixed rates in years. With a 1-year fixed rate of 6.70% p.a. and a 5-year fixed rate of 6.50% p.a., BPI is giving Filipino homeowners a real opportunity to lock in predictable, lower monthly payments. Whether you're buying a ready-for-occupancy property, refinancing an existing loan, or tapping your home equity for renovations, BPI has a loan purpose that fits — and Nook makes the application completely free. If you want to understand exactly how your monthly payments are calculated under these promos, the BPI housing loan calculator guide walks through the numbers in detail.
Most Filipino homeowners carrying loans from 2020 to 2023 are still locked into rates of 8% to 10% — rates that made sense at the time but now represent significant overpayment every single month. Refinancing to a BPI promo rate in 2026 could save you tens of thousands of pesos annually, with no broker fees through Nook. BPI accepts a wide range of borrower profiles including private employees, government workers, BPO professionals, OFWs, seafarers, self-employed individuals, and licensed professionals — with a minimum monthly income requirement of just 40,000 pesos. Typical loan approval takes around 52 days, and BPI's debt-to-income ratio ceiling of 40% is generous enough to accommodate many existing borrowers looking to refinance. For a full breakdown of what documents and eligibility criteria you'll need to prepare, see the complete BPI housing loan requirements guide.
Nook is the Philippines' first digital mortgage broker, and our partnership with BPI Family Savings Bank means you get direct access to these 2026 promo rates — without paying a single peso in broker fees. We compare BPI's offer against other leading Philippine banks so you can be confident you're getting the best deal available to you. Our team handles the paperwork coordination, bank communication, and application tracking on your behalf, so you don't have to navigate the process alone. Note: Interest rates are subject to change without prior notice. Please verify current rates with BPI or through Nook 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. on home loans in 2026. These are among the most competitive fixed rates available from a major Philippine bank right now. Rates are subject to change, so it's worth locking in sooner rather than later.
BPI accepts a broad range of borrower types including private employees, government workers, BPO staff, OFWs, seafarers, self-employed individuals, and licensed professionals. The minimum monthly income requirement is 40,000 pesos, and your total monthly debt obligations — including the new home loan payment — must not exceed 40% of your gross monthly income. Most standard residential transactions are eligible, including refinancing, reselling, ready-for-occupancy purchases, renovation loans, and home equity loans.
BPI's typical loan approval timeline is around 52 days from submission of a complete application. The exact timeline can vary depending on property type, completeness of your documents, and current application volumes. Applying through Nook can help streamline the process since our team ensures your documents are complete and correctly formatted before submission.
No — Nook's mortgage brokering service is 100% free for borrowers. You pay nothing for the comparison, application assistance, or coordination that Nook provides. Nook is compensated by the bank upon successful loan disbursement, so there's no cost to you at any stage of the process.
The right choice depends on your outlook on interest rates and your need for payment certainty. The 5-year fixed rate at 6.50% p.a. gives you five years of predictable monthly payments, which is ideal if you want long-term stability and protection against rate increases. The 1-year fixed at 6.70% p.a. is slightly higher but reprices sooner, which could work in your favour if you expect rates to drop. For a deeper look at how BPI's rates compare over different fixing periods, the BPI home loan interest rates 2026 guide breaks this down clearly.
Check your exact savings in 60 seconds. It's free and takes no commitment.
Check My Savings Now →