BPI is offering some of the most competitive housing loan rates in the market right now — with 5-year fixed rates as low as 6.50% p.a. Apply through Nook for free and see how much you could save.
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Why this matters
If you took out a home loan a few years ago, there's a strong chance you're paying a rate well above what BPI is offering today. Many Filipino homeowners are still locked into rates between 7% and 10%, often without realising that refinancing could dramatically reduce their monthly repayments. The BPI Housing Loan Promo for 2026 features a 1-year fixed rate of 6.70% p.a. and a 5-year fixed rate of just 6.50% p.a. — making now one of the best windows to act if you've been thinking about refinancing. To see exactly what your repayments would look like under a BPI loan, use the BPI housing loan calculator to run your numbers before you apply.
BPI Family Savings Bank is a Nook partner bank, which means Nook can submit your application directly — at zero cost to you. Approval typically takes around 52 days, and BPI accepts a wide range of borrower profiles including private employees, government workers, BPO staff, OFWs, seafarers, self-employed professionals, and more. The minimum monthly income requirement is ₱40,000, and the maximum debt-to-income ratio is 40%, which is standard across most Philippine banks. BPI also supports multiple loan purposes including refinancing, home equity, renovation, new construction, pre-selling, RFO, and reselling. For a full breakdown of what documents you'll need, check the complete BPI housing loan requirements guide.
Applying through Nook gives you access to BPI's current promos alongside rates from other leading Philippine banks — all in one place, with a dedicated broker guiding you through the process. Nook's service is 100% free for borrowers; there are no broker fees, no hidden charges, and no obligation to proceed once you see your options. Whether you're refinancing an existing loan or purchasing a new property, Nook helps you compare, qualify, and close faster. Note that all interest rates are subject to change — borrowers are encouraged to verify current rates directly with BPI or through Nook at the time of 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 home loans. These rates are among the most competitive available in the Philippine market right now, though rates are subject to change — confirm the latest figures with BPI or through Nook before applying.
BPI accepts borrowers from a wide range of employment backgrounds including private sector employees, government workers, BPO professionals, OFWs, seafarers, self-employed individuals, and licensed professionals. The minimum monthly income requirement is ₱40,000 and your total monthly debt obligations must not exceed 40% of your gross monthly income.
BPI's typical approval timeline is around 52 days from the time a complete application is submitted. Preparing all required documents in advance is the most effective way to avoid delays — you can find the full checklist in our BPI housing loan requirements 2026 guide. Applying through Nook also helps because your broker will review your documents before submission.
Yes, refinancing is one of the loan purposes BPI supports under its current housing loan offerings. If you're currently paying a rate above 7% or 8%, switching to BPI's 5-year fixed rate of 6.50% p.a. could result in significant monthly savings. Nook can help you calculate your exact savings and handle the refinancing application at no cost to you.
No — Nook's service is completely free for borrowers. Nook earns a referral fee from the bank upon successful loan disbursement, so you never pay a broker fee or service charge. You get access to BPI's current promos, a dedicated mortgage broker, and help with document preparation, all at zero cost.
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