BPI is running some of the most competitive housing loan promos in the Philippine market right now — with fixed rates starting at 6.50% p.a. Through Nook, you can access these deals for free and find out if refinancing could save you thousands every month.
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Why this matters
BPI Family Savings Bank — one of Nook's verified partner banks — regularly offers promotional housing loan rates that make it one of the most attractive options for Filipino homeowners looking to buy or refinance. For 2026, BPI's promo lineup includes a 5-year fixed rate of 6.50% p.a. and a 1-year fixed rate of 6.70% p.a., both significantly lower than the 8–10% rates many existing borrowers are still paying on older home loans. If your current bank hasn't offered you a repricing in the last few years, there's a good chance you're leaving real money on the table every single month. You can use the BPI housing loan calculator to get a quick estimate of what your new monthly payment could look like.
To qualify for BPI's housing loan promos in 2026, you'll need a minimum monthly income of ₱40,000 and a debt-to-income ratio of no more than 40%. BPI accepts a wide range of employment types — including private employees, government workers, BPO staff, OFWs and seafarers, self-employed individuals, and licensed professionals. Loan purposes covered include refinancing, home equity, renovation, new construction, and purchase of ready-for-occupancy or pre-selling properties. For a full breakdown of what documents and eligibility conditions apply, see the complete BPI housing loan requirements guide. Typical approval takes around 52 days, and because Nook handles the paperwork and bank coordination on your behalf, the process is considerably smoother than applying on your own.
The biggest mistake Filipino homeowners make is assuming their current bank is already giving them the best deal. In most cases, loyalty doesn't get rewarded — but refinancing does. By switching to a lower promotional rate through BPI via Nook, a ₱3,000,000 loan with 20 years remaining could save you over ₱850,000 in total interest. Nook's service is completely free to borrowers: no broker fees, no hidden charges, no obligation. We compare offers across our network of partner banks so you don't have to negotiate alone. Please note that interest rates are subject to change — verify current promo rates with Nook or BPI directly before applying.
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. as part of their 2026 housing loan lineup. These promotional rates apply to both new purchases and refinancing. Rates are subject to change, so it's best to confirm the latest figures through Nook or directly with BPI before you lock anything in.
To be eligible, you need a minimum monthly income of ₱40,000 and a debt-to-income ratio of 40% or below. BPI accepts borrowers across a wide range of employment categories including private employees, government workers, BPO staff, OFWs, seafarers, self-employed individuals, and licensed professionals. The property must also meet BPI's appraisal and documentation standards.
BPI's typical approval timeline is around 52 days from complete document submission. Applying through Nook can help speed things up because our team reviews your documents before submission to catch any issues early. We also coordinate directly with BPI on your behalf so you're not chasing the bank for updates.
Yes — refinancing is one of the primary loan purposes covered under BPI's housing loan promos. If your current loan is with another bank and you're paying a higher rate, refinancing to BPI's 6.50% 5-year fixed rate could result in significant monthly and long-term savings. Nook will assess your current loan details and tell you honestly whether refinancing makes financial sense for your situation.
No — Nook's mortgage brokering service is completely free to borrowers. You won't pay any broker fees or application charges for using Nook to access BPI's housing loan promos. Nook earns a referral fee from the bank upon successful loan disbursement, which means our interests are fully aligned with getting you the best deal possible.
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