BPI is offering some of its most competitive fixed rates in years — with a 5-year fixed rate as low as 6.50% p.a. Apply through Nook for free and see if you qualify for a lower monthly payment starting today.
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Why this matters
BPI Family Savings Bank is one of the Philippines' most trusted home loan lenders — and for 2026, they're offering some genuinely competitive fixed-rate promos that are worth a close look. Their 5-year fixed rate of 6.50% p.a. is among the lowest available from a major Philippine bank right now, making this a strong option whether you're purchasing a new home or refinancing an existing loan. If you locked in your current home loan at 8%, 9%, or higher, repricing or refinancing to BPI's 2026 promo rates could save you tens of thousands of pesos every year. You can use the BPI housing loan calculator to run your own numbers before you apply.
Eligibility for BPI's 2026 housing loan promos is straightforward for most employed and self-employed Filipinos. You'll need a minimum monthly income of ₱40,000, and BPI accepts borrowers across a wide range of employment types — including private employees, government workers, BPO professionals, OFWs, seafarers, and self-employed individuals. Loan purposes covered include refinancing, purchase of ready-for-occupancy and pre-selling units, new construction, renovation, home equity, and foreclosed properties. For a full breakdown of what documents you'll need to prepare, see the complete BPI housing loan requirements guide. Typical approval takes around 52 days, so it pays to get your documents ready early.
Applying through Nook gives you an important advantage: Nook is a BSP-registered mortgage broker that works with BPI Family Savings Bank as a partner, meaning you get access to their promo rates with zero broker fees. Nook handles the comparison, paperwork coordination, and follow-up on your behalf — completely free of charge. Whether you're a first-time buyer exploring BPI's 2026 deals or an existing homeowner looking to refinance at a lower rate, Nook can help you find out exactly what you qualify for. Interest rates are subject to change; always verify current promo rates directly 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. for eligible home loan borrowers in 2026. A home equity loan rate of 6.70% p.a. is also available. These are among the most competitive rates from a major Philippine bank right now, though rates are subject to change — check with Nook or BPI directly for the latest figures before applying.
To qualify, you'll generally 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 borrower types including private and government employees, BPO workers, OFWs, seafarers, self-employed individuals, and licensed professionals. The promo rates apply across multiple loan purposes including purchase, refinancing, renovation, and home equity.
Yes — refinancing is one of the eligible loan purposes under BPI's 2026 housing loan promos. If your current loan is sitting at 8% or higher, switching to BPI's 5-year fixed rate of 6.50% p.a. could reduce your monthly payment by several thousand pesos. Nook can calculate your potential savings and help you apply for free — see the BPI home loan interest rates and refinancing guide for more detail.
BPI Family Savings Bank typically takes around 52 days to process and approve a home loan application. Having all your required documents complete and accurate from the start is the best way to avoid delays. Applying through Nook can help streamline the process since Nook coordinates your documents and communicates with the bank on your behalf.
No — Nook's mortgage brokering service is completely free for borrowers. Nook is paid by the bank, not by you, so you get expert guidance, rate comparison, and application support at zero cost. You'll access the same BPI promo rates you'd get by going directly to the bank, but with professional assistance throughout the process.
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