BPI is offering some of its most competitive fixed rates in years — as low as 6.50% p.a. on a 5-year fix. Apply free through Nook and see how much you could save on your home loan.
YOUR POTENTIAL SAVINGS
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Why this matters
BPI's 2026 housing loan promos are worth taking seriously. Whether you're buying a new home or looking to refinance an existing loan, BPI Family Savings Bank — a Nook partner — is currently offering a 1-year fixed rate of 6.70% p.a. and a 5-year fixed rate of 6.50% p.a. These are among the sharpest rates available in the Philippine market right now, particularly for borrowers who want medium-term rate certainty. If you're currently paying 8% or above on an older loan, the savings can be substantial. You can use the BPI housing loan calculator to run your own numbers before you apply.
Qualifying for a BPI housing loan promo in 2026 is more accessible than many borrowers expect. BPI Family Savings Bank accepts a wide range of employment types — including private employees, government workers, BPO professionals, OFWs, seafarers, and self-employed individuals — with a minimum monthly income requirement of just 40,000 pesos. The bank's typical approval timeline runs around 52 days, and loan purposes cover refinancing, ready-for-occupancy units, pre-selling properties, home equity, renovation, new construction, and reselling. For a full breakdown of what documents you'll need, see the complete BPI housing loan requirements guide.
Applying through Nook means you get access to BPI's promo rates without paying any broker fees — Nook's service is completely free to borrowers. Nook's mortgage specialists handle the comparison, paperwork coordination, and bank follow-ups on your behalf, so you're not navigating the process alone. Because Nook works with multiple partner banks, you'll also be able to see whether BPI's current promo is truly the best deal for your specific loan amount, tenure, and income profile — or whether another lender offers a better fit. Note that interest rates are subject to change; always verify the latest rates directly with the bank 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 home loans including refinancing, RFO purchases, and new construction. These rates are among the most competitive available through Nook's partner bank network, though they are subject to change — confirm current rates when you apply.
BPI Family Savings Bank accepts applicants who are at least 18 years old and earn a minimum monthly income of 40,000 pesos. Eligible employment types include private and government employees, BPO workers, OFWs, seafarers, self-employed individuals, and licensed professionals — making the promo accessible to a broad range of Filipino borrowers.
Yes — refinancing is one of the eligible loan purposes under BPI Family Savings Bank's current housing loan offering. If you're paying a higher rate on a loan from another bank, refinancing to BPI's 6.50% 5-year fixed rate could significantly reduce your monthly payment and total interest cost. You can check your potential savings using the BPI housing loan calculator before you commit.
BPI Family Savings Bank's typical approval timeline is around 52 days from the time a complete application is submitted. Preparing your documents thoroughly upfront — including proof of income, property documents, and valid IDs — is the most effective way to avoid delays. Nook's specialists help borrowers organise their submissions to move through approval as smoothly as possible.
No — Nook's mortgage broker service is completely free for borrowers. You get access to BPI's promo rates, personalised loan comparisons across multiple banks, and hands-on application support at zero cost to you. Nook is compensated by the banks, not by applicants, so there's no reason not to use the service.
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