BPI's 2026 housing loan promos include competitive fixed rates starting at 6.50% p.a. — and through Nook, you can apply for free and get matched to the best deal available.
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Why this matters
BPI is one of the Philippines' most established home loan lenders, and their 2026 housing loan lineup includes some of the most competitive rates in the market. Through Nook, BPI Family Savings Bank offers a 1-year fixed rate of 6.70% p.a. and a 5-year fixed rate of 6.50% p.a. — well below what most Filipino homeowners are currently paying on older loan packages. Whether you're buying a new property, refinancing an existing home loan, or tapping into your home equity, BPI has a loan purpose to match. Check out our BPI home loan interest rates 2026 guide for a full breakdown of what's on offer this year.
The BPI Starter Bundle is designed for first-time borrowers and those looking to get into homeownership with a lower barrier to entry. With a minimum monthly income requirement of just P40,000 and approval timelines averaging around 52 days, BPI makes it accessible for salaried employees in the private sector, government workers, BPO professionals, OFWs, seafarers, and even self-employed individuals. The bank accepts loan purposes ranging from ready-for-occupancy (RFO) units and pre-selling properties to refinancing, renovation, and home equity loans — making it one of the most flexible lenders available today.
Applying through Nook means you get a licensed mortgage broker working on your behalf at zero cost to you. Nook compares BPI's promo rates against the broader market, helps you prepare your documents, and submits your application correctly the first time — reducing the risk of delays or rejection. If you want to understand what documents you'll need before applying, our BPI housing loan requirements guide has everything laid out in a clear checklist. Note that interest rates are subject to change — always verify current promo rates directly with BPI or through a Nook advisor before making a financial decision.
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
Through Nook, 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. These are among the most competitive rates available in the Philippine market right now. Rates are subject to change, so it's best to apply soon or speak with a Nook advisor to lock in the latest promo.
The BPI Starter Bundle is a home loan package aimed at first-time buyers and borrowers who want a straightforward entry into homeownership. It's suited to salaried employees, OFWs, self-employed professionals, and government workers who meet the minimum monthly income requirement of P40,000. The bundle typically offers simplified documentation and competitive introductory rates.
BPI Family Savings Bank typically processes home loan applications in around 52 days from complete document submission. Applying through Nook can help speed things up because Nook's advisors review your documents before submission to avoid back-and-forth delays. A well-prepared application is the single biggest factor in faster approval.
Yes — refinancing is one of the eligible loan purposes under BPI's 2026 housing loan lineup. If you're currently paying 8% or higher on your existing loan, switching to BPI's 6.50% 5-year fixed rate could save you thousands of pesos every month. Use our BPI housing loan calculator to estimate your potential savings before you apply.
Yes, Nook's service is completely free for borrowers. Nook earns a referral fee from the bank only when your loan is successfully approved — so there's no upfront cost, no application fee, and no hidden charges on your end. You get the benefit of a licensed mortgage broker helping you navigate the process at no extra cost.
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