BPI is offering some of the most competitive housing loan rates in the Philippines — and Nook can help you access them for free, plus compare against every major bank to make sure you get the best deal.
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Why this matters
BPI (Bank of the Philippine Islands) consistently ranks among the top housing loan providers in the country, and their 2026 promo rates make them especially worth considering. Through Nook, qualified borrowers can access BPI Family Savings Bank's 5-year fixed rate of 6.50% p.a. — one of the sharpest rates on the market right now. If you're currently paying 8%, 9%, or more on an existing home loan, refinancing to BPI could cut thousands off your monthly payment and hundreds of thousands over the life of your loan. You can use the BPI housing loan calculator to model your exact savings before you apply.
BPI's housing loan promos in 2026 cover a wide range of purposes — including refinancing, ready-for-occupancy purchases, pre-selling properties, home equity loans, renovation financing, and new construction. Minimum monthly income requirement is ₱40,000, and BPI accepts a broad range of employment types: private employees, government workers, BPO employees, OFWs and seafarers, self-employed professionals, and business owners. Typical approval takes around 52 days, and Nook's mortgage advisors will guide you through every step of the BPI housing loan requirements at zero cost to you.
As the Philippines' first digital mortgage broker, Nook doesn't just help you apply to BPI — we compare BPI's promo rates against all major banks simultaneously so you can be confident you're getting the best available deal. Our service is completely free for borrowers; we're compensated by the banks, not you. Whether you're a first-time homebuyer or an existing homeowner looking to refinance, Nook gives you access to bank-level expertise without the bank-level runaround. Note that interest rates are subject to change — verify current rates with Nook or directly with BPI before making any financial decisions.
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. — among the most competitive rates available from any major Philippine bank right now. Home equity loans are also available at 6.70% p.a. Rates are subject to change, so it's best to check current availability with Nook before you apply.
BPI accepts applicants with a minimum monthly income of ₱40,000, and they welcome a wide range of employment types including private employees, government workers, BPO staff, OFWs, seafarers, self-employed individuals, and licensed professionals. Your debt-to-income ratio must not exceed 40%, meaning your total monthly debt obligations (including the new home loan) should be no more than 40% of your gross monthly income. Check the full BPI housing loan requirements for 2026 to see exactly what documents you'll need.
BPI's typical approval timeline is around 52 days from submission of a complete application. Delays are most commonly caused by incomplete documentation, so having all your requirements ready before you apply is the best way to keep things moving. Nook's advisors will help you prepare a complete application package to avoid unnecessary back-and-forth with the bank.
Yes — refinancing is one of the primary loan purposes covered by BPI's housing loan promos. If you're currently paying a rate above 7% on a home loan with another bank or even with BPI itself, refinancing at today's promo rates could save you a significant amount each month. Nook will calculate your exact savings and handle the entire refinancing process on your behalf, completely free of charge.
Applying through Nook gives you access to the same BPI promo rates — but with the added benefit of a free expert broker who compares BPI against all other major Philippine banks to confirm you're getting the best deal available. Nook's service costs you nothing extra; we're paid by the bank, not the borrower. You also get dedicated support throughout the application process, which can make a real difference in a 52-day approval journey.
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