BPI offers fixed-rate periods starting at 6.50% p.a. — but if you're on an old loan, you could be paying far more. Refinancing through Nook is free and could save you thousands every month.
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Why this matters
BPI Family Savings Bank is one of the Philippines' most trusted home loan providers, and their 2026 rate card reflects that reputation. For new borrowers, BPI currently offers a 1-year fixed rate of 6.70% p.a. and a highly competitive 5-year fixed rate of 6.50% p.a. — making the 5-year lock-in an attractive choice for homeowners who want payment stability over the medium term. After your fixed period ends, your loan reprices to the prevailing market rate, which is why timing your refinance or repricing correctly can make a significant financial difference. If you want to understand how these rates translate into actual monthly payments, our BPI housing loan calculator guide walks through the numbers in detail.
Many Filipino homeowners who took out loans 3–7 years ago are still carrying rates of 8% to 10% or higher. If that sounds familiar, refinancing your existing loan to BPI — or using BPI's current rates as a benchmark to negotiate with your existing bank — could unlock meaningful monthly savings. BPI accepts borrowers across a wide range of employment types, including private employees, government workers, BPO professionals, OFWs, seafarers, and the self-employed, with a minimum monthly income requirement of 40,000. Typical approval takes around 52 days, and Nook's team handles the paperwork coordination so you don't have to chase the bank yourself. You can also review the full BPI housing loan requirements checklist to see exactly what documents you'll need to prepare.
When comparing BPI's housing loan rates against other banks for 2026, the 5-year fixed option at 6.50% stands out as one of the more competitive offers in the market right now. Nook works with BPI Family Savings Bank as a partner, meaning we can submit your application directly and at no cost to you — no broker fees, no hidden charges. Whether you're refinancing an existing home loan, tapping into home equity, purchasing an RFO property, or funding a renovation, BPI's loan products cover a broad range of purposes. The best rate you qualify for will depend on your income, loan-to-value ratio, and chosen fixed period, so it's worth getting a personalised comparison before you decide. Note that all interest rates are subject to change — verify the latest figures directly with BPI or through Nook 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
BPI Family Savings Bank's current rates include a 1-year fixed option at 6.70% p.a. and a 5-year fixed option at 6.50% p.a. There is also a home equity loan rate of 6.70% p.a. These rates are subject to change, so it's best to confirm the latest figures with BPI or through Nook before applying.
A fixed-rate period means your interest rate is locked in for a set number of years — typically 1, 2, 3, or 5 years — giving you predictable monthly payments during that time. Once the fixed period expires, your loan reprices to the bank's prevailing rate at that point, which could be higher or lower. Many borrowers choose to refinance again at repricing time to lock in another competitive rate.
BPI's 5-year fixed rate of 6.50% p.a. is among the more competitive offerings in the Philippine market for 2026. The exact rate you'll see from other banks will vary based on their current promotions, your loan amount, and your financial profile. Nook can help you compare live offers from multiple banks so you can make an informed side-by-side decision.
BPI Family Savings Bank accepts applications from private employees, government workers, BPO professionals, OFWs, seafarers, self-employed individuals, and professionals. The minimum monthly income requirement is 40,000, and your total debt-to-income ratio should not exceed 40%. Loan purposes include refinancing, home equity, new construction, pre-selling, RFO purchases, renovation, and reselling.
No — Nook's service is completely free for borrowers. We act as your digital mortgage broker, helping you compare rates, prepare your application, and coordinate directly with BPI Family Savings Bank on your behalf. Nook earns a referral fee from the bank, so you get full broker support at zero cost to you.
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