EastWest Bank offers some of the most competitive home loan rates in the Philippines — starting at 5.99% p.a. (1-year fixed). If you're paying more than that right now, Nook can help you refinance for free.
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Why this matters
EastWest Bank is one of the Philippines' most borrower-friendly lenders, offering a full range of fixed-rate home loan options for 2026. Their rates start at just 5.99% p.a. for a 1-year fixed period, stepping up to 6.25% for 3 years, 6.49% for 5 years, and 7.00% for 7 years — giving you the flexibility to lock in a rate that matches your financial comfort level. Whether you're purchasing a ready-for-occupancy unit, refinancing an existing loan, doing a renovation, or tapping into your home's equity, EastWest Bank has a loan purpose that fits. To understand exactly who qualifies for an EastWest Bank housing loan, including income and employment requirements, it's worth reviewing their eligibility criteria before you apply.
For most Filipino homeowners currently paying between 7% and 10% on their existing home loan, refinancing to EastWest Bank through Nook can mean significant monthly relief. EastWest Bank accepts borrowers across a wide range of employment types — private employees, government workers, BPO professionals, OFWs, seafarers, self-employed individuals, and licensed professionals. The minimum monthly income requirement is ₱40,000, and their maximum debt-to-income ratio of 40% is in line with industry standards. Typical approval takes around 19 days, which is faster than many competing banks. If you want a head start on your paperwork, you can also download and fill out the EastWest Bank home loan application form ahead of time.
Applying through Nook is completely free for borrowers. As the Philippines' first digital mortgage broker, Nook compares offers across multiple partner banks — including EastWest Bank — and helps you find the lowest rate you qualify for without the legwork of approaching each bank individually. There are no broker fees, no hidden charges, and no obligation. You simply share your loan details, and Nook does the comparison for you. Please note that interest rates are subject to change; always verify the latest rates directly with EastWest Bank or through Nook 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
EastWest Bank's 2026 home loan rates start at 5.99% p.a. for a 1-year fixed period, 6.25% for 3 years, 6.49% for 5 years, and 7.00% for 7 years. These rates apply to both new purchases and refinancing, and are among the most competitive currently available through Nook's partner network. Rates are subject to change, so it's best to confirm current pricing when you apply.
Yes — refinancing is one of EastWest Bank's supported loan purposes, and it's one of the most common reasons Filipino homeowners apply through Nook. If your current home loan rate is above 6%, refinancing to EastWest Bank's 5.99% 1-year fixed rate could reduce your monthly payment significantly. Nook will calculate your exact potential savings for free before you commit to anything.
EastWest Bank accepts applications from a wide range of employment types, including private employees, government workers, BPO staff, OFWs, seafarers, self-employed individuals, and licensed professionals. The minimum monthly income requirement is ₱40,000, and your total monthly debt obligations should not exceed 40% of your gross monthly income. For a full breakdown of documentary and eligibility requirements, see the EastWest Bank housing loan requirements checklist.
EastWest Bank's typical loan approval timeline is around 19 days from submission of complete documents — faster than many other Philippine banks. The key to a smooth process is submitting accurate and complete paperwork from the start. Nook guides you through exactly what's needed so your application doesn't get delayed by missing documents.
Yes, Nook's mortgage brokering service is 100% free for borrowers — there are no broker fees, application fees, or hidden charges on your end. Nook earns a referral fee from the bank only when your loan is successfully released, so there's no cost to you for comparing rates or submitting your application. It's the easiest way to shop multiple Philippine banks at once without doing the legwork yourself.
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