EastWest Bank's housing loan rates start at 5.99% p.a. — if you're currently paying 8% or more, you could be saving thousands every month by refinancing through Nook for free.
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Why this matters
EastWest Bank is one of the Philippines' most competitive home loan providers, offering fixed-rate housing loans starting at just 5.99% p.a. for a 1-year fixed term — one of the lowest rates available in the market today. Whether you're purchasing a ready-for-occupancy property, refinancing an existing loan, or tapping your home's equity, EastWest has a loan product designed for your situation. Their rates extend to 6.25% for 3-year fixed, 6.49% for 5-year fixed, and 7.00% for a 7-year fixed period, giving borrowers flexible options depending on how much rate certainty they want. Nook is a verified partner of EastWest Bank, which means when you apply through Nook, you get access to these rates with zero broker fees — and guided support throughout the entire process.
Many Filipino homeowners who took out their housing loans between 2018 and 2022 are locked into rates of 8% to 10% or higher, often without realising how much they're overpaying every month. On a ₱3,000,000 loan with 20 years remaining, the difference between an 8.50% rate and EastWest's 5.99% rate amounts to thousands of pesos in monthly savings — money that could go toward your child's education, emergency fund, or simply a better quality of life. If you're curious how EastWest stacks up against other lenders, you can explore our detailed EastWest Bank vs Chinabank home loan rate comparison or check the EastWest Bank vs Landbank housing loan rates breakdown to see which bank offers you the best deal.
EastWest Bank accepts borrowers from a wide range of employment backgrounds — including private employees, government workers, BPO professionals, OFWs, seafarers, self-employed individuals, and licensed professionals — with a minimum monthly income requirement of ₱40,000. Their typical loan approval timeline is around 19 days, making them one of the faster-processing banks in the Philippine housing loan market. Through Nook, the entire application is handled digitally, so you won't need to line up at a branch or figure out the paperwork on your own. Please note that interest rates are subject to change — we recommend verifying current rates directly with EastWest 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
EastWest Bank currently offers housing loan rates starting at 5.99% p.a. for a 1-year fixed term, 6.25% for 3-year fixed, 6.49% for 5-year fixed, and 7.00% for a 7-year fixed period. These are among the most competitive rates available from a Philippine commercial bank in 2026. Rates are subject to change, so it's best to check the latest figures through Nook or directly with EastWest Bank.
Yes, refinancing is one of the loan purposes explicitly supported by EastWest Bank's housing loan program. If you're currently paying a higher rate with another bank, refinancing to EastWest through Nook could significantly reduce your monthly amortisation. Nook handles the comparison and application process for free, so there's no cost to explore your options.
EastWest Bank accepts applicants from a broad 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 debt obligations should not exceed 40% of your gross monthly income. Both Filipino citizens and qualified overseas workers are eligible to apply.
EastWest Bank's typical loan approval timeline is approximately 19 days, which is faster than many other Philippine banks. When you apply through Nook, the process is fully digital — you submit your documents online and Nook coordinates directly with the bank on your behalf. This reduces back-and-forth and helps avoid common delays caused by incomplete submissions.
Yes, Nook's service is completely free for borrowers. As a verified partner of EastWest Bank, Nook earns a referral fee from the bank — not from you — so you receive full broker support at no cost. You still get access to the same competitive rates, but with the added benefit of having a dedicated team help you compare options, prepare documents, and track your application from start to finish.
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