EastWest Bank offers home loan rates starting at 5.99% p.a. — find out how much you could save every month by refinancing through Nook, completely free.
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Why this matters
EastWest Bank is one of the Philippines' most competitive home loan lenders in 2026, offering fixed-rate periods of 1, 3, 5, and 7 years with rates starting as low as 5.99% p.a. for the 1-year fixed term. Whether you're buying a new home, refinancing an existing loan, or tapping your home equity for renovations, EastWest Bank has a loan purpose and repayment structure to fit your needs. Approval typically takes around 19 days, and borrowers with a minimum monthly income of ₱40,000 may qualify — making it accessible to a wide range of employed professionals, OFWs, BPO workers, and self-employed individuals.
If you're currently paying a rate of 8% or higher on your existing home loan, refinancing to EastWest Bank could cut your monthly amortization significantly. On a ₱3,000,000 loan balance with 20 years remaining, moving from 8.50% down to 5.99% could reduce your monthly payment by nearly ₱4,000 — that's real money back in your pocket every month. Over the life of the loan, the total interest savings can reach hundreds of thousands of pesos. Nook makes it easy to compare EastWest Bank's fixed-rate options side by side, so you choose the term that best balances your monthly cashflow and long-term cost. You can also explore how EastWest Bank compares to Chinabank's home loan rates to ensure you're getting the best deal available.
Applying through Nook is 100% free — Nook is paid by the bank, not by you. Our licensed mortgage specialists will guide you through the entire process, from document preparation to bank submission, so you don't have to navigate it alone. Whether you're refinancing for a lower rate, accessing home equity, or financing a new purchase, Nook connects you directly to EastWest Bank's loan team without any broker fees. If you'd like to see how EastWest Bank stacks up against government-backed financing, check out our EastWest Bank vs Landbank housing loan comparison for a full breakdown. Note that all interest rates are subject to change — always verify the latest rates with your lender before making a 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 currently offers fixed home loan rates starting at 5.99% p.a. for a 1-year fixed term, 6.25% for 3 years, 6.49% for 5 years, and 7.00% for a 7-year fixed period. A Home Equity loan is also available at 6.25%. These rates are subject to change, so it's best to confirm the latest figures directly through Nook or EastWest Bank before applying.
EastWest Bank accepts applications from a wide range of borrowers, including private and government employees, BPO workers, OFWs and seafarers, self-employed individuals, and licensed professionals. The minimum qualifying monthly income is ₱40,000, and your total debt obligations should not exceed 40% of your gross monthly income. Nook can help you assess your eligibility before you formally apply.
EastWest Bank's typical loan approval timeline is around 19 business days from the date of complete document submission. Working with Nook can help speed this up, as our specialists ensure your documents are complete and correctly prepared before submission. This reduces back-and-forth with the bank and helps avoid unnecessary delays.
EastWest Bank covers a broad range of loan purposes including purchase of ready-for-occupancy (RFO) and pre-selling properties, refinancing of existing home loans, home equity (cash-out), renovation financing, new construction, and acquisition of foreclosed properties. This makes EastWest Bank a versatile option whether you're a first-time buyer or an existing homeowner looking to restructure your loan.
Yes — Nook's service is completely free to borrowers. Nook is compensated directly by EastWest Bank upon successful loan disbursement, so you pay nothing for the broker assistance, rate comparison, or application support. You get the same bank rates you would applying directly, plus the added benefit of expert guidance and multi-bank comparison at no cost to you.
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