EastWest Bank is offering some of the most competitive housing loan rates in the Philippines right now — starting at 5.99% p.a. fixed for 1 year. Apply through Nook for free and see if you qualify in minutes.
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Why this matters
EastWest Bank's 2026 housing loan promo lineup gives Filipino homeowners and homebuyers a rare window to lock in low fixed rates before the market shifts. With a 1-year fixed rate of 5.99% p.a., a 3-year fixed rate of 6.25% p.a., and a 5-year fixed rate of 6.49% p.a., EastWest is pricing aggressively against larger banks like BDO and BPI — making it a strong option whether you're buying your first home, refinancing an existing loan, or tapping your home's equity. Approval typically takes around 19 days, and the minimum qualifying income starts at just ₱40,000 per month, making these promos accessible to a wide range of borrowers including salaried employees, BPO workers, OFWs, and self-employed professionals. If you want to understand exactly what documents you'll need, check out our guide on EastWest Bank housing loan requirements for 2026.
What makes these promo rates especially valuable is how much they can reduce your monthly amortisation compared to what many homeowners are currently paying. Borrowers who took out loans several years ago at rates of 8% to 10% could be leaving thousands of pesos on the table every single month. Refinancing to EastWest Bank's current promo rates through Nook is completely free — Nook is compensated by the bank, never the borrower — and the process is handled end-to-end digitally, so you don't need to visit a branch or navigate piles of paperwork on your own. To see how your numbers work out before you apply, try the EastWest Bank housing loan calculator to estimate your new monthly payment instantly.
EastWest Bank supports a broad range of loan purposes under these promo rates: refinancing, home equity, ready-for-occupancy (RFO) properties, pre-selling units, reselling, new construction, and renovation. The maximum debt-to-income ratio allowed is 40%, which is standard across most Philippine banks. Whether you're looking to reduce your monthly burden, fund a renovation, or consolidate an existing mortgage at a better rate, EastWest's 2026 housing loan promo deserves serious consideration. 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's 2026 housing loan promo rates start at 5.99% p.a. for a 1-year fixed term, 6.25% p.a. for 3-year fixed, and 6.49% p.a. for 5-year fixed. A 7-year fixed option is also available at 7.00% p.a., and the Home Equity product carries a rate of 6.25% p.a. These rates are subject to change, so it's worth confirming the latest figures through Nook or directly with EastWest Bank before applying.
To qualify, borrowers generally need a minimum monthly income of ₱40,000 and a debt-to-income ratio (DTI) of no more than 40%. EastWest Bank accepts applicants from a wide range of employment categories including private employees, government workers, BPO professionals, OFWs and seafarers, self-employed individuals, and licensed professionals. Specific documentary requirements vary by employment type, so it helps to prepare your income documents before applying.
Yes — refinancing is one of the core loan purposes covered under EastWest Bank's housing loan promos. If you're currently paying a higher rate with BDO, BPI, Metrobank, or another bank, switching to EastWest through Nook could significantly reduce your monthly amortisation. Nook handles the entire refinancing process for free, acting as your broker and liaising with EastWest on your behalf.
EastWest Bank's typical approval timeline is around 19 days from the time a complete application is submitted. Applying through Nook can help speed things up because Nook's team reviews your documents before submission and ensures nothing is missing — reducing the chance of back-and-forth delays. The entire application process is handled online, so there's no need to visit a branch.
There is no catch — Nook's service is genuinely 100% free to borrowers. Nook earns a referral fee from the bank when your loan is successfully processed, similar to how insurance brokers operate. You get expert guidance, document support, and access to multiple bank comparisons at no cost to you, and the loan terms you receive are the same as applying directly with EastWest Bank.
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