EastWest Bank is offering fixed rates starting at 5.99% p.a. on housing loans in 2026 — but promo terms are limited. Nook helps you lock in the best deal for free.
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Why this matters
EastWest Bank is one of the most competitive housing loan lenders in the Philippines right now, offering fixed rates as low as 5.99% p.a. on a 1-year fixed term, 6.25% on a 3-year fix, and 6.49% on a 5-year fix — among the sharpest rates available in the market today. Their 2026 promo packages are particularly attractive for borrowers looking to purchase a ready-for-occupancy property, refinance an existing loan, or tap into their home equity for renovations or other major expenses. If your current bank is charging you 8% or more, the difference in monthly payments can be significant — and the savings compound dramatically over a 15- to 20-year loan term. Use Nook's EastWest Bank housing loan calculator to see exactly what your new monthly payment could look like.
What makes EastWest Bank stand out beyond the rate is their accessibility. They accept borrowers with a minimum monthly income of just ₱40,000 — covering employed professionals, BPO workers, government employees, OFWs, seafarers, and the self-employed. Typical loan approval takes around 19 days, and their maximum debt-to-income ratio of 40% is generous enough for most working Filipinos to qualify. Loan purposes supported include refinancing, home equity, new construction, pre-selling, RFO, renovation, and resale properties. For a full breakdown of who qualifies and what documents you'll need, check out EastWest Bank housing loan requirements for 2026.
Nook is the Philippines' first digital mortgage broker, and our service is completely free to borrowers. We compare EastWest Bank's promo rates alongside offers from other leading banks so you don't have to approach each lender individually. We handle the paperwork, follow up with the bank on your behalf, and make sure you're matched to the best available product for your situation. Whether you're buying your first home or refinancing to cut your monthly payments, Nook gets you to a lower rate faster — and at zero cost to you. Interest rates are subject to change; contact Nook to verify the latest available promos.
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 lowest promo rate as of 2026 is 5.99% p.a. on a 1-year fixed term. Rates step up to 6.25% for a 3-year fix and 6.49% for a 5-year fix, giving borrowers flexibility depending on how long they want rate certainty. Note that interest rates are subject to change — check with Nook or EastWest Bank directly to confirm the latest figures.
EastWest Bank accepts a wide range of borrower types including private employees, government workers, BPO professionals, OFWs and seafarers, the self-employed, 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. As long as you meet these thresholds, you're likely eligible to apply.
EastWest Bank's housing loan promos cover a broad range of purposes: refinancing an existing home loan, home equity loans, purchase of RFO and pre-selling properties, resale homes, new construction, and renovation financing. This makes it one of the more versatile lenders in the market, whether you're buying, building, or restructuring your current loan.
EastWest Bank typically processes and approves housing loan applications within approximately 19 days from submission of complete documents. Working through Nook can help streamline this process since our team prepares and reviews your documents before submission, reducing the chance of delays caused by incomplete or incorrect paperwork.
No — Nook's mortgage brokering service is completely free for borrowers. You pay the same loan fees you would pay applying directly to EastWest Bank, but you get the added benefit of having Nook compare rates across multiple banks, manage your application, and advocate for the best available terms on your behalf. There are no hidden charges or broker fees added to your loan.
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