EastWest Bank is offering some of the most competitive housing loan rates in the Philippines right now — starting at 5.99% p.a. on a 1-year fixed term. Apply through Nook for free and skip the branch queues.
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Why this matters
EastWest Bank's 2026 housing loan promo rates are turning heads for good reason. With a 1-year fixed rate of 5.99% p.a., a 3-year fixed at 6.25%, and a 5-year fixed at 6.49%, EastWest is consistently among the most affordable home financing options in the Philippine market. Whether you're purchasing a ready-for-occupancy unit, refinancing an existing loan, or tapping your home's equity for renovation funds, these promo rates apply across a wide range of loan purposes — making them one of the most versatile offers available today. To understand the full picture of what EastWest offers, see our EastWest Bank housing loan guide covering rates, requirements, and calculator tools.
What makes the EastWest promo especially attractive for homeowners is the accessibility of its qualifying criteria. The minimum monthly income requirement is ₱40,000, and EastWest accepts borrowers across a broad range of employment types — including private employees, government workers, BPO professionals, OFWs, seafarers, self-employed individuals, and licensed professionals. The maximum debt-to-income ratio is 40%, and typical loan approval takes around 19 business days — faster than many competing banks. If you're unsure whether you qualify, our EastWest Bank housing loan eligibility guide walks through every requirement in detail.
Applying through Nook means you get access to EastWest's promo rates — and other competitive offers from across the Philippine banking market — without paying a single peso in broker fees. Nook's service is 100% free to borrowers. Our mortgage specialists handle the comparison, paperwork coordination, and lender communication on your behalf, so you can focus on what matters: locking in the best rate before the promo period ends. Note that all rates listed are subject to change; please verify current rates with Nook or EastWest Bank directly before applying.
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 current promo rates start at 5.99% p.a. for a 1-year fixed term, 6.25% for a 3-year fixed, and 6.49% for a 5-year fixed. These rates are among the lowest available in the Philippine housing loan market right now and apply to loan purposes including refinancing, RFO purchases, pre-selling, construction, renovation, and home equity. Always verify the latest rates with Nook or EastWest directly, as rates are subject to change.
EastWest Bank's promo rates are periodically reviewed and updated, so there is no fixed end date publicly announced for most promotional offerings. The best approach is to apply as soon as you're ready, since rates can change at any time depending on market conditions. Nook monitors partner bank rates in real time and will notify you of the best available offer at the time of your application.
EastWest Bank accepts a wide range of borrower profiles, 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. For a full breakdown of documentary and eligibility requirements, check our detailed EastWest Bank housing loan requirements guide.
EastWest's 1-year fixed rate of 5.99% p.a. is highly competitive when compared to typical rates from BDO and BPI, which often range between 6.25% and 7.50% depending on the fixed period and loan amount. The right bank for you depends on your loan size, preferred fixing period, and financial profile — which is exactly why using a free broker like Nook to compare multiple offers simultaneously is the smartest move. Nook presents you with the best-matched options across all partner banks so you can make a fully informed decision.
No — Nook's mortgage brokering service is completely free for borrowers. Nook is compensated by the bank upon successful loan disbursement, meaning you pay nothing out of pocket for access to rate comparisons, application assistance, and document processing support. You get the same or better rates as applying directly, with significantly less effort on your end.
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