EastWest Bank offers housing loan rates starting at 5.99% p.a. — if you're currently paying 8% or more, refinancing through Nook could save you thousands every month at zero cost to you.
YOUR POTENTIAL SAVINGS
No commitment. No credit check. Just your numbers.
Why this matters
EastWest Bank is one of the Philippines' fastest-growing universal banks and a Nook partner lender — offering competitive housing loan rates for 2026 that are hard to beat. Their 1-year fixed rate of 5.99% p.a. is among the lowest available in the market, and they also offer longer fixed-rate options at 6.25% (3-year), 6.49% (5-year), and 7.00% (7-year), giving borrowers flexibility depending on how long they want rate certainty. With a minimum monthly income requirement of just ₱40,000 and a streamlined approval process averaging 19 days, EastWest is accessible to a wide range of Filipino borrowers — including private employees, government workers, BPO professionals, OFWs, seafarers, self-employed individuals, and licensed professionals.
If you already have a home loan with another bank — whether it's BDO, BPI, Metrobank, Security Bank, or any other lender — and you're paying an interest rate above 7%, there's a strong chance you're overpaying every single month. Refinancing to EastWest Bank through Nook means you can lock in a lower rate without the hassle of negotiating directly with the bank, and without paying any broker fees. Nook handles the comparison, paperwork coordination, and bank liaison on your behalf, completely free. You can use our EastWest Bank housing loan calculator to model your exact monthly payments before committing to anything.
Beyond refinancing, EastWest Bank's housing loan program covers a broad range of loan purposes — including home equity, new construction, pre-selling, ready-for-occupancy (RFO) units, renovation, and reselling. This makes them a versatile choice whether you're refinancing an existing loan or financing a new property purchase. For a full breakdown of eligibility criteria and what documents you'll need to prepare, visit our EastWest Bank housing loan requirements guide. Note that all interest rates are subject to change — always 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 housing loan rates for 2026 start at 5.99% p.a. for a 1-year fixed term, with 3-year fixed at 6.25%, 5-year fixed at 6.49%, and 7-year fixed at 7.00%. A home equity loan option is also available at 6.25%. Rates are subject to change, so it's best to confirm the latest figures through Nook or directly with EastWest Bank.
EastWest Bank accepts applications from a wide range of employment types, including private employees, government workers, BPO professionals, OFWs, seafarers, self-employed individuals, and licensed professionals. You'll need a minimum monthly income of ₱40,000 and must meet their standard debt-to-income ratio requirement of no more than 40%. Age, citizenship, and property requirements also apply.
EastWest Bank's typical approval timeline is around 19 days from submission of complete documents — which is faster than many other major banks in the Philippines. Having your documents in order from the start significantly reduces delays. Nook helps you prepare and organize your application to avoid common bottlenecks.
Yes — refinancing your current home loan to EastWest Bank is one of the most popular services Nook offers. If you're paying 7% or higher with your current bank, switching to EastWest's 5.99% rate could meaningfully reduce your monthly payments. Nook's service is 100% free to you as the borrower, and we handle the entire process from comparison to application.
EastWest Bank's housing loan is versatile — it covers refinancing, home equity, new construction, pre-selling, ready-for-occupancy (RFO) properties, renovation, and reselling. This means whether you're looking to unlock equity from your existing property, fund a renovation, or purchase a new home, EastWest Bank likely has a product that fits your situation.
Check your exact savings in 60 seconds. It's free and takes no commitment.
Check My Savings Now →