Comparing Maya Bank vs EastWest Bank home loan rates? EastWest Bank is a Nook partner offering rates from 5.99% p.a. — and you can apply through Nook for free.
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Why this matters
If you're searching for a home loan or refinancing deal and weighing up Maya Bank against EastWest Bank, you're asking the right questions. Maya Bank has made waves in the Philippine digital banking space, but when it comes to home loans — particularly refinancing — EastWest Bank offers a more established and competitive product. As a Nook partner bank, EastWest Bank currently offers 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. For most Filipino homeowners currently paying 8% or more, the savings can be substantial. You can explore EastWest Bank's full housing loan rates and requirements for 2026 to see exactly what you'd qualify for.
Nook is the Philippines' first digital mortgage broker, and our service is completely free to borrowers. We work with multiple partner banks — including EastWest Bank — to find you the most competitive rate based on your income, property type, and loan amount. EastWest Bank accepts a wide range of employment types including private employees, government workers, BPO staff, OFWs, seafarers, self-employed individuals, and professionals. Their minimum monthly income requirement is 40,000 pesos and typical approval takes around 19 days. If you want to crunch the numbers before you apply, try the EastWest Bank housing loan calculator to estimate your monthly payments.
Whether you're refinancing an existing home loan or purchasing a new property — ready for occupancy, pre-selling, or even foreclosed — EastWest Bank has loan purposes to match. Switching from a higher-rate loan to EastWest Bank's 5.99% p.a. offering through Nook could save you tens of thousands of pesos every year, with zero broker fees. Please note that interest rates are subject to change; always verify current rates directly with the bank or through a Nook advisor before making financial decisions.
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
As of 2026, Maya Bank primarily focuses on digital savings, lending, and payment products rather than traditional home mortgage products. For a dedicated home loan or refinancing solution, established mortgage lenders like EastWest Bank — accessible through Nook at no cost to you — are a stronger choice with competitive fixed rates and faster approval timelines.
EastWest Bank currently offers a 1-year fixed rate of 5.99% p.a., which is among the most competitive rates available in the Philippine market today. Longer fixed periods are also available: 6.25% for 3 years and 6.49% for 5 years. These rates are subject to change, so it's best to confirm the latest figures through Nook or directly with EastWest Bank.
Applying through Nook is straightforward and completely free — Nook is compensated by the bank, not by you. You submit your details once, and Nook's advisors match you with the best available rates from partner banks including EastWest Bank. Typical approval for EastWest Bank applications facilitated through Nook takes around 19 days.
EastWest Bank accepts borrowers from a wide range of employment categories including private employees, government workers, BPO professionals, OFWs, seafarers, self-employed individuals, and licensed professionals. The minimum monthly income requirement is 40,000 pesos, and the maximum debt-to-income ratio is 40%. Nook can help you assess your eligibility before you formally apply.
On a 3,000,000 peso loan over 20 years, switching from a typical rate of 8.50% to EastWest Bank's 5.99% p.a. could reduce your monthly payment by nearly 4,000 pesos — adding up to over 700,000 pesos in total interest savings across the life of the loan. Use Nook's free service to get a personalised calculation based on your actual loan balance and remaining term.
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