Home Loan EasyOwn SmartRate Deals

Promo Scope

1. The EastWest EasyOwn SmartRate Promo (“Promo”) is open to all eligible borrowers who submit a complete EastWest home loan application (“Home Loan Application”) from October 15, 2026 to December 29, 2026 (“Promo Period”).
2. To qualify, the Home Loan Application must be approved and booked on or before June 30, 2027 (“Availment Period”).
3. The Promo is applicable to Home Loan Applications received through any of the following channels:
   1. EastWest stores nationwide;
   2. EastWest-accredited developers and brokers;
   3. EastWest Home Loan website; or
   4. EastWest Home Loan email address.

Details of Promo Offer

4. Eligible borrowers may choose from the following discounted home loan rates, subject to EastWest’s evaluation:
   • 6.25% fixed for 1 year;
   • 7.00% fixed for 3 years; or
   • 7.25% fixed for 5 years.

Qualification Requirements

5. The Promo is applicable to all EastWest Home Loan products and purposes, including purchase, refinancing or home equity.
6. Minimum loan term is 15 years.
7. Minimum loan amount is Php 3,000,000.00.
8. The eligible borrower should submit all required application documents along with a completed Home Loan Application form within the Promo Period.
9. All Home Loan Applications by eligible borrowers will go through EastWest’s standard review, evaluation and approval process, once all required loan documents are submitted.
10. For pre-termination of Home Loan Applications that are approved and booked under the Promo, a pre-termination fee of 3% of the remaining outstanding balance and Php 5,000 processing fee shall be charged to the borrower.
11. At the end of the approved fixed-rate term, the home loan shall be repriced based on EastWest’s prevailing repricing rate at the time of adjustment.
12. The Promo cannot be transferred, exchanged for cash, or combined with other EastWest Home Loan promos or offers.
13. Promo rates and terms are subject to applicable eligibility requirements and the EastWest’s credit policies.
14. Any amendment to the promotional rates, mechanics, or terms and conditions during the promo period shall be subject to applicable regulatory requirements and approvals.
15. Terms and conditions indicated in the Terms and Conditions Governing EastWest Home Loan Accounts shall apply and supplement these promo mechanics. In the event of any conflict or inconsistency between these promo mechanics and the Terms and Conditions governing EastWest Home Loan Accounts, these promo mechanics shall prevail.
16. For any concern, inquiry on the Promo or concerns on the EastWest Home Loan application or Home Loan account, borrowers may email ewb-homeloans@eastwestbanker.com or visit any EastWest store.
17. In cases of dispute relating to the Promo including, but not limited to the borrower’s eligibility, the decision of EastWest with the concurrence of the Department of Trade and Industry shall be reviewed and resolved in accordance with the promo mechanics and applicable rules and regulations, without prejudice to the borrower’s right to seek further recourse under applicable laws and regulations.

Financing solutions for every stage of homeownership

Whether you're buying your dream home, purchasing a residential lot, renovating your property, refinancing an existing mortgage, or unlocking your home's value through equity, EasyOwn SmartRate can help you achieve your goals with flexible financing options. 

Here's a quick reference guide to the available loan purposes you may apply for. All loan applications remain subject to the Bank's standard review, evaluation, and approval process.

Per DTI Fair Trade Permit No. FTEB-270129 Series of 2026.

For inquiries and feedback, you may call the EastWest 24-Hour Customer Service Hotline at (+632)8888-1700, or e-mail ewb-homeloans@eastwestbanker.com.

EastWest is regulated by the Bangko Sentral ng Pilipinas (BSP) https://www.bsp.gov.ph.