Security Bank offers some of the most competitive home loan rates in the Philippines — starting at 6.75% fixed for 5 years. Apply through Nook for free and let us handle the paperwork.
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Why this matters
Security Bank is one of the Philippines' most trusted universal banks and a Nook partner lender — meaning you can apply for a Security Bank home loan through Nook completely free of charge. Their home loan product covers a wide range of purposes including refinancing, ready-for-occupancy purchases, pre-selling, new construction, renovation, and home equity. With a 1-year fixed rate of 6.99% and a 5-year fixed rate of 6.75%, Security Bank sits among the most competitive offerings available in 2026. If you're curious how these stack up against other lenders, see our full Security Bank interest rates guide.
Qualifying for a Security Bank home loan is more accessible than many borrowers expect. The minimum monthly income requirement is P50,000, and Security Bank accepts a broad range of employment types — including private employees, government workers, BPO professionals, OFWs, seafarers, self-employed individuals, and freelancers. The maximum debt-to-income ratio is 40%, and typical loan approval takes around 23 days. If you're refinancing an existing home loan from another bank, Security Bank's refinancing programme can significantly reduce your monthly obligations — especially if your current rate is above 8% or 9%.
Applying through Nook gives you a meaningful advantage: our mortgage specialists compare Security Bank's rates against the full market so you always know you're getting the best available deal. We manage your application, coordinate with the bank, and keep you updated at every step — at zero cost to you. Whether you're a first-time buyer or looking to refinance your existing loan with Security Bank, Nook simplifies the entire process. Interest rates are subject to change; we recommend verifying current rates with the bank or through Nook before proceeding.
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
Security Bank currently offers a 1-year fixed rate of 6.99% p.a. and a 5-year fixed rate of 6.75% p.a. for standard home loans. A home equity rate of 7.50% p.a. also applies for equity-based loan purposes. These rates are among the most competitive available in the Philippine market in 2026, though rates are subject to change — confirm the latest figures through Nook or directly with Security Bank.
Security Bank requires a minimum monthly income of P50,000 and a debt-to-income ratio of no more than 40%. They accept a wide range of borrower types including private employees, government workers, BPO professionals, OFWs, seafarers, self-employed individuals, freelancers, and licensed professionals. Age, credit history, and property type also factor into the final assessment.
Security Bank's typical approval timeline is around 23 days from submission of complete documents. Applying through Nook can help speed things up because our specialists ensure your application is complete and correctly prepared before submission. Incomplete applications are one of the most common causes of delays.
Yes — Security Bank accepts refinancing applications from borrowers with existing home loans at other banks. If you're currently paying a rate above 8% or 9%, refinancing to Security Bank's 5-year fixed rate of 6.75% could reduce your monthly payment significantly. Nook can calculate your exact savings and handle the refinancing application for you at no cost. For a detailed walkthrough, see our Security Bank requirements guide.
No — Nook's service is 100% free to borrowers. We are compensated by the bank upon successful loan disbursement, not by charging applicants. You get access to Nook's full comparison service, expert guidance, and application support without paying anything out of pocket.
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