Security Bank offers some of the most competitive home loan rates in the Philippines — starting at 6.75% p.a. for a 5-year fixed term. Apply through Nook for free and get a decision in as fast as 23 days.
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Why this matters
Security Bank is one of the Philippines' most trusted universal banks — and one of Nook's verified partner lenders. Their home loan product stands out for its flexible fixing periods, accessible income requirements (minimum monthly income of just ₱50,000), and approval timelines that are among the fastest in the industry at around 23 days. Whether you're purchasing a ready-for-occupancy unit, refinancing an existing loan, or tapping your home equity, Security Bank has a loan purpose to match. You can review the full breakdown of Security Bank's housing loan interest rates and requirements to understand what fits your situation best.
For homeowners already carrying a home loan at 8%, 9%, or higher, refinancing to Security Bank's 5-year fixed rate of 6.75% p.a. could mean saving tens of thousands of pesos every year. On a ₱3,000,000 loan with 20 years remaining, that difference compounds significantly — potentially over ₱800,000 in total interest savings over the life of your loan. The key is acting before your current bank's re-pricing locks you into another high rate cycle. If you're exploring whether refinancing makes sense, our guide on Security Bank home loan refinancing in 2026 walks through the full process, costs, and what to expect.
Applying through Nook is completely free for borrowers. As the Philippines' first digital mortgage broker, Nook handles your application end-to-end — comparing options, preparing documents, and liaising with Security Bank on your behalf. There are no broker fees, no hidden charges, and no obligation. You simply get access to Security Bank's competitive rates with expert guidance at no cost to you. Please note that interest rates are subject to change; always verify current rates directly with Security Bank or through your Nook advisor before finalising your application.
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, and 7.50% p.a. for home equity loans. These rates are among the most competitive available from a major Philippine bank in 2026, though they are subject to change — confirm the latest rates with Nook or Security Bank directly before applying.
Security Bank accepts applications from a wide range of employment types including private and government employees, BPO workers, OFWs and seafarers, self-employed professionals, and freelancers. The minimum qualifying monthly income is ₱50,000, and your total debt-to-income ratio must not exceed 40%. Filipino citizens and qualifying foreign nationals with Philippine property may apply.
Security Bank's typical approval timeline is around 23 days from the submission of complete documents — one of the faster turnaround times among major Philippine banks. Delays usually occur when documentation is incomplete, so having your requirements prepared in advance will help keep your application on track. Nook's advisors can guide you through exactly what to prepare.
Yes, refinancing is one of the supported loan purposes at Security Bank, and it's one of the most common reasons borrowers apply through Nook. If your current rate is above 7.5%, refinancing to Security Bank's 5-year fixed rate of 6.75% could generate meaningful monthly savings. You can learn more in our detailed guide on Security Bank housing loan interest rates in the Philippines.
No — Nook's service is 100% free for borrowers. Nook is a digital mortgage broker, which means it earns from the lending side, not from you. You get access to Security Bank's rates, full application support, and expert advice at absolutely no cost. There are no broker fees, no processing charges from Nook, and no obligation to proceed after your free consultation.
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