Security Bank offers some of the most competitive home loan rates in the Philippines — with a 5-year fixed rate of 6.75% p.a. Apply free through Nook and see how much you could save starting this year.
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Why this matters
Security Bank is one of the Philippines' most established universal banks and a Nook partner lender — meaning you can apply for a Security Bank home loan directly through Nook at absolutely no cost. For 2026, Security Bank is offering a 1-year fixed rate of 6.99% p.a. and a 5-year fixed rate of 6.75% p.a., making it one of the more attractive options for homeowners looking to refinance or purchase a new property. With a minimum monthly income requirement of just ₱50,000 and a typical approval timeline of around 23 days, Security Bank is accessible to a wide range of borrowers — including private employees, government workers, BPO professionals, OFWs, seafarers, self-employed individuals, and freelancers. For a full breakdown of eligibility criteria, see our Security Bank housing loan requirements guide.
If you're currently paying a home loan interest rate of 8%, 9%, or even higher, refinancing to Security Bank's 6.75% five-year fixed rate could translate to thousands of pesos in monthly savings. On a ₱3,000,000 loan with 20 years remaining, the difference between a 9% rate and Security Bank's 6.75% rate is approximately ₱4,238 per month — that's over ₱762,000 in total interest savings over the remaining loan term. Refinancing through Nook means you get free broker assistance throughout the entire process, from document preparation to bank submission and approval follow-up. You can learn more about the refinancing process in our Security Bank home loan refinance guide.
Security Bank supports a broad range of loan purposes beyond refinancing, including new construction, pre-selling and ready-for-occupancy (RFO) units, reselling, renovation, home equity, and foreclosed properties. The bank allows a maximum debt-to-income (DTI) ratio of 40%, which gives borrowers with moderate existing obligations a realistic path to approval. Whether you're buying your first home or restructuring an existing loan to free up monthly cash flow, Security Bank's 2026 rates are worth a serious look — and Nook makes it easy to apply without paying a single centavo in broker fees. Note that all interest rates are subject to change; please verify current rates directly with Security Bank or through Nook before making any 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
Security Bank is currently offering a 1-year fixed rate of 6.99% p.a. and a 5-year fixed rate of 6.75% p.a. for home loans. A home equity loan rate of 7.50% p.a. is also available. These rates are among the more competitive offerings in the Philippine market and are subject to change, so it's best to confirm the latest figures through Nook or directly with Security Bank.
Security Bank accepts applications from a wide range of employment types, including private and government employees, BPO workers, OFWs, seafarers, self-employed professionals, and freelancers. The minimum monthly income requirement is ₱50,000, and your total monthly debt obligations — including the new home loan — should not exceed 40% of your gross monthly income. For a complete list of documentary requirements, visit our Security Bank housing loan interest rates and requirements guide.
Security Bank typically processes and approves home loan applications within approximately 23 banking days from the date of complete document submission. This is a relatively fast turnaround compared to many other Philippine banks. Applying through Nook can help streamline the process, as our team assists you in preparing and submitting a complete application to reduce back-and-forth delays.
Yes, refinancing is one of the loan purposes explicitly supported by Security Bank. If you're currently paying a higher interest rate with BDO, BPI, Metrobank, PNB, or any other lender, you can refinance your outstanding balance with Security Bank to take advantage of their lower 2026 rates. Nook will handle the broker work for free — from comparing your options to submitting your application.
No, Nook's service is completely free for borrowers. Nook is compensated by the bank upon successful loan disbursement, so you pay nothing for access to our broker service, rate comparisons, or application assistance. You get the same Security Bank home loan rates whether you apply through Nook or directly — but with Nook, you also get expert guidance throughout the process at no extra cost.
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