Security Bank offers some of the most competitive home loan rates in the Philippines — starting at 6.75% p.a. fixed for 5 years. If your current rate is above 7%, refinancing through Nook could save you tens of thousands every year.
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Why this matters
Security Bank is one of the Philippines' most trusted commercial banks — and one of Nook's key partner banks for home loan refinancing. Their 2026 fixed-rate home loan products offer genuine stability: a 1-year fixed rate of 6.99% p.a. and a 5-year fixed rate of 6.75% p.a., both competitive benchmarks in the current market. For homeowners who took out loans at 8%, 9%, or even 10%, the difference in monthly payments can be significant. On a ₱3,000,000 loan with 20 years remaining, moving from 8.50% to 6.75% reduces your monthly amortisation by over ₱3,000 — that's real money back in your pocket every single month.
Security Bank's home loan program accepts a wide range of borrower types — including private employees, government workers, BPO staff, OFWs, seafarers, self-employed professionals, and freelancers. The minimum qualifying monthly income is ₱50,000, and approval typically takes around 23 days. Whether you're refinancing an existing loan, funding a renovation, or unlocking equity from your home, Security Bank has a loan purpose that fits. You can explore the full breakdown of Security Bank housing loan rates and requirements to understand exactly what you'll need before you apply.
Applying through Nook is completely free. As a digital mortgage broker, Nook compares Security Bank's rates against other leading Philippine banks — so you know you're getting the best deal available to you, not just the first rate you're offered. There are no broker fees, no hidden charges, and no obligation to proceed. If you're already considering refinancing, read our detailed guide on Security Bank home loan refinancing in 2026 to see how the process works from application to approval. Note that all interest rates quoted are subject to change — always verify current rates directly with the bank or through Nook before making a financial decision.
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, Security Bank offers a 1-year fixed rate of 6.99% p.a. and a 5-year fixed rate of 6.75% p.a. for eligible borrowers. A Home Equity loan rate of 7.50% p.a. is also available. These rates are subject to change, so it's best to confirm current offers through Nook or directly with Security Bank.
Security Bank accepts applications from a broad range of employment types, including private and government employees, BPO workers, OFWs, seafarers, self-employed individuals, professionals, and freelancers. The minimum qualifying monthly income is ₱50,000, and your total debt obligations should not exceed 40% of your gross monthly income.
Security Bank typically processes and approves home loan applications within approximately 23 days, which is among the faster turnaround times in the Philippine banking industry. Having complete documents ready at submission can help avoid delays in processing.
The 5-year fixed rate of 6.75% p.a. is slightly lower than the 1-year fixed rate of 6.99% p.a., and offers more payment stability over a longer period — which many homeowners prefer for budgeting certainty. However, if you expect interest rates to fall significantly or plan to sell or refinance again within a few years, the 1-year option gives you more flexibility to reprice sooner.
When you apply through Nook, you get access to Security Bank's rates alongside competing offers from other partner banks — all in one place and at no cost to you. Nook's service is 100% free to borrowers; the bank pays the broker fee. Going directly to one bank means you only see that bank's rates, whereas Nook helps ensure you're choosing the best available option for your specific loan profile.
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