Security Bank offers some of the most competitive home loan rates in the Philippines — and applying through Nook is 100% free. See how much you could save by refinancing today.
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Why this matters
Security Bank is one of the Philippines' leading universal banks and a Nook partner lender — meaning you can apply for a Security Bank home loan directly through Nook at zero cost to you. For 2026, Security Bank's fixed home loan rates start at 6.99% p.a. for a 1-year fixed period, stepping up to 7.25% for 3-year fixed and 7.75% for 5-year fixed. If you're currently paying 8%, 9%, or even 10% on your existing home loan, refinancing to Security Bank through Nook could cut thousands off your monthly payment. For a complete breakdown of what Security Bank requires from applicants, see our Security Bank housing loan requirements guide.
Security Bank accepts a wide range of borrower profiles — including private employees, government workers, BPO staff, OFWs, seafarers, self-employed professionals, and freelancers. The minimum qualifying monthly income is 50,000 pesos, and approvals typically take around 23 business days. The maximum debt-to-income ratio allowed is 40%, which means your total monthly loan obligations — including your new home loan payment — should not exceed 40% of your gross monthly income. This makes Security Bank accessible to a broad range of Filipino homeowners looking to lower their mortgage costs.
Refinancing your home loan is one of the smartest financial moves you can make if your current rate is significantly above what's available today. The savings card above shows a real example: a homeowner with a 3,000,000-peso loan balance paying 9% could potentially reduce their monthly payment by over 4,000 pesos by switching to Security Bank's 6.99% rate — that's nearly 50,000 pesos saved per year. Nook shops across multiple partner banks to find your best match, and the entire service is free. For a deeper look at how Security Bank's rates compare across fixed periods, visit our Security Bank home loan interest rates guide. Note: all rates are subject to change — contact Nook or Security Bank directly to confirm current rates before applying.
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's 2026 home loan rates are 6.99% p.a. for a 1-year fixed period, 7.25% for 3-year fixed, and 7.75% for 5-year fixed. A Home Equity loan is available at 7.50% p.a. These rates are among the most competitive offered by a major Philippine universal bank, and are subject to change — verify the latest figures through Nook or directly with Security Bank before applying.
Yes — refinancing is one of the eligible loan purposes accepted by Security Bank, and Nook is an accredited broker that can submit your application on your behalf at no charge. Nook will compare Security Bank's offer alongside other partner banks to make sure you're getting the best available rate. The process is fully digital and Nook handles all the coordination with the bank for you.
Security Bank requires a minimum gross monthly income of 50,000 pesos for home loan applicants. This applies across most employment types, including private employees, government workers, BPO staff, self-employed professionals, OFWs, and freelancers. Your total monthly debt obligations — including the new loan payment — must not exceed 40% of your gross monthly income.
Security Bank's typical home loan approval timeline is around 23 business days from the time a complete application is submitted. Delays can occur if supporting documents are incomplete, so it helps to prepare your requirements thoroughly before applying. Applying through Nook can speed things up because Nook's team reviews your documents for completeness before submitting to the bank.
Yes, Nook's mortgage brokering service is 100% free to borrowers — there are no broker fees, application fees, or hidden charges on Nook's side. Nook is compensated by the bank upon successful loan disbursement, which means you get expert guidance and multi-bank comparison at zero cost. Standard bank fees such as appraisal and processing fees charged by Security Bank itself may still apply.
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