Security Bank offers some of the most competitive fixed home loan rates in the Philippines — with a 5-year fixed rate of 6.75% p.a. Through Nook, you can apply for free and see if you qualify for a lower monthly payment starting today.
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Why this matters
Security Bank is one of the Philippines' most borrower-friendly banks when it comes to home loan pricing. Their current fixed rates — 6.99% for a 1-year fix and 6.75% for a 5-year fix — sit well below what most Filipino homeowners are paying on existing loans originated two to five years ago. If your current mortgage rate is anywhere between 7.5% and 10%, there's a real chance that refinancing to Security Bank through Nook could cut your monthly payment by thousands of pesos. You can explore the full breakdown of costs and eligibility in our Security Bank home loan refinance guide for 2026.
What makes Security Bank stand out isn't just the headline rate. Their approval timeline averages just 23 days, their minimum monthly income requirement is ₱50,000, and they accept a wide range of employment types — including BPO workers, OFWs, seafarers, freelancers, and self-employed professionals. They also support multiple loan purposes: refinancing, home equity, new construction, pre-selling, ready-for-occupancy, resale, and renovation. That flexibility means more borrowers qualify, and more use cases are covered under one lender. For a full look at what you'll need to prepare, see our Security Bank housing loan requirements guide.
When comparing Security Bank to BDO or BPI, the 5-year fixed rate at 6.75% gives borrowers meaningful medium-term certainty — you're locked into a low rate for five years rather than repricing annually in a potentially rising rate environment. The maximum debt-to-income ratio of 40% is also standard across major banks, meaning Security Bank isn't stricter than the competition. Through Nook, applying to Security Bank costs you nothing — Nook is a free service for borrowers, paid by the bank only when a loan is successfully placed. Please note that interest rates are subject to change; always verify the latest rates directly with Security Bank or through your Nook advisor 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 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 a 7.50% rate for home equity loans. These rates are subject to change, so we recommend confirming the latest figures with Security Bank directly or through a Nook advisor before you proceed.
Security Bank's 5-year fixed rate of 6.75% p.a. is competitive against the major banks — BPI and BDO typically offer 5-year fixed rates in the 7.25%–8.50% range depending on loan size and borrower profile. The longer your fixed period, the more protection you have against future rate increases, which makes Security Bank's 5-year option particularly attractive for borrowers who value payment stability.
Security Bank requires a minimum monthly income of ₱50,000 and accepts borrowers from private employment, government service, BPO companies, OFW and seafarer households, self-employed professionals, and freelancers. Your total debt obligations — including the new mortgage — must not exceed 40% of your gross monthly income, which is the standard debt-to-income cap across most Philippine banks.
Security Bank typically processes and approves home loan applications within 23 days from submission of complete documents. This is faster than several major banks, which can take 30–45 days. Applying through Nook can help streamline the process since Nook advisors ensure your documents are complete and correctly formatted before submission, reducing the chance of delays.
Yes — Nook's mortgage brokering service is 100% free for borrowers. There are no broker fees, no consultation charges, and no hidden costs for using Nook to apply to Security Bank. Nook earns a referral fee from the bank only after your loan is successfully disbursed, so there's no financial downside to getting expert guidance before you apply.
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