Security Bank offers some of the most competitive home loan rates in the Philippines — as low as 6.75% p.a. fixed for 5 years. Find out if refinancing to Security Bank could save you thousands every month.
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Why this matters
Security Bank is one of the Philippines' leading universal banks and a Nook partner, offering home loan rates that consistently rank among the most competitive in the market. Their 2026 lineup features a 1-year fixed rate of 6.99% p.a. and an attractive 5-year fixed rate of 6.75% p.a. — giving borrowers the flexibility to lock in a low rate for a period that fits their financial plans. For homeowners currently paying 8%, 9%, or even higher with another lender, the difference in monthly amortisation can be significant. On a 3,000,000-peso loan with 20 years remaining, switching from 9% to 6.75% translates to over 4,000 pesos back in your pocket every single month.
Qualifying for a Security Bank home loan is more accessible than many borrowers expect. The minimum monthly income requirement is 50,000 pesos, and Security Bank accepts a wide range of employment types — including private employees, government workers, BPO professionals, OFWs, seafarers, self-employed individuals, and freelancers. Their maximum debt-to-income ratio of 40% is standard for the industry, and with a typical approval timeline of around 23 days, you won't be waiting long to find out where you stand. Whether you're refinancing an existing loan, purchasing a ready-for-occupancy unit, funding a renovation, or tapping your home's equity, Security Bank has a loan purpose that fits. For a full breakdown of what documents you'll need, see our Security Bank housing loan requirements guide.
Applying through Nook means you get access to Security Bank's rates — and those of other leading Philippine banks — completely free of charge. Nook's digital platform does the comparison work for you, so you're not just getting Security Bank's best offer, you're getting the best offer available across the market. There are no broker fees, no hidden charges, and no obligation. If you're weighing up whether refinancing makes sense for your situation, our Security Bank home loan refinancing guide walks through the full process, costs, and timelines so you can make an informed decision. Note that all interest rates are subject to change — always verify current rates directly with the bank or through Nook before making any 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
Security Bank's current home loan rates include a 1-year fixed rate of 6.99% p.a. and a 5-year fixed rate of 6.75% p.a., with a home equity rate of 7.50% p.a. These are among the most competitive rates available from a Philippine universal bank in 2026. Rates are subject to change, so it's worth confirming the latest figures through Nook or directly with Security Bank before you apply.
Security Bank accepts applications from a broad range of borrowers, including private employees, government workers, BPO professionals, OFWs, seafarers, self-employed individuals, licensed professionals, and freelancers. The minimum monthly income requirement is 50,000 pesos, and your total monthly debt obligations — including the new home loan payment — should not exceed 40% of your gross monthly income. Meeting these thresholds generally means you're in a strong position to qualify.
Security Bank's typical loan approval timeline is around 23 days from the submission of a complete application. The key to a faster turnaround is ensuring all your documents — income proof, property documents, and identification — are in order before you submit. Applying through Nook can help you prepare a complete package the first time, which reduces the risk of delays caused by missing requirements.
If you're currently paying 8% or higher on your home loan, refinancing to Security Bank's 5-year fixed rate of 6.75% p.a. could generate meaningful monthly savings. On a 3,000,000-peso loan with 20 years remaining, the difference between 9% and 6.75% is over 4,000 pesos per month. You'll want to factor in any prepayment penalties from your current lender and standard refinancing fees, but for most borrowers with more than 10 years left on their loan, the numbers tend to work out favourably.
No — Nook's service is completely free for borrowers. Nook earns a referral fee from the bank if your loan is approved, which means you get independent advice, rate comparisons across multiple lenders, and hands-on application support at zero cost to you. There's no obligation to proceed, and you won't be charged anything regardless of the outcome of your application.
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