Security Bank offers some of the most competitive home loan rates in the Philippines — starting at 6.75% p.a. for a 5-year fixed. If you're paying 8% or more, it's time to see how much you could save.
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Why this matters
Security Bank is one of the Philippines' most borrower-friendly home loan providers, offering fixed-rate periods from 1 to 5 years with rates as low as 6.75% p.a. for a 5-year fixed term and 6.99% p.a. for a 1-year fixed term. For homeowners looking to unlock equity, their Home Equity loan option is available at 7.50% p.a. With a minimum monthly income requirement of just ₱50,000, Security Bank is accessible to a wide range of borrowers — including those in private employment, government service, BPO, OFW/seafarers, self-employed professionals, and even freelancers. Typical loan approval takes around 23 days, making it one of the faster options among major Philippine banks.
Whether you're purchasing a ready-for-occupancy unit, refinancing an existing loan, funding a renovation, or buying a pre-selling property, Security Bank supports a broad range of loan purposes. Their maximum debt-to-income (DTI) ratio of 40% means many middle-income Filipino homeowners qualify — especially those currently carrying a single home loan. If you're considering refinancing, you can explore how the process works in our Security Bank Home Loan Refinance 2026 guide, which covers rates, eligibility, and step-by-step instructions.
Applying through Nook is 100% free — no broker fees, no hidden charges. Nook compares Security Bank's offer against other leading Philippine lenders so you can be confident you're getting the best available rate for your profile. Interest rates are subject to change; always verify current rates with the bank or through Nook before finalising your application. For a deeper look at eligibility criteria and documents needed, visit our Security Bank Housing Loan Requirements 2026 guide.
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. Their Home Equity loan carries a rate of 7.50% p.a. These rates are among the most competitive available from a major Philippine bank, and they apply to a wide range of loan purposes including refinancing, purchase, and renovation. Note that interest rates are subject to change — confirm the latest rates with Nook or Security Bank directly before applying.
Security Bank accepts borrowers from a broad range of employment types, including private employees, government workers, BPO employees, OFWs and seafarers, self-employed individuals, licensed professionals, and freelancers. The minimum monthly income requirement is ₱50,000, and your total debt obligations should not exceed 40% of your gross monthly income. You must also be a Filipino citizen or a qualified foreign national with eligible property as collateral.
Security Bank typically approves home loan applications within 23 days, which is faster than many other major Philippine banks. This timeline assumes you submit a complete set of documents upfront — incomplete applications can cause delays. Applying through Nook helps you prepare a complete package from the start, reducing back-and-forth with the bank.
Yes, refinancing is one of the supported loan purposes at Security Bank. If you're currently paying a higher rate with another bank, refinancing to Security Bank's 5-year fixed rate of 6.75% p.a. could significantly reduce your monthly payment and total interest cost. Nook can calculate your exact savings and manage the refinancing process at no cost to you.
No — Nook's service is completely free for borrowers. Nook is a licensed mortgage broker that earns a referral fee from the bank, not from you. You get access to Security Bank's full home loan lineup, a side-by-side comparison with other partner banks, and end-to-end application support without paying a single peso in broker fees.
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