Security Bank offers some of the most competitive home loan rates in the Philippines — starting at 6.99% p.a. for a 1-year fixed term. If you're currently paying 8% or more, refinancing through Nook 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 a full range of home loan products designed to fit different borrower profiles. Their 2026 fixed-rate options include a 1-year fixed at 6.99% p.a., a 3-year fixed at 7.25% p.a., and a 5-year fixed at 7.75% p.a. — giving borrowers the flexibility to choose a repricing period that matches their financial goals. Whether you're purchasing a ready-for-occupancy unit, refinancing an existing loan, or tapping your home equity for renovations, Security Bank has a loan purpose that fits. You can explore the full breakdown of their offerings in our complete guide to Security Bank housing loan interest rates.
Eligibility for a Security Bank home loan is accessible to a wide range of Filipinos. The minimum monthly income requirement is ₱50,000, and Security Bank accepts applications from employed professionals in the private sector, government workers, BPO employees, OFWs and seafarers, self-employed individuals, and freelancers. The maximum debt-to-income (DTI) ratio is 40%, meaning your total monthly loan obligations — including your new home loan — should not exceed 40% of your gross monthly income. Typical loan approval takes around 23 business days, making it one of the more straightforward approval timelines among major Philippine banks. For a full checklist of documents and requirements, see our Security Bank housing loan requirements guide.
Applying through Nook gives you a distinct advantage: Nook is a licensed mortgage broker that submits your application directly to Security Bank and other partner lenders — at absolutely no cost to you. Nook's team handles the paperwork, coordinates with the bank, and helps you compare offers so you always get the best deal available. If you're considering refinancing your current home loan to take advantage of Security Bank's rates, Nook makes the process simple, transparent, and free. Interest rates are subject to change; always confirm the latest rates with Security Bank or through your Nook advisor before proceeding.
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 fixed home loan rates are 6.99% p.a. for a 1-year fixed term, 7.25% p.a. for a 3-year fixed term, and 7.75% p.a. for a 5-year fixed term. For home equity loans, the rate is 7.50% p.a. These rates are subject to change, so we recommend confirming the latest rates with Nook or directly with Security Bank before applying.
Security Bank accepts applications from a broad range of borrowers including private and government employees, BPO workers, OFWs, seafarers, self-employed individuals, licensed professionals, and freelancers. The minimum qualifying monthly income is ₱50,000, and your total monthly debt obligations must not exceed 40% of your gross monthly income.
Security Bank's typical loan approval timeline is around 23 business days from submission of complete documents. Applying through Nook can help streamline this process, as Nook's team ensures your application is complete and properly packaged before it reaches the bank.
Yes, refinancing is one of Security Bank's supported loan purposes, alongside purchases, home equity loans, construction, and renovation financing. If you're currently paying a higher rate with another bank, refinancing to Security Bank through Nook could significantly reduce your monthly payments. You can learn more in our guide on Security Bank home loan refinancing rates and requirements.
No — Nook's service is 100% free for borrowers. Nook is compensated by the bank upon loan disbursement, so you pay nothing for access to Nook's mortgage advisors, application assistance, or rate comparisons. You get the same Security Bank rates as applying directly, plus the added benefit of expert guidance throughout the process.
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