Get competitive rates from 6.75% and fast 23-day approval with Security Bank's refinancing options through Nook.
REFINANCING SAVINGS
No commitment. No credit check. Just your numbers.
Why this matters
Security Bank offers some of the most competitive home loan refinancing rates in the Philippines, with options starting at 6.75% for their 5-Year Fixed rate program. As a Nook partner bank, Security Bank provides accessible financing with a minimum monthly income requirement of just ₱50,000 and supports various employment types including private employees, government workers, BPO staff, OFWs, and self-employed professionals.
The refinancing process with Security Bank typically takes 23 days for approval, and they accommodate multiple loan purposes including refinancing existing mortgages, home equity loans, and property renovations. Their maximum debt-to-income ratio of 40% makes qualification more achievable for many Filipino homeowners looking to reduce their monthly payments.
When you apply through Nook, you get free broker service to help navigate Security Bank's housing loan requirements and ensure your application is positioned for the best possible terms. This professional guidance can be especially valuable compared to going directly to the bank or exploring alternatives like BDO's refinancing options.
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 offers competitive refinancing rates starting at 6.75% for their 5-Year Fixed rate program and 6.99% for 1-Year Fixed terms. Home equity loans are available at 7.50%, all significantly lower than typical market rates of 8-10%.
Security Bank typically processes refinancing applications within 23 days of submission. This timeline can vary based on document completeness and property verification requirements, but their streamlined process is among the faster options in the Philippine banking sector.
Security Bank requires a minimum monthly income of ₱50,000 for refinancing applications. They accept various employment types including private employees, government workers, BPO staff, OFWs, seafarers, self-employed individuals, professionals, and freelancers with proper income documentation.
Yes, Security Bank accepts refinancing for various property types including foreclosed properties, new construction, pre-selling units, ready-for-occupancy homes, and existing properties for renovation. They also offer home equity loans against your current property value.
Applying through Nook gives you free professional broker service to optimize your Security Bank refinancing application. Our team helps ensure your documents meet their requirements, positions your application competitively, and guides you through the entire 23-day approval process at no cost to you.
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