Security Bank offers some of the most competitive home loan refinance rates in the Philippines — starting at 6.75% p.a. fixed for 5 years. See how much you could save by making the switch through Nook, 100% free.
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Why this matters
If your current home loan is sitting at 9% or higher, you could be overpaying by tens of thousands of pesos every year. Security Bank's refinancing rates — 6.99% p.a. for a 1-year fixed term or 6.75% p.a. locked in for 5 years — give Filipino homeowners a genuine opportunity to cut their monthly amortisation and free up cash for the things that matter. Whether your loan is with BDO, BPI, Metrobank, or any other lender, refinancing to Security Bank through Nook is straightforward and costs you nothing in broker fees. You can learn more about what to expect in our Security Bank Home Loan Refinance 2026 guide.
Security Bank accepts a wide range of borrower profiles — including private employees, government workers, BPO staff, OFWs, seafarers, self-employed professionals, and freelancers — with a minimum qualifying income of P50,000 per month. Their typical approval timeline of around 23 days is among the faster turnarounds available in the Philippine market, and their maximum debt-to-income ratio of 40% means many applicants who have been turned away elsewhere may still qualify. For a full breakdown of what you'll need to prepare, see our complete Security Bank housing loan requirements guide.
Nook acts as your dedicated mortgage broker throughout the entire process — comparing Security Bank's offer against other partner lenders, helping you prepare your documents, and coordinating directly with the bank on your behalf. There are no hidden fees, no commissions charged to you, and no obligation to proceed. Our goal is simple: make sure you end up with the best rate available for your situation. Interest rates are subject to change, so we recommend getting a personalised quote through Nook to confirm the current rates that apply to your loan.
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 6.99% p.a. for a 1-year fixed rate and 6.75% p.a. for a 5-year fixed rate on home loan refinancing. The 5-year fixed option is particularly popular with borrowers who want rate certainty and protection against future increases. Note that rates are subject to change — check with Nook for the latest confirmed rates before applying.
Security Bank accepts refinancing applications from a broad range of income types, including private employees, government workers, BPO professionals, OFWs, seafarers, self-employed individuals, licensed professionals, and freelancers. The minimum qualifying monthly income is P50,000, and your total monthly debt obligations — including the new loan — should not exceed 40% of your gross income.
Security Bank's typical approval timeline is around 23 banking days from the time all required documents are submitted. Having a complete and accurate document package from the start is the best way to avoid delays. When you apply through Nook, your dedicated loan advisor will review your documents before submission to minimise back-and-forth with the bank.
Yes — refinancing from any existing lender to Security Bank is entirely possible, regardless of whether your current loan is with BDO, BPI, Metrobank, Pag-IBIG, or any other institution. You'll need to provide your current loan statement, remaining balance, and property documents as part of the application. Nook will guide you through exactly what's required for a smooth transition.
Nook is a licensed mortgage broker that manages the entire refinancing process on your behalf — from comparing Security Bank's rates against other lenders, to preparing your application, to following up with the bank until approval. The service is completely free to borrowers; Nook is compensated by the bank, not by you. There are no hidden charges and no obligation to proceed after your free consultation.
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