Switch your existing home loan to Security Bank's competitive rates starting at 6.75% p.a. and keep thousands more in your pocket every month — with Nook's free broker service handling everything for you.
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Why this matters
If you took out your home loan more than two or three years ago, there's a strong chance you're still paying a rate that no longer reflects what's available in the market today. Many Filipino homeowners are locked into rates of 8% to 10% — and with Security Bank now offering fixed rates as low as 6.75% p.a. on a 5-year fixed term, refinancing could be one of the smartest financial moves you make this year. You can explore Security Bank's current housing loan interest rates to see exactly how today's rates compare to what you're paying now.
Security Bank is one of Nook's verified partner banks, which means we work directly with their mortgage team to streamline your application and help you get a decision faster. Their typical approval timeline is around 23 days, and they accept a wide range of borrower profiles — including private employees, government workers, OFWs, self-employed professionals, and even freelancers. The minimum monthly income requirement is 50,000, making refinancing accessible to a broad range of homeowners across the Philippines.
Refinancing through Nook is completely free. We compare offers across multiple partner banks on your behalf, prepare your documents, and guide you from application to approval — at zero cost to you. Whether you're looking to lower your monthly payment, shorten your loan term, or unlock your home's equity, our mortgage specialists will find the option that fits your situation. For a full breakdown of what to expect, check out our guide on Security Bank home loan refinancing rates and requirements for 2026.
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. for home loan refinancing. These rates are among the most competitive available through Nook's partner bank network. Please note that interest rates are subject to change, so it's always best to verify current rates with Nook or Security Bank directly before applying.
Security Bank accepts a wide range of borrower profiles including private and government employees, BPO workers, OFWs, seafarers, self-employed individuals, licensed professionals, and freelancers. The minimum required monthly income is 50,000, and your total debt obligations should not exceed 40% of your gross monthly income. Nook can help you assess your eligibility before you submit a single document.
Security Bank's typical approval timeline for a refinance application is around 23 banking days from the submission of complete documents. Working through Nook can help speed things up because our team pre-reviews your documents and coordinates directly with the bank on your behalf. Getting your paperwork in order early is the single biggest factor in a faster turnaround.
Nook's service is 100% free to borrowers — we are compensated by the bank, not by you. However, standard refinancing costs such as appraisal fees, notarial fees, and registration charges may apply depending on your loan and property details. Your Nook mortgage specialist will walk you through all expected costs upfront so there are no surprises.
Yes, Security Bank offers a Home Equity loan product with a rate of 7.50% p.a., which allows you to borrow against the value you've built up in your property. This can be used for home renovations, education, business capital, or other financial needs. Nook can help you determine whether a straight refinance or a home equity arrangement makes more sense for your goals.
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