Homeowners with a Security Bank mortgage are switching to rates as low as 5.99% p.a. through Nook — and saving thousands every single month. Nook's service is 100% free.
YOUR POTENTIAL SAVINGS
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Why this matters
Security Bank is a respected home loan provider in the Philippines, but like most banks, the interest rate you locked in years ago may no longer reflect what's available in today's market. If your current Security Bank mortgage is on a rate of 8% or higher, refinancing could mean dramatically lower monthly payments — and tens of thousands of pesos back in your pocket every year. Through Nook, you can compare multiple lender offers side by side without paying a single peso in broker fees. You can also review the latest Security Bank housing loan interest rates to understand exactly where your current rate stands.
Refinancing your Security Bank home loan works by transferring your outstanding balance to a new lender offering a more competitive rate. The process typically involves a property appraisal, credit assessment, and documentation review — steps that Nook guides you through from start to finish. Security Bank itself is also a Nook partner bank, offering fixed rates starting at 6.75% for a 5-year term and 6.99% for a 1-year fixed term, which means in some cases you may even be able to renegotiate terms within Security Bank or move to another partner lender for a better deal. Approval typically takes around 23 days when all documents are in order.
Whether you're looking to reduce your monthly burden, shorten your remaining term, or access your home equity, refinancing is one of the most powerful financial moves available to Filipino homeowners. For a full breakdown of what's required and how the process works, visit our Security Bank home loan refinance guide for 2026. Interest rates are subject to change — borrowers are encouraged to verify current rates directly with lenders at the time of application.
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
Yes, absolutely. You are not locked into staying with Security Bank once your fixed-rate period ends. Through Nook, you can compare offers from multiple Philippine banks and transfer your outstanding balance to whichever lender gives you the best rate and terms — all at no cost to you.
The best rate currently available through Nook is 5.99% p.a., though the rate you qualify for depends on your loan amount, remaining term, income, and credit profile. Security Bank itself offers competitive fixed rates starting at 6.75% for a 5-year term for qualified borrowers. Rates are subject to change, so it's worth checking current offers as early as possible.
On a 3,000,000 peso loan with 20 years remaining, moving from 8.50% to 5.99% could reduce your monthly payment by over 4,500 pesos — that's more than 54,000 pesos saved per year. Over the life of the loan, total savings can exceed 800,000 pesos depending on your specific balance and rate difference.
Requirements vary by the receiving bank, but most lenders ask for a minimum monthly income of around 50,000 pesos, a clean credit history, and a property with clear title. Security Bank as a receiving lender accepts private employees, government workers, OFWs, self-employed professionals, and freelancers. Nook will assess your eligibility and match you with the most suitable lender.
Yes — Nook charges zero fees to borrowers. Nook earns a referral fee from the bank once your loan is successfully disbursed, which means you get expert mortgage guidance, document support, and lender comparison at absolutely no cost to you. There are no hidden charges and no obligation to proceed after your free assessment.
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