Security Bank offers some of the most competitive housing loan rates in the Philippines — starting at 6.75% p.a. for a 5-year fixed term. Apply through Nook for free and let us find you the best deal.
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Why this matters
Security Bank is one of the Philippines' leading universal banks and a Nook partner lender — which means borrowers who apply through Nook get access to Security Bank's full suite of housing loan products with zero broker fees. Whether you're purchasing a ready-for-occupancy unit, refinancing an existing loan, or tapping your home equity for renovations, Security Bank offers flexible loan structures to suit your needs. Their 1-year fixed rate starts at 6.99% p.a. and their popular 5-year fixed rate is 6.75% p.a. — well below what many Filipinos are currently paying on older home loans from other banks. For full details on what Security Bank requires from applicants, see our Security Bank housing loan requirements guide.
To qualify for a Security Bank housing loan, you'll need a minimum monthly income of ₱50,000 and your total debt obligations should not exceed 40% of your gross monthly income (the DTI or debt-to-income ratio). Security Bank accepts a wide range of employment types — including private employees, government workers, BPO professionals, OFWs and seafarers, self-employed individuals, licensed professionals, and freelancers. Typical loan approval takes around 23 banking days, making it one of the more efficient processes among Philippine banks. If you're comparing rates across lenders, our Security Bank housing loan interest rates guide breaks down current pricing in detail.
Applying through Nook means you don't have to navigate the process alone. Nook is the Philippines' first digital mortgage broker — we compare offers across multiple banks on your behalf, handle the paperwork coordination, and guide you from application to approval, all at absolutely no cost to you. If you're currently on a higher rate with another bank, refinancing to Security Bank through Nook could reduce your monthly payment significantly. Use the savings calculator above to see what you could save, and click Apply Now to get started in minutes. Note: interest rates are subject to change; always verify current rates with the bank or 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 currently offers a 1-year fixed rate of 6.99% p.a. and a 5-year fixed rate of 6.75% p.a. for standard housing loans, with a Home Equity loan rate of 7.50% p.a. These rates are among the most competitive available from a major Philippine bank. Note that rates are subject to change, so we recommend confirming current pricing with a Nook advisor before applying.
You need a minimum gross monthly income of ₱50,000 and your total monthly debt payments (including the new loan) must not exceed 40% of your income. Security Bank accepts applicants from a wide range of employment categories — including private employees, government workers, BPO staff, OFWs, seafarers, self-employed individuals, licensed professionals, and freelancers. Both Filipino citizens and qualified OFWs can apply.
Security Bank typically processes and approves housing loan applications within 23 banking days, assuming all required documents are submitted completely and correctly. Applying through Nook can help speed things up because our team reviews your documents before submission and flags any issues early. Incomplete applications are the most common reason for delays, so preparation matters.
Yes — refinancing is one of Security Bank's supported loan purposes, and it's one of the most popular reasons Filipinos apply through Nook. If your current home loan is priced above 7%, switching to Security Bank's 5-year fixed rate of 6.75% p.a. could lower your monthly payment by thousands of pesos. You can use our savings calculator above to estimate your potential savings before you apply. For a step-by-step guide, visit our Security Bank refinancing guide.
Yes, Nook's mortgage brokering service is completely free for borrowers. We are compensated by the bank if your loan is successfully funded, so you pay nothing for our comparison, advisory, and application support services. You get the same Security Bank rates you'd receive by going directly to the bank — but with expert guidance and multi-bank comparison included at no extra cost.
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