Applying for a Security Bank housing loan starts with getting the right paperwork in order — and the application form is step one. Whether you're buying a new home, refinancing an existing loan, or tapping your home equity, Security Bank requires a completed application form alongside supporting documents before your file can be processed. The form captures your personal details, employment and income information, the property you're financing, and your loan requirements.
This page answers the most common questions Filipino borrowers ask about the Security Bank housing loan application form — from where to get it, to how to fill it in correctly, to what happens after you submit. If you're refinancing and want a faster, guided experience, Nook's free broker service for Security Bank housing loan refinancing can walk you through every step at no cost to you. Interest rates referenced on this page are subject to change — always verify current rates with Security Bank or through Nook before making a decision.
You can get the Security Bank housing loan application form through three main channels. First, you can visit any Security Bank branch and request a physical copy from the loans desk — branch staff can also help you understand what each section requires. Second, Security Bank's official website (securitybank.com) hosts downloadable loan application forms in PDF format under the Home Loans section. Third, if you're applying through Nook as your mortgage broker, Nook's team will provide you with the correct form version and pre-check your details before submission — at no cost to you.
Always make sure you're using the most current version of the form. Security Bank occasionally updates its templates, and submitting an outdated version can delay your application. When in doubt, download directly from the official Security Bank website or request a fresh copy at a branch.
Yes. Security Bank makes its housing loan application form available for download on its official website. Navigate to the Home Loans or Loans section of securitybank.com, look for the application form link, and download the PDF. You can fill it in digitally using a PDF editor, or print it and fill it in by hand — Security Bank accepts both, provided the form is legible and complete.
If you're applying for a refinance specifically, note that the form may have a section for indicating loan purpose. Select "Refinancing" and be prepared to include your current loan details, such as your existing lender, outstanding balance, and remaining term. For a full breakdown of what Security Bank requires for refinance applications, see our guide on Security Bank housing loan requirements for 2026.
The Security Bank housing loan application form is divided into several sections, each capturing a different aspect of your profile and your loan request. Here's what you'll typically need to fill in:
- Personal information: Full legal name, date of birth, civil status, nationality, TIN, SSS/GSIS number, and contact details.
- Employment and income: Employer name and address, position, tenure, and gross monthly income. Self-employed applicants will indicate their business name and nature of business.
- Co-borrower details: If you're applying jointly, the same personal and income information is required for your co-borrower.
- Loan details: The loan amount you're requesting, preferred fixed-rate period (1, 3, or 5 years), desired loan term (typically up to 20 years), and loan purpose (purchase, refinance, renovation, home equity, etc.).
- Property information: Location, type (condominium, house and lot, etc.), TCT/CCT number, appraised value, and developer name if applicable.
- Credit references: Existing loans or credit facilities you currently hold.
Take your time with this section — incomplete or inconsistent information is one of the top reasons applications are returned for correction.
The loan amount you enter should reflect how much you actually need to borrow — not the property's full value. Security Bank typically finances up to 80% of the appraised value of the property (loan-to-value ratio), so if your property is appraised at 5,000,000, the maximum loan amount you could apply for is 4,000,000. For refinancing, the loan amount is typically your remaining outstanding balance, though you may request a top-up subject to approval.
For the loan term, Security Bank offers terms of up to 20 years for housing loans. A longer term lowers your monthly amortisation but increases total interest paid over the life of the loan. For example, a 3,000,000 loan at Security Bank's current 1-year fixed rate of 6.99% over 20 years results in a different monthly payment than the same loan over 10 years — run the numbers carefully before deciding.
Separately, you'll be asked to choose a fixed-rate period. Security Bank currently offers 1-year fixed at 6.99%, 3-year fixed at 7.25%, and 5-year fixed at 7.75%. After the fixed period ends, your rate reprices based on prevailing market rates. If rate certainty is important to you, a longer fixed period provides more predictability.
The completed application form alone is not sufficient — Security Bank requires supporting documents to verify the information you've provided. Standard requirements include:
- Valid government-issued IDs (two forms, such as passport, driver's license, or SSS ID)
- Proof of income: Latest 3 months' payslips and Certificate of Employment for employed applicants; ITR (BIR Form 1701 or 1701A) and audited financial statements for self-employed applicants; OFW applicants typically need a contract and POEA documentation
- Property documents: Copy of Transfer Certificate of Title (TCT) or Condominium Certificate of Title (CCT), tax declaration, and vicinity map
- For refinancing: Your latest loan statement of account from your current lender and a copy of your existing loan documents
Document requirements can vary slightly depending on your employment type and loan purpose. Security Bank accepts applications from private employees, government employees, BPO workers, OFWs, seafarers, self-employed individuals, professionals, and freelancers — each with slightly different supporting document requirements. Always confirm the complete list with your Security Bank relationship manager or your Nook broker before submitting.
Security Bank has been expanding its digital banking capabilities, and it is possible to initiate a home loan enquiry online through the Security Bank website. However, for the formal application — including the signed form and supporting documents — Security Bank typically requires either in-branch submission or submission through an authorised channel such as a mortgage broker.
If you want a fully guided digital experience, applying through Nook is a practical option. Nook operates as a digital mortgage broker and works directly with Security Bank as a partner. You submit your details once through Nook's platform, and Nook handles the form preparation, document checklist, and submission coordination on your behalf — all for free. This is especially useful if you're an OFW or are too busy to visit a branch multiple times during the application process.
Security Bank's typical approval timeline is around 23 days from the date of complete document submission. This means the clock starts when your full file — application form plus all required supporting documents — has been received and acknowledged, not simply when you drop off the form.
Delays most commonly occur when documents are missing, income cannot be verified, or the property appraisal takes longer than expected. Submitting a complete and accurate file from the start is the single most effective way to stay on track. Working with a broker like Nook also helps — Nook pre-reviews your documents before submission to catch gaps that could slow down processing.
Once your loan is approved, Security Bank will issue a Letter of Approval (LOA) outlining the approved amount, interest rate, and terms. You'll then proceed to loan documentation and eventually disbursement.
These are the most frequent errors that cause delays or outright rejections on Security Bank housing loan applications:
- Inconsistent income figures: The income you declare on the form must match what appears on your payslips, ITR, and bank statements. Discrepancies trigger additional scrutiny.
- Missing co-borrower signature: If you're applying with a co-borrower (spouse or otherwise), both parties must sign the form. Missing one signature will cause the application to be returned.
- Incorrect loan purpose: Make sure you select the right loan purpose. "Refinancing" is different from "purchase" and requires different supporting documents.
- Outdated property documents: If your TCT or tax declaration is not current, Security Bank may request updated copies before proceeding.
- Leaving sections blank: Even sections that seem optional often require "N/A" rather than being left empty. A blank field can be flagged as an incomplete application.
- Using an old form version: Always download the latest version from Security Bank's official website.
If you're unsure about any section, it's better to ask a Security Bank loans officer or Nook broker before submitting than to guess and face delays later.
Security Bank's current housing loan interest rates are as follows:
- 1-Year Fixed: 6.99% per annum
- 3-Year Fixed: 7.25% per annum
- 5-Year Fixed: 7.75% per annum
- Home Equity: 7.50% per annum
These rates apply during the fixed-rate period you select on your application form. After the fixed period ends, your rate will reprice based on Security Bank's prevailing rates at that time. The rate you lock in at application is not guaranteed until your loan is formally approved and the Letter of Approval is issued.
It's worth noting that many Filipino homeowners currently paying rates of 8% to 10% on older loans can achieve meaningful savings by refinancing with Security Bank. For a full comparison of what refinancing through Security Bank could save you, see our detailed guide on Security Bank housing loan interest rates and requirements. All rates are subject to change — verify the latest rates with Security Bank or through Nook before submitting your application.
Yes — and it costs you nothing. Nook is the Philippines' first digital mortgage broker and an authorised partner of Security Bank. Instead of navigating the application process on your own, Nook assigns you a dedicated mortgage specialist who will help you complete the application form correctly, compile your document checklist, and submit your file to Security Bank on your behalf.
The advantages of applying through Nook include: a single point of contact throughout the process, pre-submission document review to catch errors before they cause delays, and access to Nook's rate comparison tools so you can confirm Security Bank is offering you the best deal available. Nook's service is 100% free to borrowers — Nook is compensated by the bank, not by you.
This is particularly useful for refinance applicants who want to move quickly. If you're currently paying more than 7% on an existing home loan, Security Bank's 1-year fixed rate of 6.99% may already represent a saving — and Nook can help you determine your exact monthly savings before you commit to anything. Get started at nook.com.ph.