Applying for a Security Bank housing loan starts with one thing: getting the right application form and filling it out correctly. Whether you're buying a new home, refinancing an existing loan, or tapping your home equity, Security Bank requires a completed application form as the foundation of your submission. The good news is that the process is more straightforward than most borrowers expect — especially when you know exactly what to prepare.
This guide answers the most common questions Filipino homebuyers and homeowners have about the Security Bank housing loan application form: where to get it, how to fill it in, what supporting documents to attach, and how working with Nook as your free digital mortgage broker can make the entire process faster and less stressful. Note: Interest rates and product details are subject to change. Always verify current rates directly with Security Bank or through Nook before submitting your application.
You can obtain the Security Bank housing loan application form through three main channels:
- Security Bank branches: Visit any Security Bank branch and ask the customer service desk or loans officer for the housing loan application form. Staff can walk you through the form on the spot.
- Security Bank website: Security Bank periodically makes downloadable forms available through its official website (securitybank.com). Check the Home Loans section under the Personal Banking menu.
- Through Nook: As a Nook partner bank, Security Bank applications can be initiated directly through Nook's free digital mortgage platform. Nook guides you through the entire application — including form completion — without you needing to visit a branch or track down a PDF.
If you're unsure which method is right for you, using Nook is the easiest option because a dedicated mortgage specialist handles the coordination with Security Bank on your behalf, at no cost to you.
Security Bank does provide downloadable forms, but availability can change depending on the loan product and current bank policies. The most reliable approach is to check the official Security Bank website (securitybank.com) under their Home Loans section, or call their customer service hotline to confirm the latest download link.
Keep in mind that downloaded forms must typically be printed, filled out by hand or typewritten, and then submitted in person or via courier along with your supporting documents. If you prefer a fully digital process where you don't need to print anything, applying through Nook is a simpler alternative — Nook coordinates with Security Bank electronically and ensures your paperwork is complete before submission.
Tip: Always use the most current version of the form. Using an outdated form may cause delays, as Security Bank may ask you to resubmit using the updated version.
The Security Bank housing loan application form typically asks for the following information. Preparing these details in advance will help you complete the form quickly and accurately:
- Personal details: Full legal name, date of birth, civil status, nationality, TIN, SSS or GSIS number, and valid government ID information
- Contact information: Current residential address, mobile number, email address
- Employment details: Employer name and address, position, length of service, and monthly gross income — or business details if self-employed
- Co-borrower information: If applying with a spouse or co-borrower, the same personal and employment details are required for them
- Loan details: Desired loan amount, preferred loan term (typically 5 to 20 years), purpose (purchase, refinancing, home equity, renovation, etc.), and preferred interest rate fixing period
- Property information: Property address, type (house and lot, condominium, etc.), total contract price or appraised value, and developer or seller details
Double-check all figures before signing. Errors in income figures or property values are among the most common reasons for application delays.
Along with your completed application form, Security Bank typically requires the following supporting documents. Requirements may vary slightly depending on your employment type and loan purpose.
For salaried employees (private, government, BPO):
- Latest 1 month payslip
- Certificate of Employment (COE) with compensation details
- Latest ITR (BIR Form 2316) or BIR Form 1700
- Valid government-issued IDs (two copies)
For self-employed professionals and business owners:
- Latest 2 years ITR (BIR Form 1701) with BIR stamp
- Audited financial statements for the last 2 years
- Business registration documents (DTI, SEC, Mayor's Permit)
- Bank statements for the last 6 months
For OFWs and seafarers:
- Crew contract or employment contract
- Latest Crew OEC (Overseas Employment Certificate)
- Remittance records or bank statements
Property documents (all borrowers):
- Photocopy of the Transfer Certificate of Title (TCT) or Condominium Certificate of Title (CCT)
- Vicinity map and floor plan of the property
- Contract to Sell or Deed of Absolute Sale (if available)
For refinancing applications, you will also need your latest Statement of Account from your current lender and proof of the original loan. See our guide on Security Bank Housing Loan — Rates, Requirements & How to Apply for a more detailed breakdown by loan purpose.
Yes — and this is increasingly the preferred approach for many Filipino borrowers. Security Bank accepts online applications through its website, and you can also apply digitally through Nook, which submits your application directly to Security Bank on your behalf.
Applying through Nook offers several advantages over going directly to the bank's website on your own:
- Nook pre-checks your documents and application details before submission, reducing the chance of rejection or back-and-forth delays
- Nook's mortgage specialists are available to answer your questions throughout the process
- If Security Bank isn't the best fit for your situation, Nook can compare it against other partner banks — all in one free application
- Nook's service is 100% free to borrowers; Nook earns a referral fee from the bank, not from you
Whether you apply online through Nook or directly through Security Bank's portal, you will still need to provide the same information and documents described above. The difference is that Nook helps you organise and present them correctly the first time.
Security Bank's typical approval timeline is approximately 23 business days from the date a complete and accurate application is received. This covers document review, credit assessment, property appraisal, and loan offer issuance.
The most common reason applications take longer than 23 days is incomplete documentation. Missing documents — such as a BIR-stamped ITR, a title with encumbrances that need clearance, or a missing co-borrower signature — can reset the review timeline. This is one of the key reasons borrowers who apply through Nook often experience smoother processing: Nook reviews your documents before submission to catch issues early.
Once you receive Security Bank's Letter of Approval (LOA), you'll have a set period to complete the remaining requirements (such as payment of processing fees and submission of original titles) before the loan is released.
Security Bank offers competitive fixed-rate periods to help borrowers manage their monthly payments. Current indicative rates through Nook are:
- 1-Year Fixed: 6.99% p.a.
- 3-Year Fixed: 7.25% p.a.
- 5-Year Fixed: 7.75% p.a.
- Home Equity Loan: 7.50% p.a.
After the fixed-rate period ends, the loan reprices based on prevailing market rates at the time of repricing. Borrowers who want longer-term rate certainty often choose the 3-year or 5-year fixing option.
For a full breakdown of how these rates compare across fixing periods and how to calculate your estimated monthly amortisation, see our detailed guide on Security Bank Home Loan Interest Rates — Calculator & Requirements 2026.
Rates are subject to change without prior notice. Always confirm the current rate with Security Bank or through Nook before finalising your application.
Security Bank requires a minimum combined monthly income of 50,000 pesos for housing loan applicants. This can be the income of the primary borrower alone, or the combined income of the borrower and a qualified co-borrower (such as a spouse).
In terms of debt-to-income ratio, Security Bank applies a maximum Debt-to-Income (DTI) ratio of 40%. This means your total monthly debt obligations — including the proposed housing loan amortisation — should not exceed 40% of your gross monthly income.
For example, if your gross monthly income is 80,000 pesos, your maximum allowable total monthly debt (including the new housing loan) would be 32,000 pesos. If you already have a car loan amortisation of 8,000 pesos per month, the maximum housing loan amortisation Security Bank would typically approve is 24,000 pesos.
Security Bank accepts a wide range of employment types, including private employees, government employees, BPO workers, OFWs and seafarers, self-employed individuals, licensed professionals, and freelancers — making it one of the more accessible banks for applicants with non-traditional income sources.
Yes. Security Bank offers refinancing as one of its supported loan purposes, and the application form covers this scenario. When completing the form for a refinancing application, you will indicate "Refinancing" as the loan purpose and provide details of your existing loan, including the outstanding balance, current lender, and remaining term.
Refinancing with Security Bank makes sense if your current interest rate is significantly higher than what Security Bank can offer. Many Filipino homeowners are currently paying between 7% and 10% on their existing loans — refinancing to Security Bank's 1-year fixed rate of 6.99% p.a. (or lower through Nook's broader panel) could meaningfully reduce your monthly amortisation.
For a refinancing application you will typically need to provide your most recent Statement of Account from your existing lender, a copy of the original loan documents, and updated property title documents. Nook specialises in refinancing applications and can assess whether Security Bank — or another lender on Nook's panel — offers the best rate for your specific situation.
Nook is the Philippines' first digital mortgage broker, and Security Bank is one of Nook's partner banks. Here's what working with Nook means for your application:
- Free service: Nook's mortgage brokerage service is 100% free to you as the borrower. Nook is compensated by the bank upon successful loan disbursement — you pay nothing extra.
- Document review before submission: Nook's specialists review your documents and application form before sending them to Security Bank, significantly reducing the risk of rejection or delays caused by missing paperwork.
- Bank comparison: Nook can assess your eligibility across multiple partner banks simultaneously. If another bank on Nook's panel offers a better rate or more suitable terms for your situation, Nook will tell you — even if that means recommending someone other than Security Bank.
- Refinancing expertise: If you're refinancing, Nook can calculate your potential savings and guide you through the process of switching lenders efficiently.
- End-to-end support: From initial inquiry to loan release, Nook's team is available to answer questions, follow up with the bank, and keep your application moving.
To get started, visit nook.com.ph and complete a short eligibility check. Nook will match you with the best available rate from its panel of partner banks — including Security Bank — within minutes.