Security Bank offers some of the most competitive housing loan rates in the Philippines — starting at 6.75% p.a. fixed for 5 years. If you're currently paying 8% or more, refinancing through Nook could cut your monthly payment significantly.
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Why this matters
Security Bank is one of the Philippines' leading universal banks and a Nook partner, offering housing loan interest rates that are genuinely competitive in today's market. For 2026, their fixed-rate options start at 6.99% p.a. for a 1-year fixed period and drop to 6.75% p.a. for a 5-year fixed period — making the longer fixed term a particularly attractive choice for borrowers who want payment stability. A Home Equity loan option is also available at 7.50% p.a. for those looking to unlock the value in their existing property. These rates apply to a range of loan purposes including refinancing, ready-for-occupancy purchases, reselling, pre-selling, new construction, renovation, and foreclosed properties.
Security Bank accepts borrowers from a wide range of employment backgrounds — private employees, government workers, BPO professionals, OFWs, seafarers, self-employed individuals, licensed professionals, and freelancers are all eligible. The minimum qualifying monthly income is ₱50,000, and the maximum debt-to-income ratio is 40%, which is standard across most Philippine banks. Typical loan approval takes around 23 days, which is faster than many competitors. If you're curious how Security Bank stacks up against other lenders, our Security Bank vs Metrobank refinance rates comparison and Chinabank vs Security Bank rates comparison for 2026 break down the differences in detail.
Applying for a Security Bank housing loan through Nook is completely free — Nook is the Philippines' first digital mortgage broker, and its service costs borrowers nothing. Instead of visiting a bank branch, filling out paperwork, and waiting for a callback, Nook lets you compare offers from multiple partner banks online, get expert guidance, and submit your application digitally. Whether you're a first-time buyer or a homeowner looking to refinance an existing loan at a lower rate, Nook simplifies the entire process. Please note that interest rates are subject to change — always verify the latest rates directly with Security Bank or through Nook before making a financial decision.
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's current housing loan rates for 2026 start at 6.99% p.a. for a 1-year fixed period and 6.75% p.a. for a 5-year fixed period. A Home Equity loan rate of 7.50% p.a. is also available. Rates are subject to change, so it's best to confirm the latest figures through Nook or directly with Security Bank.
Security Bank accepts applicants from a broad range of employment types, including private employees, government workers, BPO professionals, OFWs, seafarers, self-employed individuals, licensed professionals, and freelancers. The minimum monthly income requirement is ₱50,000, and your total monthly debt obligations should not exceed 40% of your gross monthly income.
Security Bank's typical loan approval timeline is around 23 days from submission of complete documents. This is faster than many other Philippine banks, making it a good option if you need to move relatively quickly on a property purchase or refinancing decision.
Yes, refinancing is one of the loan purposes explicitly supported by Security Bank. If you're currently paying a higher interest rate with another bank, refinancing to Security Bank's 6.75% 5-year fixed rate could meaningfully reduce your monthly payments and total interest over the life of your loan. Applying through Nook is free and lets you compare Security Bank's offer alongside other lenders.
Yes, Nook's mortgage brokering service is 100% free for borrowers. Nook earns a referral fee from the bank, not from you. You get access to multiple bank offers, expert advice, and a streamlined digital application process at no cost whatsoever.
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