Security Bank offers competitive fixed-rate housing loans starting at 6.99% p.a. — and if you're refinancing an existing loan, Nook can help you find an even lower rate at zero broker cost.
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Why this matters
Security Bank is one of the Philippines' most recognized private commercial banks, and its housing loan products are popular among salaried professionals, OFWs, self-employed borrowers, and even freelancers. For 2026, Security Bank's fixed-rate housing loan options are: 1-Year Fixed at 6.99% p.a., 3-Year Fixed at 7.25% p.a., and 5-Year Fixed at 7.75% p.a.. There is also a Home Equity option at 7.50% p.a. for borrowers who want to tap into the value of an existing property. These rates apply to a range of loan purposes including refinancing, ready-for-occupancy purchases, pre-selling units, new construction, reselling, renovation, and foreclosed properties — making Security Bank one of the more flexible lenders in the market.
To qualify for a Security Bank housing loan, you'll need a minimum monthly income of ₱50,000 and a debt-to-income ratio of no more than 40%. Most applications are processed within approximately 23 business days, which is competitive compared to other major Philippine banks. If you're currently paying a higher rate with another lender — many Filipino homeowners are still on rates between 7% and 10% — refinancing your loan to Security Bank through Nook could significantly reduce your monthly payments. You can check the full eligibility details and prepare your documents using the Security Bank housing loan requirements checklist for 2026.
Applying through Nook is completely free for borrowers. Nook acts as a digital mortgage broker, comparing rates across multiple partner banks — including Security Bank — and guiding you through the application process at no charge. Whether you're buying a new home or looking to refinance an existing loan to a lower rate, Nook handles the legwork so you don't have to. If you're ready to start, you can also review the Security Bank home loan application form guide to understand what to expect before you submit. Note that all interest rates are subject to change — always verify current rates with Security Bank or through Nook before making financial decisions.
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 fixed-rate housing loans at 6.99% p.a. for a 1-year fixed period, 7.25% p.a. for 3 years, and 7.75% p.a. for 5 years. There is also a Home Equity loan option at 7.50% p.a. Rates are subject to change, so it's best to confirm the latest figures through Nook or directly with Security Bank before applying.
Security Bank accepts applications from a wide range of borrower types, including private employees, government workers, BPO employees, OFWs and seafarers, self-employed individuals, licensed professionals, and freelancers. You'll need a minimum monthly income of ₱50,000 and a debt-to-income ratio of 40% or below to qualify.
Security Bank's typical approval timeline is around 23 business days from the time your complete documents are submitted. Having all your paperwork in order before you apply is the best way to avoid delays — you can use the full documents checklist to prepare in advance.
Yes, refinancing is one of the accepted loan purposes for Security Bank housing loans. If you're currently paying a higher rate with BDO, BPI, Metrobank, or any other lender, you may be able to refinance to a lower rate through Security Bank and reduce your monthly payment significantly. Nook can run the numbers for you and compare options across multiple banks — all for free.
No — Nook's mortgage brokering service is completely free to borrowers. Nook earns a referral fee from the bank upon successful loan disbursement, so there is no charge to you at any stage of the process. You get access to expert guidance and rate comparisons without paying anything out of pocket.
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