Security Bank offers competitive fixed-rate home loans starting at 6.99% p.a. — and through Nook, you can compare, apply, and potentially save thousands every month at zero broker fee.
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Why this matters
Security Bank is one of the Philippines' most competitive lenders for housing loans in 2026, offering fixed-rate terms across 1, 3, and 5-year periods. Their 1-year fixed rate stands at 6.99% p.a., the 3-year fixed at 7.25% p.a., and the 5-year fixed at 7.75% p.a. — all among the sharper rates available in the market today. Whether you're buying a ready-for-occupancy property, refinancing an existing loan, or funding a renovation, Security Bank accommodates a wide range of loan purposes. They also accept diverse borrower profiles including salaried employees, OFWs, self-employed professionals, and freelancers, with a minimum monthly income requirement of P50,000 and a typical approval timeline of around 23 days. If you want to review what documents you'll need before applying, see the Security Bank housing loan requirements and full documents checklist for a complete breakdown.
Many Filipino homeowners are still carrying home loans at rates between 8% and 10% — legacy rates locked in years ago when competition was less intense. Refinancing to Security Bank's current rates can meaningfully reduce your monthly amortization and free up cash for other financial goals. On a P3,000,000 loan with 20 years remaining, even a modest rate reduction can translate to tens of thousands of pesos saved annually. Through Nook, the Philippines' first digital mortgage broker, you can compare Security Bank's rates alongside other top lenders without paying a single peso in brokerage fees — the service is completely free to borrowers.
Applying through Nook also means you get expert guidance on which fixed-term period suits your situation best. A 1-year fixed term offers the lowest entry rate but reprices sooner, while a 5-year fixed gives longer payment certainty at a slightly higher rate. Your choice depends on your income stability, how long you plan to hold the property, and your risk tolerance. Once you've reviewed your rate options, you can move straight to the Security Bank home loan application form guide to understand exactly how to submit your application online. Note that all interest rates are subject to change — always verify current rates with Security Bank or through Nook before making a final 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 fixed rates are 6.99% p.a. for a 1-year fixed term, 7.25% p.a. for 3 years, and 7.75% p.a. for 5 years. A Home Equity loan option is also available at 7.50% p.a. These rates are among the more competitive offerings in the Philippine market, though they are subject to change — check with Nook or Security Bank directly for the most up-to-date figures.
Security Bank accepts a broad range of borrower types including private and government employees, BPO workers, OFWs and seafarers, self-employed individuals, licensed professionals, and freelancers. The minimum monthly income requirement is P50,000, and your total debt-to-income ratio should not exceed 40%. Filipino citizens and qualified foreign nationals purchasing property in the Philippines may apply.
Security Bank's typical loan approval timeline is approximately 23 banking days from the time a complete application is submitted. Processing time can vary depending on the completeness of your documents and the complexity of your case. Applying through Nook can help you prepare a complete application package, which reduces the chance of delays due to missing requirements.
Security Bank supports a wide range of loan purposes including purchase of ready-for-occupancy (RFO) and pre-selling properties, refinancing of existing home loans, home renovation, new construction, reselling of properties, and home equity cash-out. This flexibility makes it a strong option whether you're a first-time buyer, an upgrader, or an existing homeowner looking to lower your current rate through refinancing.
Yes — Nook's mortgage brokering service is completely free to borrowers. Nook earns a referral fee from the bank, not from you, so you can compare multiple lenders, get expert advice, and submit your application without any out-of-pocket brokerage cost. Using a broker like Nook can also improve your chances of approval by matching you with the lender best suited to your financial profile.
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