Security Bank offers some of the most competitive housing loan rates in the Philippines — starting at 6.75% fixed for 5 years. If your current rate is above 7%, you could be saving thousands every month by refinancing through Nook for free.
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Why this matters
Security Bank is one of the Philippines' leading universal banks and a Nook partner — meaning you can apply for a Security Bank housing loan through Nook completely free of charge. Their 2026 housing loan rates are genuinely competitive: a 1-year fixed rate of 6.99% and a 5-year fixed rate of 6.75%, both well below the 8–10% rates many Filipino homeowners are still locked into. If you took out your home loan more than two years ago, there's a strong chance you're paying more than you need to. For a full breakdown of eligibility conditions alongside rates, see our Security Bank housing loan interest rates and requirements guide.
Security Bank accepts a wide range of borrower profiles — including private and government employees, BPO workers, OFWs, seafarers, self-employed professionals, and freelancers. The minimum qualifying income is 50,000 per month, and their maximum debt-to-income ratio is 40%, which is standard across major Philippine banks. Typical approval takes around 23 days, making Security Bank one of the faster lenders for refinancing in 2026. Their loan purposes are equally broad: refinancing, home equity, new construction, pre-selling, RFO, reselling, renovation, and foreclosed properties are all eligible.
Refinancing to Security Bank through Nook means you get professional mortgage broker support — rate comparisons, document guidance, and application management — at zero cost to you. Nook is paid by the bank, not the borrower. Whether you're looking to lower your monthly amortization, shorten your loan term, or access your home equity, it's worth running the numbers. You can also explore our Security Bank home loan refinancing guide to understand exactly how the process works from start to finish. Note that all published interest rates are subject to change — always verify the latest figures directly with the bank or through Nook before applying.
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 a 1-year fixed rate of 6.99% per annum and a 5-year fixed rate of 6.75% per annum for housing loans in 2026. A home equity loan rate of 7.50% is also available. These rates are subject to change, so we recommend confirming the latest figures through Nook or directly with Security Bank before you apply.
Security Bank accepts borrowers from a wide range of employment types, including private and government employees, BPO workers, OFWs, seafarers, self-employed individuals, licensed professionals, and freelancers. The minimum monthly income requirement is 50,000, and your total monthly debt obligations — including the new loan payment — must not exceed 40% of your gross monthly income. You can find the full list of documentary requirements in our Security Bank housing loan requirements guide.
Security Bank's typical approval timeline is around 23 business days from submission of complete documents, which is faster than many competing banks in the Philippines. Having all your requirements ready at the time of submission is the single biggest factor in avoiding delays. Applying through Nook helps because our team reviews your documents before submission to catch any gaps early.
If your current home loan rate is above 7.5% and you have more than five years remaining on your loan term, refinancing to Security Bank could result in meaningful monthly savings. For a 3,000,000 loan on a 20-year term, moving from an 8.5% rate to Security Bank's 5-year fixed rate of 6.75% reduces your monthly payment by roughly 3,000 pesos — that's over 36,000 per year. The key is to factor in any penalties from your current bank and the one-time costs of refinancing before deciding.
Nook is a 100% free service for borrowers — there are no broker fees, application fees, or hidden charges at any stage. You submit your details once through Nook, and our team handles the comparison, paperwork coordination, and bank submission on your behalf. Nook is compensated directly by the bank when your loan is approved, so you receive full broker support at no cost to you.
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