Security Bank offers some of the most competitive housing loan rates in the Philippines — starting at 6.75% fixed for 5 years. See how much you could save by refinancing through Nook, completely free.
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Why this matters
Security Bank is one of the Philippines' most recognized universal banks and a Nook partner lender, offering housing loans with fixed-rate options of 6.99% for 1-year and 6.75% for 5-year fixed terms. These rates are among the most competitive available in the market today, making Security Bank a strong contender for both first-time homebuyers and existing borrowers looking to refinance. Whether you're purchasing a ready-for-occupancy unit, pre-selling property, or refinancing an existing loan, Security Bank has a product designed for your situation. You can learn more about eligibility and documentation in the Security Bank housing loan requirements guide.
To qualify, applicants need a minimum monthly income of 50,000 pesos and must keep their debt-to-income ratio at or below 40%. Security Bank accepts a wide range of employment types — including private employees, government workers, BPO professionals, OFWs, seafarers, self-employed individuals, and freelancers — making it one of the more accessible lenders in the Philippines. Typical loan approval takes around 23 business days, and Nook can help you prepare a complete application to avoid delays. If you want a side-by-side look at rates across all terms, check out the Security Bank housing loan interest rates comparison.
When you apply through Nook, you get a 100% free mortgage brokering service — no broker fees, no hidden charges. Nook submits your application directly to Security Bank and other partner lenders simultaneously, so you can compare real offers and choose the best rate for your financial situation. Many Filipino homeowners are still paying interest rates between 7% and 10% on loans that originated years ago. Refinancing to Security Bank's 5-year fixed rate of 6.75% could mean thousands of pesos back in your pocket every month. Note: Interest rates are subject to change. Please verify current rates with Security 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. A home equity loan option is also available at 7.50%. Rates are subject to change, so it's best to confirm the latest figures through Nook or directly with Security Bank.
Security Bank requires a minimum monthly income of 50,000 pesos and a debt-to-income ratio of no more than 40%. Eligible borrowers include private employees, government workers, BPO professionals, OFWs, seafarers, self-employed individuals, licensed professionals, and freelancers — making it one of the more inclusive lenders in the Philippines.
Security Bank typically processes and approves housing loan applications within 23 business days. Submitting a complete and accurate set of documents is the single biggest factor in avoiding delays, and Nook will guide you through exactly what's needed before your application is filed.
Yes, refinancing is one of the loan purposes Security Bank supports, and it's one of the most popular reasons borrowers apply through Nook. If your current rate is above 7%, switching to Security Bank's 5-year fixed rate of 6.75% could generate significant monthly savings over the life of your loan. See the full breakdown in our Security Bank refinancing guide.
No — Nook's service is completely free for borrowers. Nook earns a referral fee from the bank upon successful loan disbursement, so you never pay anything for the comparison, consultation, or application assistance. You get expert guidance and access to multiple lender offers at zero cost.
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