Security Bank's 2026 housing loan promos offer rates starting at 6.99% p.a. — and through Nook, you can compare, apply, and save with zero broker fees.
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Why this matters
Security Bank is one of the Philippines' most competitive home loan lenders in 2026, offering fixed-rate packages from 6.99% p.a. for a 1-year fixed term up to 7.75% for a 5-year fixed term. For homeowners currently locked into rates of 8% or higher — which describes a significant portion of borrowers who took out loans between 2018 and 2023 — refinancing to a Security Bank promo rate can translate to meaningful monthly relief. The bank accepts a wide range of borrower profiles, including private employees, government workers, BPO staff, OFWs, seafarers, self-employed professionals, and freelancers, with a minimum monthly income requirement of ₱50,000. You can learn more about eligibility in our Security Bank housing loan requirements guide.
Beyond the headline rate, Security Bank periodically offers limited promotional packages that may include waived processing fees, discounted appraisal charges, or flexible re-pricing options. These promos are typically available for a limited window, so timing your application matters. Through Nook, you get access to Security Bank's current promo offerings alongside other leading banks — so you're not just getting a good rate, you're getting the best available rate at that moment. Nook's digital mortgage broker service is completely free to borrowers; we're compensated by the bank, not by you.
If you're refinancing an existing loan, Security Bank's typical approval timeline is around 23 working days, and their maximum debt-to-income ratio is 40%, which is standard among Philippine banks. For a deeper look at how Security Bank's rates stack up across different fixed-rate periods, visit our complete Security Bank interest rates guide. Whether you're refinancing, doing a home equity takeout, or funding a renovation, Nook can help you match the right Security Bank product to your situation — at no cost to you. Note that all rates are subject to change; always verify current offers 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 fixed rates starting at 6.99% p.a. for a 1-year fixed term, 7.25% for 3 years, and 7.75% for 5 years. Promotional offers may include fee waivers or special re-pricing terms for a limited period. Always check with Nook or Security Bank directly to confirm the latest promo rates, as these are subject to change.
Security Bank accepts a broad range of borrower 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 debt obligations should not exceed 40% of your gross monthly income. You can review the full eligibility checklist in our Security Bank housing loan requirements guide.
Yes — refinancing is one of the loan purposes supported by Security Bank, and promo rates apply to refinancing applications as well as new purchases. If your current loan is at 8% or higher, refinancing to Security Bank's 6.99% introductory rate could significantly reduce your monthly payment. Nook can calculate your exact savings and guide you through the process at no charge.
Security Bank's typical approval timeline is approximately 23 working days from submission of complete documents. Having your paperwork in order — including proof of income, property documents, and valid IDs — helps avoid delays. Nook provides a document checklist and reviews your application before submission to improve your chances of smooth, on-time approval.
No — Nook's service is 100% free for borrowers. Nook earns a referral fee from the bank once your loan is approved, so you never pay anything extra for access to our comparison tools, broker guidance, or application support. You get the same bank rates you'd get applying directly, plus expert assistance at zero additional cost.
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