Security Bank is offering some of the most competitive housing loan rates in the Philippines right now — with 5-year fixed rates as low as 6.75% p.a. Find out if you qualify and how much you could save.
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Why this matters
Security Bank's 2026 housing loan promos are among the most borrower-friendly offers available in the Philippine market today. Whether you're buying your first home, refinancing an existing loan, or tapping your property's equity for renovations, Security Bank has a loan product designed for your situation. Their 1-year fixed rate starts at 6.99% p.a. and their popular 5-year fixed rate is locked in at just 6.75% p.a. — giving homeowners the flexibility to choose how long they want rate certainty. If you're currently paying 8% or more on a loan from another bank, the math on switching is hard to ignore. You can explore the full breakdown of current offers in our Security Bank housing loan interest rates guide.
Qualifying for a Security Bank housing loan promo is more accessible than many borrowers expect. You'll need a minimum monthly income of ₱50,000, and Security Bank accepts a wide range of employment types — including private employees, government workers, BPO professionals, OFWs, seafarers, the self-employed, and even freelancers. Their maximum debt-to-income ratio of 40% is standard across the industry, and typical approval takes around 23 days from complete document submission. For a complete walkthrough of what you'll need to prepare, see our Security Bank housing loan requirements guide.
Applying through Nook gives you a significant advantage: Nook is a free digital mortgage broker that lets you compare Security Bank's promo rates against offers from other leading Philippine banks — all in one place, at zero cost to you. Nook's team handles the paperwork coordination and bank follow-ups so you don't have to. Whether you're a first-time buyer or a homeowner looking to refinance, submitting your application through Nook means you get expert guidance without paying a single peso in broker fees. Interest rates are subject to change; always verify the latest figures directly with Security Bank or through a Nook advisor before finalising your application.
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 is currently offering a 1-year fixed rate of 6.99% p.a. and a 5-year fixed rate of 6.75% p.a. for housing loans, making them one of the more competitive options in the Philippine market right now. They also offer a Home Equity loan rate of 7.50% p.a. for borrowers looking to unlock the value of their existing property. Note that rates are subject to change, so it's worth confirming the latest figures with Security Bank or through Nook before you apply.
Security Bank accepts a broad range of borrower profiles, 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 — must not exceed 40% of your gross monthly income. If you're unsure whether you qualify, Nook can do a free pre-assessment before you formally apply.
Yes — refinancing is one of the eligible loan purposes under Security Bank's housing loan program, alongside purchases of ready-for-occupancy and pre-selling properties, new construction, renovation, and home equity loans. If you're currently paying a higher rate with another bank, refinancing to Security Bank's promo rate could significantly reduce your monthly payment. You can see a detailed breakdown of the refinancing process in our Security Bank home loan refinance guide.
Security Bank's typical approval timeline is around 23 days from the date you submit a complete set of documents. The key to a faster approval is making sure your documentary requirements — income documents, property papers, and identification — are complete and accurate from the start. Applying through Nook helps streamline this process because Nook's team reviews your documents before submission to minimise back-and-forth with the bank.
Yes, Nook's mortgage brokering service is completely free for borrowers — there are no broker fees, application fees, or hidden charges on Nook's end. Nook earns a referral fee from the bank when your loan is successfully processed, which means your interests and Nook's interests are fully aligned. You get access to multiple bank offers, free document support, and expert advice without paying anything extra.
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