Security Bank is offering fixed rates starting at 6.99% p.a. — and through Nook, you can compare, apply, and lock in your best deal completely free.
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Why this matters
Security Bank regularly offers housing loan promos that give Filipino homebuyers and homeowners access to below-market fixed rates for select repricing periods. In 2026, their promo lineup includes a 1-year fixed rate at 6.99%, a 3-year fixed at 7.25%, and a 5-year fixed at 7.75% — all competitive options whether you're buying a new home or refinancing an existing loan to reduce your monthly payments. Security Bank accepts a wide range of borrower profiles including private and government employees, BPO workers, OFWs, seafarers, self-employed professionals, and freelancers, with a minimum monthly income requirement of ₱50,000.
What makes Security Bank's promo rates especially attractive is the combination of accessibility and speed — typical loan approval takes around 23 days, which is faster than many competing banks. Their maximum debt-to-income ratio of 40% is also borrower-friendly, meaning more applicants qualify even with existing financial obligations. Eligible loan purposes include refinancing, home equity, ready-for-occupancy (RFO) units, pre-selling properties, new construction, renovation, and reselling — giving you flexibility depending on your situation. If you're unsure whether you meet the criteria, check out the Security Bank housing loan requirements checklist to review documents and eligibility before you apply.
Applying through Nook means you get a licensed mortgage broker working on your behalf — at zero cost to you. Nook compares Security Bank's promo rates alongside other lenders to make sure you're getting the best deal available, handles your paperwork, and coordinates directly with the bank so you don't have to chase anyone. Whether you're a first-time buyer or a homeowner looking to refinance into a lower rate, Nook simplifies the entire process from application to approval. Interest rates are subject to change; always confirm current promo rates with Security Bank or through your Nook advisor before proceeding.
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 2026 promo rates start at 6.99% p.a. for a 1-year fixed term, 7.25% for 3 years fixed, and 7.75% for 5 years fixed. These rates are among the most competitive in the Philippine market and are available for both new purchase and refinancing loans. Note that rates are subject to change, so it's best to confirm current figures through Nook or directly with Security Bank.
Security Bank accepts a broad range of borrower types including private employees, government workers, BPO professionals, OFWs, seafarers, self-employed individuals, licensed professionals, and freelancers. You'll need a minimum monthly income of ₱50,000 and a debt-to-income ratio no higher than 40%. Filipino citizens and qualified foreign nationals may apply, subject to bank approval.
Security Bank's typical loan approval timeline is around 23 days from submission of complete documents, which is faster than the industry average. Timelines can vary depending on the completeness of your requirements and the complexity of the transaction. Applying through Nook can help speed things up since Nook prepares and reviews your documents before submission.
Yes — refinancing is one of the eligible loan purposes under Security Bank's housing loan program, and the promo rates apply. If you're currently paying 8%, 9%, or more with another bank, refinancing to Security Bank's 6.99% 1-year fixed rate could significantly reduce your monthly amortization. Nook can calculate your exact savings and handle the entire refinancing process for free.
No — Nook's service is 100% free to borrowers. Nook is compensated by the bank upon successful loan release, so you pay nothing for access to their mortgage advisors, document preparation, and bank coordination. You get the same Security Bank promo rates (or better) as applying directly, with the added benefit of expert guidance throughout the process.
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