Security Bank is offering some of the most competitive fixed rates in the market right now — as low as 6.75% p.a. on a 5-year fix. Apply through Nook for free and make sure you're getting the best deal available.
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Why this matters
Security Bank regularly runs housing loan promos that include reduced fixed rates, waived processing fees, and other limited-time incentives for qualified borrowers. In 2026, their standout promo rates are 6.99% p.a. on a 1-year fix and 6.75% p.a. on a 5-year fix — both significantly lower than the 7% to 10% that many Filipino homeowners are currently paying on older loans. If your existing home loan was taken out more than two years ago, there's a strong chance you're overpaying every single month. You can learn more about how these rates stack up in our complete guide to Security Bank housing loan interest rates.
Applying during a promo window matters because fee waivers and rate specials can expire without much notice. Security Bank's current promo offers are available across multiple loan purposes — including refinancing, ready-for-occupancy purchases, pre-selling, renovation, and home equity — and are open to a wide range of employment types including salaried employees, BPO workers, OFWs, seafarers, self-employed professionals, and freelancers. The minimum monthly income requirement is ₱50,000, and approvals typically come through in around 23 days. If you're unsure whether you qualify, our Security Bank housing loan requirements guide breaks it all down clearly.
Nook acts as your free digital mortgage broker, meaning we handle the comparison, paperwork coordination, and bank communication on your behalf — at zero cost to you. We submit your application directly to Security Bank and advocate for your approval. Whether you're refinancing an existing loan to take advantage of promo rates, or buying a new property, Nook ensures you capture the best available deal. Interest rates are subject to change; we recommend applying sooner rather than later to lock in current promo pricing.
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 current promo rates are 6.99% p.a. for a 1-year fixed term and 6.75% p.a. for a 5-year fixed term. These are among the most competitive rates available in the Philippine market right now, and they're accessible to a wide range of borrower types. Rates are subject to change, so it's worth locking in sooner rather than later.
Security Bank accepts applications from private and government employees, BPO workers, OFWs, seafarers, self-employed individuals, licensed professionals, and freelancers. The minimum monthly income requirement is ₱50,000, and the maximum debt-to-income ratio allowed is 40%. If you're unsure whether you qualify, applying through Nook is free and our team can assess your eligibility before submission.
Yes — refinancing is one of the eligible loan purposes under Security Bank's current housing loan promo. This means if you're currently paying a higher rate with another bank, you could refinance to Security Bank and take advantage of the promo fixed rate. Check out our Security Bank home loan refinancing guide for a step-by-step breakdown of how the process works.
Specific fee waivers vary depending on the active promo period and loan type, and they can change without much advance notice. When you apply through Nook, we'll confirm exactly which fees are waived at the time of your application and make sure you're getting the full benefit of whatever promo is currently running. Our service is completely free to borrowers.
Security Bank's typical approval timeline is around 23 days from submission of complete documents. Nook helps you prepare and organize your requirements upfront, which reduces back-and-forth and helps move your application through faster. Incomplete applications are the most common cause of delays, so getting your documents right the first time makes a real difference.
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