Security Bank's 2026 housing loan promo offers a 1-year fixed rate starting at 6.99% p.a. — and through Nook, you can compare it against every major bank and apply for free.
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Why this matters
Security Bank is one of the Philippines' most competitive lenders for housing loans, and their 2026 promo rates reflect that. Qualified borrowers can access a 1-year fixed rate of 6.99% p.a., a 3-year fixed rate of 7.25% p.a., or a 5-year fixed rate of 7.75% p.a. — all significantly below what many homeowners are currently paying on older loan packages from any bank. If your existing home loan is sitting at 9% or higher, the math on switching can be compelling. For a deeper look at how these numbers stack up, see our complete guide to Security Bank housing loan interest rates in the Philippines.
Eligibility for Security Bank's housing loan promo is broader than many borrowers expect. The bank accepts applications from private employees, government workers, BPO professionals, OFWs, seafarers, self-employed individuals, and freelancers — with a minimum monthly income requirement of P50,000. Maximum debt-to-income ratio is 40%, and the typical approval timeline runs around 23 days. Loan purposes covered include purchase of ready-for-occupancy and pre-selling properties, refinancing of existing home loans, home equity, renovation, new construction, reselling, and foreclosed properties. For a full breakdown of what documents you'll need, visit our Security Bank housing loan requirements guide.
Applying through Nook means you get access to Security Bank's promo rates — plus rates from every other major lender on our panel — with zero broker fees. Nook's service is completely free to borrowers. Our mortgage specialists compare options across banks on your behalf, help you prepare your application, and support you through to approval. Interest rates are subject to change; the figures on this page reflect current published promos and should be verified at the time of 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's lowest promo rate for 2026 is 6.99% p.a. on a 1-year fixed term. If you prefer longer rate certainty, they also offer 7.25% for a 3-year fix and 7.75% for a 5-year fix. All rates are subject to change, so confirm the current offer when you apply.
Security Bank accepts a wide range of borrower types including salaried employees in the private sector, government workers, BPO staff, OFWs, seafarers, self-employed professionals, and freelancers. You'll need a minimum monthly income of P50,000 and a total debt-to-income ratio not exceeding 40%. Citizenship requirements apply, so OFWs should confirm documentation needed at application.
Yes — refinancing is one of the eligible loan purposes under Security Bank's housing loan program. If your current home loan is with another bank and carries a rate of 8%, 9%, or higher, switching to Security Bank's promo rate could meaningfully reduce your monthly repayment. Nook can help you calculate your exact savings and manage the refinancing process at no cost to you.
Security Bank's typical approval timeline is around 23 days from complete submission of documents. Preparing a complete and accurate application package upfront is the best way to avoid delays. Nook's mortgage specialists guide you through document preparation to help keep the process on track.
No — Nook's service is 100% free to borrowers. Nook earns a referral fee from the bank upon successful loan disbursement, which means you pay nothing extra to access broker support, rate comparisons, and application assistance. You get the same promo rate you would applying directly, but with expert guidance throughout.
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