Security Bank is offering some of the most competitive housing loan rates in the Philippines right now — starting at 6.99% p.a. for a 1-year fixed term. Find out if you qualify and how to apply through Nook for free.
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Why this matters
Security Bank's 2026 housing loan promo brings genuinely attractive fixed rates to Filipino homebuyers and homeowners looking to refinance. With a 1-year fixed rate of 6.99%, a 3-year fixed rate of 7.25%, and a 5-year fixed rate of 7.75%, Security Bank sits among the more competitive options available in the local market today. Whether you're purchasing a ready-for-occupancy property, refinancing an existing loan, or tapping your home equity for renovation or other needs, Security Bank has a loan purpose that fits. To make sure you're submitting a complete application, check out the full Security Bank housing loan requirements and documents checklist before you start.
Qualifying for Security Bank's promo rates is more accessible than many borrowers expect. The minimum monthly income requirement is ₱50,000, and the bank accepts a wide range of employment types — including private employees, government workers, BPO professionals, OFWs, seafarers, self-employed individuals, and freelancers. The maximum debt-to-income ratio is 40%, and Security Bank's typical approval timeline is around 23 banking days — faster than many competing lenders. If you're ready to move forward, you can also review how to fill out and submit the Security Bank home loan application form online to get a head start.
Applying through Nook means you get expert help navigating Security Bank's requirements, comparing it against other lenders, and submitting a stronger application — all at zero cost to you. Nook's broker service is 100% free for borrowers. We handle the legwork so you can focus on what matters: securing the best rate on your home loan before the promo window closes. Note that all interest rates are subject to change without prior notice — we recommend verifying current rates directly with Security Bank or through Nook before making any financial decisions.
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 fixed rates starting at 6.99% p.a. for a 1-year term, 7.25% for a 3-year term, and 7.75% for a 5-year term. These are among the more competitive rates available in the Philippine market right now. Rates are subject to change, so it's best to confirm current figures with Security Bank or through Nook before applying.
To qualify, you generally need a minimum monthly income of ₱50,000 and a total debt-to-income ratio no higher than 40%. Security Bank accepts borrowers from a wide range of employment types, including private employees, government workers, BPO staff, OFWs, seafarers, self-employed individuals, professionals, and freelancers. Meeting these basic thresholds puts you in a strong position to apply.
Security Bank's typical loan approval timeline is around 23 banking days from the date of complete document submission. Incomplete applications are one of the most common causes of delays, so make sure all required documents are in order before submitting. Applying through Nook can help ensure your application package is complete from the start.
Yes — refinancing is one of the eligible loan purposes under Security Bank's housing loan program. If you're currently paying a higher rate with another bank, refinancing to Security Bank's promo rate could significantly reduce your monthly repayment. Use Nook's free service to compare your current loan against Security Bank's offer and find out how much you could save.
No — Nook's mortgage brokering service is completely free for borrowers. Nook earns a fee from the bank, not from you, so you get professional guidance, lender comparison, and application support at zero cost. There are no hidden charges or obligations when you apply through Nook.
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