Security Bank's 2026 housing loan promo offers fixed rates starting at 6.99% p.a. — and through Nook, you can compare and apply for free to make sure you're getting the best deal available.
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Why this matters
Security Bank is one of the Philippines' most competitive home loan lenders in 2026, offering fixed-rate housing loan promos that give borrowers predictable monthly payments and protection against rate hikes. Their current promo rates start at 6.99% p.a. for a 1-year fixed term, with longer fixed periods available at 7.25% (3-year) and 7.75% (5-year). These rates are available for a range of loan purposes including refinancing, ready-for-occupancy purchases, pre-selling, renovation, and home equity. If you're currently paying 8% or more on an existing home loan, refinancing with Security Bank through Nook could reduce your monthly amortisation significantly and save you hundreds of thousands over the life of your loan.
Eligibility for the Security Bank housing loan promo is accessible to a wide range of borrowers. You'll need a minimum monthly income of P50,000, and the bank accepts private employees, government workers, BPO professionals, OFWs, seafarers, self-employed individuals, and freelancers. The maximum debt-to-income ratio is 40%, and typical loan approval takes around 23 days from submission of complete documents. For a full breakdown of what you'll need to prepare, see the complete Security Bank housing loan requirements guide to get your application ready before you apply.
Applying through Nook means you get a licensed mortgage broker working on your behalf — at zero cost to you. Nook submits your application to Security Bank and other partner lenders simultaneously, so you can compare real offers side by side rather than guessing which bank gives the best deal. There are no broker fees, no hidden charges, and no obligation to proceed. Whether you're buying your first home or refinancing an existing loan to cut costs, Nook makes the process faster, clearer, and completely free. Interest rates are subject to change — always verify the latest promo rates directly through Nook or Security Bank 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 current promo rates start at 6.99% p.a. for a 1-year fixed term, 7.25% for 3-year fixed, and 7.75% for 5-year fixed. These are among the most competitive rates available from a major Philippine commercial bank right now. Note that rates are subject to change, so it's best to apply through Nook to lock in the latest available offer.
Security Bank accepts a broad range of borrowers including private and government employees, BPO workers, OFWs, seafarers, self-employed professionals, and freelancers. The minimum monthly income requirement is P50,000, and your total debt obligations should not exceed 40% of your gross monthly income. Both Filipino citizens and qualified foreign nationals may apply.
Yes — refinancing is one of the eligible loan purposes under Security Bank's housing loan promo. If you're currently paying a higher rate with another bank, switching to Security Bank through Nook can reduce your monthly amortisation and generate significant long-term savings. Nook will assess your current loan and help you determine if refinancing makes financial sense before you commit.
Security Bank's typical approval timeline is around 23 days from the submission of complete documents. Incomplete submissions are the most common cause of delays, so preparing your documents properly upfront makes a real difference. Nook's mortgage advisors will guide you through the exact requirements so your application is complete and ready to process from day one.
No — Nook's service is completely free for borrowers. Nook is compensated by the bank upon successful loan disbursement, so you pay nothing for expert mortgage advice, application assistance, or rate comparison. You get the same Security Bank promo rates (or better, through Nook's negotiated access) without any additional broker charge on your end.
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