Security Bank is offering fixed rates from 6.75% p.a. on home loans in 2026 — and through Nook, you can apply or refinance for completely free.
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Why this matters
Security Bank is one of the Philippines' most competitive home loan lenders, and their 2026 promo rates make them worth a serious look — whether you're buying your first home or refinancing an existing loan. Their 5-year fixed rate of 6.75% p.a. is among the sharpest available in the market right now, and their 1-year fixed option at 6.99% p.a. gives borrowers added flexibility if you prefer shorter repricing cycles. For a full breakdown of what these rates mean for your monthly payments, see our Security Bank housing loan interest rates guide.
What sets Security Bank apart isn't just the rate — it's the accessibility. With a minimum monthly income requirement of just PHP 50,000 and approval in as fast as 23 days, they cater to a wide range of borrowers: salaried employees in the private sector, government workers, BPO professionals, OFWs, seafarers, self-employed individuals, and freelancers. They also support multiple loan purposes including refinancing, renovation, home equity, pre-selling, RFO, and new construction. If you're planning to refinance, our Security Bank home loan refinance guide walks through everything you need to know.
Through Nook, applying for a Security Bank housing loan promo costs you nothing. Nook is the Philippines' first digital mortgage broker — we compare lenders, handle paperwork, and guide you through every step of the process at zero charge to you. Most homeowners currently paying 8% to 10% on their home loan could save thousands every month simply by switching. Use the savings calculator above to see exactly what you could keep in your pocket. Note: interest rates are subject to change — verify current rates with Nook or Security Bank directly before applying.
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 a 1-year fixed rate of 6.99% p.a. and a 5-year fixed rate of 6.75% p.a. on housing loans in 2026. They also offer a Home Equity loan product at 7.50% p.a. These are among the most competitive rates available through Nook's panel of partner banks, though rates are subject to change — confirm the latest figures before you apply.
Security Bank accepts a broad range of borrower profiles, including private-sector employees, government workers, BPO staff, OFWs, seafarers, self-employed professionals, and freelancers. The minimum monthly income requirement is PHP 50,000, and your total debt obligations should not exceed 40% of your gross monthly income. Check the complete Security Bank housing loan requirements guide for a full eligibility checklist.
Yes — refinancing is one of the supported loan purposes under Security Bank's housing loan program. If you're currently paying a higher rate with another bank, switching to Security Bank through Nook could significantly reduce your monthly payment. Nook handles the comparison and application process for you at no cost.
Security Bank typically approves housing loan applications in approximately 23 days, which is faster than many other Philippine banks. The timeline can vary depending on the completeness of your documents and your chosen loan purpose. Applying through Nook helps ensure your documents are in order before submission, which can speed things up further.
Nook is a licensed digital mortgage broker that works with Security Bank and other major Philippine lenders. We compare available rates, assess your eligibility, and manage your application from start to finish — all at zero cost to you, the borrower. Banks pay Nook a referral fee, so you get expert guidance without paying a single peso in broker fees.
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