Security Bank is offering competitive housing loan rates starting at 6.75% p.a. for 2026 — and when you apply through Nook, our free broker service helps you qualify faster and skip the paperwork headaches.
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Why this matters
Security Bank's 2026 housing loan promos are designed for Filipino homebuyers and homeowners who want more competitive rates without the usual bank runaround. Their current promo lineup includes a 5-year fixed rate of 6.75% p.a. and a 1-year fixed rate of 6.99% p.a. — both well below what many existing borrowers are currently paying at other banks. Whether you're buying a new home, refinancing an existing loan, or tapping your home equity for renovations, Security Bank has a loan purpose that fits. You can find a full breakdown of their rates and eligibility criteria in our Security Bank housing loan interest rates guide.
Qualifying for a Security Bank housing loan promo isn't as complicated as it sounds. They accept a wide range of borrower types — private employees, government workers, BPO professionals, OFWs, seafarers, self-employed individuals, and even freelancers. The minimum monthly income requirement is ₱50,000, and their maximum debt-to-income ratio of 40% is among the more accessible in the market. Approval typically takes around 23 business days, which is faster than many Philippine banks. If you want to know exactly what documents to prepare, our Security Bank housing loan requirements guide walks you through the full checklist.
Applying through Nook means you get a dedicated mortgage broker on your side — completely free of charge. We help you compare Security Bank's promo rates against other partner banks, prepare your documents correctly the first time, and follow up on your behalf so nothing falls through the cracks. There are no broker fees, no hidden charges, and no obligation to proceed. Interest rates are subject to change without prior notice, so it's worth locking in a promo rate sooner rather than later — reach out to Nook today to check what you currently qualify for.
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 5-year fixed rate of 6.75% p.a. and a 1-year fixed rate of 6.99% p.a. as part of their 2026 housing loan lineup. A Home Equity loan option is also available at 7.50% p.a. These rates are subject to change, so we recommend verifying the latest figures directly through Nook before you apply.
Security Bank accepts a broad range of borrower profiles including private employees, government workers, BPO staff, OFWs, seafarers, self-employed individuals, professionals, and freelancers. The minimum qualifying income is ₱50,000 per month, and your total monthly debt obligations should not exceed 40% of your gross 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 program. If you're currently paying a higher rate at another bank, switching to Security Bank through Nook could significantly reduce your monthly amortisation. Check out our guide on Security Bank home loan refinancing to understand how the process works.
Security Bank's typical approval timeline is around 23 business days from the submission of complete documents. Incomplete applications are one of the most common causes of delays, which is why applying through Nook — where our team reviews your documents before submission — can help keep the process on track.
No — Nook's mortgage brokering service is completely free for borrowers. We are compensated by the bank upon successful loan disbursement, which means you get expert guidance, document support, and rate comparison at zero cost to you. There's no obligation to proceed once you inquire, so there's no risk in getting started.
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