Security Bank is offering fixed rates from 6.75% p.a. on housing loans in 2026 — and when you apply through Nook, our 100% free broker service helps you secure the best deal with zero hassle.
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Why this matters
Security Bank's 2026 housing loan promos are among the most competitive on the market right now — with a 5-year fixed rate of 6.75% p.a. and a 1-year fixed rate of 6.99% p.a. These promotional rates apply to a wide range of loan purposes including refinancing, ready-for-occupancy purchases, pre-selling, new construction, and home equity. Whether you're buying your first home or looking to refinance your existing loan to a lower rate, Security Bank has a product designed for you. Approval typically takes around 23 days, and income eligibility starts at P50,000 monthly — making it accessible to salaried employees, BPO workers, OFWs, self-employed professionals, and freelancers alike.
Many Filipino homeowners are still paying rates of 8% to 10% on loans they took out several years ago. With Security Bank's current promo rates, refinancing could free up thousands of pesos every single month. On a P3,000,000 loan with 20 years remaining, switching from a 9% rate to Security Bank's 6.75% 5-year fixed could save you over P4,200 per month — that's more than P50,000 a year back in your pocket. For a full breakdown of Security Bank's housing loan interest rates and how they compare to BDO, BPI, and other major banks, Nook has you covered with up-to-date comparisons.
Applying through Nook is completely free for borrowers. We handle the paperwork, liaise with Security Bank on your behalf, and make sure you're matched to the right loan structure for your situation — whether that's a short fixed period for flexibility or a longer lock-in for payment certainty. There's no obligation to proceed, and our team of mortgage specialists will walk you through every step. Interest rates are subject to change, so if you've been watching Security Bank's promo rates, now is the time to act before these offers are updated.
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. for housing loans in 2026. These promotional rates apply to new purchases, refinancing, renovation, and home equity loans. Rates are subject to change, so we recommend applying soon to lock in today's pricing.
Security Bank requires a minimum monthly income of P50,000 and a debt-to-income ratio of no more than 40%. The bank accepts borrowers from a wide range of employment types including private sector employees, government workers, BPO staff, OFWs and seafarers, self-employed individuals, professionals, and freelancers. You can review the full eligibility criteria in the Security Bank housing loan requirements guide.
Yes — refinancing is one of the eligible loan purposes under Security Bank's 2026 housing loan promos, and it's one of the most popular reasons borrowers come to Nook. If your current rate is above 7%, switching to Security Bank's 6.75% 5-year fixed could generate significant monthly savings. Nook will calculate your exact savings and manage the refinancing process for you at no cost.
Security Bank's typical approval timeline is around 23 banking days from the time a complete application is submitted. Applying through Nook helps speed up this process because our team pre-checks your documents for completeness before submission, reducing the chances of back-and-forth delays. We'll keep you updated at every stage of the approval process.
Yes, Nook's mortgage brokering service is 100% free to borrowers — there are no hidden fees, no application charges, and no obligation to proceed. Nook earns a referral fee from the bank only when a loan is successfully disbursed, which means we only get paid when you win. Our incentive is to get you the best possible rate and a smooth approval experience.
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