Security Bank is offering competitive housing loan rates starting at 6.99% p.a. in 2026 — and Nook helps you access the best available deal for free.
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Why this matters
Security Bank's 2026 housing loan promos are among the most competitive in the Philippine market, with fixed rates starting at 6.99% p.a. for a 1-year lock-in period. Whether you're purchasing a new home, refinancing an existing loan, or tapping your property's equity, Security Bank offers flexible loan purposes including Ready for Occupancy (RFO) units, pre-selling properties, renovation, and refinancing — making it one of the most versatile lenders available. You can learn more about eligibility and documentary requirements in our Security Bank Housing Loan Requirements 2026 guide.
What makes Security Bank's 2026 promos particularly attractive is the combination of accessible income thresholds and broad borrower eligibility. With a minimum monthly income requirement of ₱50,000 and approval of applicants across employment types — including private employees, government workers, BPO staff, OFWs, seafarers, self-employed professionals, and even freelancers — Security Bank caters to a wide range of Filipino homebuyers and homeowners. Typical loan approval takes around 23 days, which is faster than many competing banks. For a full breakdown of current fixed rates across all repricing periods, see our Security Bank Housing Loan Interest Rates guide.
Through Nook, applying for a Security Bank housing loan or refinancing your existing mortgage is completely free. As the Philippines' first digital mortgage broker, Nook compares rates across multiple lenders and handles the heavy lifting — so you get the best possible deal without paying a single peso in broker fees. Whether you're chasing Security Bank's 2026 promo rates or want to see how they stack up against BPI or BDO, Nook gives you a clear, unbiased comparison in minutes. Note that interest rates are subject to change; always verify the latest rates with your Nook advisor before submitting your application.
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 2026 housing loan rates start at 6.99% p.a. for a 1-year fixed period, 7.25% p.a. for 3-year fixed, and 7.75% p.a. for 5-year fixed. These rates apply to eligible borrowers across a range of loan purposes including home purchase, refinancing, and renovation. Rates are subject to change, so it's best to check with Nook for the most current figures before applying.
Security Bank accepts a wide range of borrower profiles including private employees, government workers, BPO employees, OFWs, seafarers, self-employed individuals, professionals, and freelancers. The minimum monthly income requirement is ₱50,000, and your total debt-to-income ratio must not exceed 40%. This makes Security Bank's promo accessible to many Filipino households who may be turned away by more restrictive lenders.
Security Bank's 1-year fixed rate of 6.99% p.a. is competitive against BPI and BDO's standard housing loan offerings, and Security Bank's broader eligibility criteria — particularly for freelancers and OFWs — gives it an edge for non-traditional borrowers. Processing time at Security Bank typically runs around 23 days, which is comparable or faster than many competing banks. Nook can run a side-by-side comparison across all three lenders so you can make an informed decision.
Yes — refinancing is one of the loan purposes explicitly supported under Security Bank's 2026 housing loan program. If you're currently paying 8%, 9%, or even 10% interest with another bank, switching to Security Bank's 6.99% promo rate could save you thousands of pesos every month. Nook specialises in home loan refinancing and can manage the entire process at zero cost to you — see our Security Bank Home Loan Refinance guide for a step-by-step overview.
Yes, Nook's mortgage brokering service is 100% free to borrowers. Nook is compensated directly by the bank upon successful loan disbursement, meaning you receive full broker support — rate comparison, document preparation, and application management — at no cost. There are no hidden fees, no markups on the rate, and no obligation to proceed if you're not satisfied with the offer presented.
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