Security Bank is offering competitive fixed rates starting at 6.75% p.a. in 2026 — and when you apply through Nook, you get free broker assistance, zero service fees, and access to the best available promo terms.
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Why this matters
Security Bank's 2026 housing loan promos are among the most competitive offers available to Filipino homebuyers and homeowners looking to refinance. With a 5-year fixed rate of 6.75% p.a. and a 1-year fixed rate of 6.99% p.a., Security Bank is giving borrowers a real opportunity to lock in lower monthly payments — whether you're purchasing a new home, refinancing an existing loan, or tapping your home equity for renovation or other needs. Limited-time promos may also include processing fee waivers or reduced miscellaneous charges, so timing your application matters. You can learn more about Security Bank housing loan interest rates in the Philippines to understand how these promo rates compare across fixing periods.
Qualifying for Security Bank's promo rates in 2026 is more accessible than many borrowers expect. The bank accepts a wide range of applicants — including private employees, government workers, BPO employees, OFWs, seafarers, self-employed professionals, and freelancers — with a minimum monthly income requirement of just 50,000 pesos. Approval typically takes around 23 working days, and the bank's maximum debt-to-income ratio of 40% gives most middle-income borrowers a solid chance of qualifying. If you're refinancing, Nook can help you understand Security Bank's home loan refinance process from start to finish, at absolutely no cost to you.
Applying through Nook means you get an independent broker working on your behalf — comparing Security Bank's promo offers against other lenders, preparing your documents, and guiding you through every step of the process. Nook's service is 100% free for borrowers; we're paid by the bank only when your loan is approved. Whether you're a first-time buyer eyeing a ready-for-occupancy unit or an existing homeowner looking to cut your monthly mortgage, the 2026 Security Bank housing loan promo is worth exploring now before rates or promo terms change. Note that all interest rates are subject to change — verify the latest figures directly with Security Bank or through Nook before finalising 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 promos include discounted fixed rates starting at 6.75% p.a. for a 5-year fixing period and 6.99% p.a. for a 1-year fix. Depending on the promo period, Security Bank may also waive or reduce processing fees — Nook can confirm the latest active promos when you get in touch, as these offers are time-limited and subject to change.
Security Bank accepts applications from a broad range of borrowers including private employees, government workers, BPO staff, OFWs, seafarers, self-employed individuals, professionals, and freelancers. The minimum monthly income requirement is 50,000 pesos, and your total debt obligations should not exceed 40% of your gross monthly income.
Yes — refinancing is one of the eligible loan purposes under Security Bank's housing loan program, and promo rates apply to refinance applications as well. If you're currently paying 8% or more with another bank, switching to Security Bank's 6.75% 5-year fixed rate could meaningfully reduce your monthly payment. Nook can run a free comparison to show you your exact savings.
Security Bank's typical loan approval timeline is around 23 working days from the time a complete set of documents is submitted. Working with Nook can help streamline this process — our team reviews your documents before submission to minimise back-and-forth with the bank and reduce delays.
No — Nook's mortgage brokering service is completely free for borrowers. We are compensated directly by the bank upon successful loan approval, so you receive full broker assistance, document guidance, and rate comparison at zero cost to you. You get the same Security Bank promo rate (or better) as applying directly, with the added benefit of expert support throughout the process.
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