Security Bank offers some of the most competitive housing loan rates in the Philippines — starting at 6.75% p.a. for a 5-year fixed term. See how much you could save by applying through Nook for free.
SAMPLE MONTHLY SAVINGS
No commitment. No credit check. Just your numbers.
Why this matters
Security Bank is one of the Philippines' most trusted universal banks, and its housing loan lineup is built for borrowers who want flexibility and competitive pricing. For 2026, Security Bank is offering a 1-year fixed rate of 6.99% p.a. and a 5-year fixed rate of 6.75% p.a. — both well below what many Filipino homeowners are currently paying on older loans. If your existing home loan is charging you 8% or higher, refinancing to Security Bank could mean thousands of pesos back in your pocket every single month. You can review the full breakdown of current figures in our Security Bank housing loan interest rates guide.
Qualifying for a Security Bank housing loan is more accessible than many borrowers expect. The bank accepts a wide range of employment types — including private employees, government workers, BPO professionals, OFWs, seafarers, self-employed individuals, and freelancers — with a minimum monthly income requirement of P50,000. Approval typically takes around 23 days, which is faster than the industry average. Security Bank also supports a broad range of loan purposes, from refinancing and home equity to new construction, pre-selling units, RFO properties, and renovation projects. For a complete checklist, see our Security Bank housing loan requirements guide.
When you apply through Nook, you get access to Security Bank's rates at absolutely no cost to you — Nook's service is 100% free for borrowers. Nook's mortgage specialists will help you prepare your documents, compare Security Bank's offer against other lenders, and guide you through the application from start to finish. Whether you're a first-time buyer or looking to refinance your existing loan, Nook makes it easy to find out if Security Bank is the right fit. Please note that interest rates are subject to change — always verify the latest rates directly with Security Bank or through Nook before making a decision.
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. There is also a Home Equity option at 7.50% p.a. Rates are subject to change, so it's best to confirm the latest figures with Security Bank or through Nook before applying.
Security Bank accepts borrowers from a wide range of employment backgrounds, including private employees, government workers, BPO professionals, OFWs, seafarers, self-employed individuals, professionals, and freelancers. The minimum monthly income requirement is P50,000, and your total debt-to-income ratio must not exceed 40%. Both Filipino citizens and qualified foreign nationals may be eligible.
Security Bank's typical approval timeline is around 23 days from the time a complete application is submitted. Having all your documents in order before you apply is the best way to avoid delays. Nook's mortgage specialists can help you prepare a complete file to keep things on track.
Yes — refinancing is one of the supported loan purposes for Security Bank housing loans. If you're currently paying a rate above 7% or 8%, switching to Security Bank's 5-year fixed rate of 6.75% p.a. could significantly reduce your monthly repayments. You can learn more about the process in our Security Bank home loan refinancing guide.
Yes, Nook's service is completely free for borrowers — there are no broker fees, no hidden charges, and no obligation to proceed after your free consultation. Nook earns a referral fee from the bank, not from you. You get expert guidance, document support, and access to competitive rates from Security Bank and other partner lenders at zero cost.
Check your exact savings in 60 seconds. It's free and takes no commitment.
Check My Savings Now →