Compare Security Bank vs PNB housing loan rates side by side — and discover how refinancing through Nook could save you thousands every year at no cost to you.
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Why this matters
If you're weighing a Security Bank vs PNB housing loan, you're already asking the right question — but the smarter move is to compare both against the best refinance rates available in the market today. Security Bank is a verified Nook partner bank offering a 1-year fixed rate of 6.99% p.a. and a competitive 5-year fixed rate of 6.75% p.a., with approval typically completed in just 23 days. These are verified, current rates — not estimates. PNB also offers home loan products, but their published rates generally fall in the 7–10% range and are subject to change without notice; any PNB rates referenced here are approximate and based on publicly available information. For a deeper dive into how these two banks stack up, see our full PNB vs Security Bank refinance rate comparison.
For homeowners currently on a PNB home loan at rates of 8–10%, refinancing to Security Bank through Nook could mean savings of over 48,000 pesos per year on a 3,000,000 peso loan with 20 years remaining. Security Bank accepts a wide range of borrower profiles — 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 and a maximum debt-to-income ratio of 40%. That flexibility, combined with verified low rates, makes it one of the most accessible refinance options in the Philippines right now.
Nook's service is completely free for borrowers. We handle the paperwork, coordinate with Security Bank on your behalf, and make sure you get the best rate you qualify for — all without charging you a single peso in broker fees. Interest rates are subject to change, so the sooner you lock in, the better. See how Security Bank and PNB rates compare specifically for 2026 and get a free personalised assessment through Nook today.
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 currently offers a 1-year fixed rate of 6.99% p.a. and a 5-year fixed rate of 6.75% p.a. for home loan refinancing — these are verified rates available through Nook as of 2026. A Home Equity loan option is also available at 7.50% p.a. All rates are subject to change, so it's best to apply soon to lock in your preferred rate.
PNB's home loan rates are generally in the 7–10% range based on publicly available information, but exact current rates depend on your loan amount, term, and fixing period — and are subject to change without notice. Security Bank's verified partner rates through Nook start at 6.75% p.a. for a 5-year fixed term, which is typically more competitive for most borrowers looking to refinance.
Yes — refinancing from PNB to Security Bank is one of the most common moves Nook facilitates, especially for borrowers who locked in at higher rates several years ago. Nook manages the entire process for free, from initial assessment through to bank approval, and Security Bank typically completes approvals in around 23 days.
Security Bank accepts a broad range of employment types including private employees, government workers, BPO staff, OFWs, seafarers, self-employed individuals, professionals, and freelancers. The minimum monthly income requirement is 50,000 pesos, with a maximum debt-to-income ratio of 40%. Nook can help you assess your eligibility for free before you apply.
On a 3,000,000 peso loan with 20 years remaining, moving from a 9.00% PNB rate to Security Bank's 6.75% 5-year fixed rate through Nook could save you over 4,000 pesos per month — that's more than 48,000 pesos a year and potentially over 700,000 pesos across the remaining loan term. Use Nook's free calculator to get a personalised estimate based on your actual loan balance and current rate.
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