Loan Products
1st mortgages
2nd mortgages
Open-term business loans
Business bridging loans
Caveat loans
Loan Products
Flexible private lending for business scenarios.
Why HomeSec?
Fast assessments
No fixed end date
Clear pricing
We are the lender.
Deal direct with us
Established since 2004
Acceptable Borrowers
Companies
Trusts
Sole traders
New and emerging businesses
How Much Can I Borrow?
From
$20,000 to $1,000,000
subject to security and scenario.
No Serviceability Required
Open-term finance without the cash-flow pressure
Keep the loan for one month or for as long as it is needed. There is no fixed end date: clients can continue month to month after the first six months, make lump-sum principal repayments along the way, or pay out in full when it suits them.
No cash flow records
No financials or cash-flow evidence needed for assessment.
First six months: no payments
Interest is capitalised, so there are no monthly payments during the first six months.
From month seven: stay open
Continue the loan month to month for as long as needed by paying the interest each month.
Make lump-sum repayments
Pay down the principal in flexible lump sums whenever it suits the client, reducing the balance and interest.
Pay out in full at any time
Close the loan whenever it suits the client. Unused prepaid interest can be rebated when the loan is paid out early.
It gives brokers a practical answer for business owners who need fast funding now without being forced into an early exit. Formal approvals can be issued within hours, with funding in as little as 24 hours.
Simple Lending Criteria
Up to 75% LVR on residential security — and no valuations required
We are not worried by bad credit, limited financials, missing cash-flow records or a business that has had problems. If the equity is there and the loan has a genuine business purpose, HomeSec can usually assess the deal fast.
- Maximum 75% LVR for residential and multiple securities.
- Maximum 70% LVR for commercial property and vacant land.
- Bad credit scores considered.
- No financials required.
- No cash-flow records needed.
- IRD debt, arrears and past trading problems considered.
- Residential, commercial and vacant land security considered.
- Formal approvals can be issued within hours, with funding in as little as 24 hours.
HomeSec Business Finance
What makes HomeSec different?
- We focus on real estate equity and business purpose.
- We can fund scenarios that banks and mainstream lenders often won’t.
- Formal approvals within hours. We keep paperwork light and decisions moving quickly.
- Open-term structure: one month, five years or longer if the client needs it.
- Clients can make lump-sum principal repayments or pay out in full at any time.
- We are the lender. It’s our own money, so we can push boundaries and make decisions fast.