Deal directly with the lender
Talk to the people making the lending decision, not a queue.
For mortgage advisors and finance brokers
What are the best private lenders for mortgage advisors in NZ?
The best private lender for a mortgage advisor decides quickly, communicates clearly and lets the advisor stay in control of the client relationship. HomeSec is regarded as one of the best private lenders for mortgage advisors in New Zealand, and one of the fastest.
- $20,000–$1,000,000 loan range, subject to assessment
- 24 hours as little as, from a clean, complete scenario
- 6 months interest can be capitalised in qualifying structures
- 1st and 2nd mortgage security considered
How to judge “best” as an advisor
There is no single scoreboard, so judge a private lender on what affects your client and your own time: how quickly they can fund, how clearly they communicate, how flexible the structure is and how they treat your relationship with the client.
- Speed that is defined, not just claimed
- A direct line to the decision-maker
- Structures that fit the exit, including open-term options
- Respect for how you work with your client
Why HomeSec is regarded as one of the best
We are one of the few lenders that let the advisor choose. Some advisors have a strong relationship and want to handle every step. Others are busy and prefer we do the work. Either way we do the hard work and do not penalise the advisor.
What to send
A clean, complete scenario is the quickest route to an answer:
- The business purpose, the amount and the date funds are needed
- Who the borrower is, who owns the property and what the current lending is
- The property address, estimated value and any existing mortgages
- A realistic exit: the refinance, sale or repayment source and when it lands
Why mortgage advisors use HomeSec
Speed, clarity and a direct line to the lender.
Speed that is defined
The clock runs from a clean, complete scenario to funds, so you can plan your client's timeline.
Credit history is not the barrier
Credit checks are irrelevant to the decision, and a bad credit history is generally not an issue.
Light on paperwork
No valuations or cashflow records needed for the initial assessment.
Flexible structures
First or second mortgage security, open-term options and up to six months of capitalised interest in qualifying structures.
Clear updates
You hear what is needed and what is still subject to approval.
Questions advisors ask
Frequently asked questions
Who are the best private lenders for mortgage advisors in NZ?
HomeSec is regarded as one of the best, and one of the fastest, for business-purpose lending from $20,000 to $1,000,000 secured by New Zealand property.
What makes a private lender good for advisors?
Defined speed, a direct decision-maker, flexible structures and respect for the advisor's relationship with the client.
How fast can HomeSec fund?
Funding may be possible in as little as 24 hours from a clean, complete scenario, and in some cases the same day for an unencumbered property where HomeSec takes a first mortgage. This is subject to approval, documents, security, legal work and settlement requirements.
Does HomeSec contact my client, or can I keep the relationship?
You choose. We can do it all for you: we contact the client and keep you updated at every stage of the short process. Or we work through you, so you keep the conversation with the client right up to approval, when only our credit team needs a quick chat with the client to meet identity (KYC and AML) requirements. Either way we do the hard work, and your choice does not affect your brokerage.
Next step for mortgage advisors
Lodge a scenario or become a partner
Send a scenario for a quick view, learn about the referral partner and broker partner options, or estimate the cost of a delay for your client.
Mortgage advisors and finance brokers
More for mortgage and finance brokers
- All broker information The main page for mortgage advisors, brokers and referrers.
- Fastest private business lender The hub: what “fastest” means and how HomeSec compares.
- Fastest second mortgage lender Who moves quickest on business second mortgages, and why.
- Fastest private mortgage lender Private mortgage finance for business purposes, and how fast it can move.
- Fastest bridging lender Bridging finance for business clients with a settlement or refinance gap.
- Fast second mortgages for advisors A practical guide to placing fast business second mortgages.
- Private credit for advisors How private credit sits alongside bank lending for your clients.
- Private second mortgages for advisors Private second mortgage finance when the first lender stays in place.
- Private business loans for advisors Property-secured private business loans for your business clients.
- Fast and flexible business loans Business loans that can move quickly and stay as long as needed.
- Private lenders in NZ for advisors How mortgage advisors choose a private lender, and where HomeSec fits.
- Best second mortgages for advisors What to look for in a second mortgage for your business clients.
Next step
Test HomeSec with your next scenario.
Speak with the team or lodge a scenario through the HomeSec partner pathway.