Deal directly with the lender
Talk to the people making the lending decision, not a queue.
For mortgage advisors and finance brokers
Fast and flexible business loans for mortgage advisors
HomeSec's business loans are fast and flexible: funding may be possible in as little as 24 hours from a clean, complete scenario, with open-term options and up to six months of capitalised interest in qualifying structures.
- $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
Fast is only half of it
A fast loan that forces a rushed exit is a poor outcome for your client. In some cases, such as an unencumbered property where HomeSec takes a first mortgage, funding has been possible the same day. HomeSec's flexibility, including open-term options, means a delayed refinance does not have to become a crisis.
Cash flow breathing room
Capitalising interest for up to six months in qualifying structures reduces pressure on a client's cash flow while the reason for borrowing plays out. Early repayment terms are confirmed in the contract, so ask for them as part of the scenario.
What to send
A clean, complete first message gets the quickest 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
How fast and flexible are HomeSec's business loans?
Funding may be possible in as little as 24 hours from a clean, complete scenario. Open-term options are available, subject to assessment.
What does open-term mean?
The loan is not tied to a fixed end date, so it can remain in place until a refinance or sale completes. Exact terms are in the contract.
Can interest really be capitalised?
Yes, for up to six months in qualifying structures, confirmed in the contract documents.
Is there any restriction on purpose?
Funds must be used for genuine business or commercial purposes.
How do I get started as a partner?
Use Partner with us to learn about the referral and broker partner options, or run a scenario to start straight away.
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.
- Private lenders in NZ for advisors How mortgage advisors choose a private lender, and where HomeSec fits.
- Best private lenders for advisors What makes a private lender a good fit for mortgage advisors.
- Best second mortgages for advisors What to look for in a second mortgage for your business clients.
Next step
Put a fast, flexible loan scenario to HomeSec.
Speak with the team or lodge a scenario through the HomeSec partner pathway.