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For mortgage advisors and finance brokers
Fast second mortgages for mortgage advisors
HomeSec offers fast second mortgages for New Zealand mortgage advisors placing business clients, from $20,000 to $1,000,000, with funding possible in as little as 24 hours from a clean, complete scenario.
- $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
When advisors use a fast second mortgage
A second mortgage works when the client has equity behind an existing first mortgage and needs funds quickly without refinancing everything. Advisors use it to fund tax and supplier obligations, a time-sensitive purchase or working capital.
What to send with the scenario
A short, complete first message saves the most time. Include:
- 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
- Whether the existing first mortgage allows further security
Working with HomeSec as a partner
Partner with us to lodge scenarios through the broker portal and keep track of progress. If you would like to talk it through first, run a scenario and the team will come back to you.
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 can a second mortgage fund?
Funding may be possible in as little as 24 hours from a clean, complete scenario, subject to approval, documents, security, legal work and settlement requirements.
What is the minimum equity needed?
It depends on the property, the first mortgage and the exit, and is confirmed on assessment.
Can interest be capitalised?
Yes, for up to six months in qualifying structures, confirmed in the contract.
Do you need a valuation first?
No valuations or cashflow records are needed for the initial assessment.
How do I lodge a scenario?
Use the Run a scenario link on this page or log in to the broker portal.
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.
- 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 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
Place a second mortgage scenario with HomeSec.
Speak with the team or lodge a scenario through the HomeSec partner pathway.