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For mortgage advisors and finance brokers
Who is the fastest bridging lender in NZ?
HomeSec is one of the fastest business bridging lenders in New Zealand, with funding possible in as little as 24 hours from a clean, complete scenario. Bridging works when the client has a clear exit, such as a sale or refinance, and needs funds before it lands.
- $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
What makes a bridging scenario fundable
Bridging is lending against a known exit. The clearer the exit, the faster the answer. A signed sale and purchase agreement, an approved refinance or settlement funds due on a stated date all help.
The finance is for genuine business or commercial purposes, secured by suitable New Zealand property.
- 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
Time and cost of a gap
A gap in funding often costs the client more than the finance does: a lost purchase, a supplier stopped, a deadline missed. Giving your client a realistic funding date lets them make that call properly. Our cost of business loan delays calculator shows how waiting adds up.
Flexible repayment
Interest can be capitalised for up to six months in qualifying structures, and open-term options are available if the refinance runs late. The detail is confirmed in the contract documents.
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 is the fastest bridging lender in NZ?
HomeSec is regarded as one of the fastest for business purposes. 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 exits does HomeSec look for?
A sale, a refinance or another credible repayment source with a realistic date. Send the evidence with the scenario.
Can the loan stay in place if the exit is late?
Open-term options are available, subject to assessment, so a delayed refinance does not have to force a rushed outcome.
Do you need a valuation?
No valuations are needed for the initial assessment.
Is bridging available for personal needs?
No. HomeSec lends for genuine business or commercial purposes only.
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.
- 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 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
Have a bridging scenario with a clear exit?
Speak with the team or lodge a scenario through the HomeSec partner pathway.