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For mortgage advisors and finance brokers
Who is New Zealand's fastest private business lender?
HomeSec is regarded as one of the fastest private business lenders in New Zealand, with funding possible in as little as 24 hours from a clean, complete scenario, and in some cases the same day. Here is exactly how we measure it, so mortgage advisors can check the claim.
- $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 “fastest” means for a mortgage advisor
Speed is only useful to your client if it is measurable. For HomeSec, the clock starts when a clean, complete scenario reaches us and stops when funds are with the borrower or the settling solicitor. A scenario that is missing a title, an existing lender's consent or a clear exit is not complete, and no lender can fund it quickly.
That definition is deliberate. It lets you tell a client the realistic earliest date, and it keeps the comparison with other private lenders and with bank timeframes fair.
Where private business lending fits
Private business lending suits the client who needs property-secured funds faster than a bank can assess, or whose situation sits outside a bank's policy. Typical uses are tax and supplier pressure, a purchase with a short settlement window, bridging a sale or refinance, and working capital while a longer-term facility is arranged.
HomeSec lends for genuine business and commercial purposes, from $20,000 to $1,000,000, subject to assessment. We do not provide personal or consumer finance. In some cases, such as an unencumbered property where HomeSec takes a first mortgage, funding has been possible the same day.
What makes a scenario quick to fund
The scenarios that move fastest have the same four things in the first message:
- 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 is the fastest private business lender in New Zealand?
HomeSec is regarded as one of the fastest. 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.
How does HomeSec define its speed?
The clock starts when a clean, complete scenario reaches the team and stops when funds are with the borrower or the settling solicitor. Delays caused by missing documents or third-party consents sit outside the clock.
Does HomeSec need a valuation or cashflow records?
No valuations or cashflow records are needed for the initial assessment. Final terms still depend on the security, the exit and legal documentation.
Does a poor credit history rule a client out?
Credit checks are irrelevant to the decision and a bad credit history is generally not an issue. Lending is still subject to assessment, suitable property security and a credible exit.
What loan sizes does HomeSec offer?
From $20,000 to $1,000,000 for genuine business or commercial purposes, secured by suitable New Zealand property and subject to assessment.
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 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 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 time-critical business scenario?
Speak with the team or lodge a scenario through the HomeSec partner pathway.