Deal directly with the lender
Talk to the people making the lending decision, not a queue.
For mortgage advisors and finance brokers
Who is the fastest private mortgage lender in NZ?
HomeSec is regarded as one of the fastest private mortgage lenders in New Zealand for business purposes, with funding possible in as little as 24 hours from a clean, complete scenario, and in some cases the same day. We lend against property for business and commercial needs only, not for home loans.
- $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 a private mortgage lender does
A private mortgage lender funds against property security without the policy constraints of a bank. For a mortgage advisor, that means a way to help a business client whose timing or circumstances do not fit a bank's process.
HomeSec secures its business lending with a first or second mortgage over suitable New Zealand property. The loan is for the business, not for a home purchase.
Where speed comes from
Speed comes from deciding without unnecessary steps. In some cases, such as an unencumbered property where HomeSec takes a first mortgage, funding has been possible the same day. There are no valuations or cashflow records needed for the initial assessment, and credit checks are irrelevant to the decision. What we do need is a clear security position and a believable exit.
- 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
Structures advisors can use
Fixed-term and open-term structures are available, subject to assessment. Interest can be capitalised for up to six months in qualifying structures. Ask us about the structure that suits your client's refinance or sale timeline.
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 mortgage 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.
Do you lend for home loans?
No. HomeSec lends for genuine business or commercial purposes only, secured by property.
What is the loan range?
$20,000 to $1,000,000, subject to assessment and suitable New Zealand property security.
Is a first or second mortgage required?
Either may be considered. Availability and priority are subject to assessment and legal documentation.
Are valuations needed?
No valuations are needed for the initial 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 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 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
Send a private mortgage scenario to HomeSec.
Speak with the team or lodge a scenario through the HomeSec partner pathway.