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For mortgage advisors and finance brokers
Private business loans for mortgage advisors
HomeSec provides private business loans secured by New Zealand property for mortgage advisors and finance brokers, 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
What business clients use it for
Common uses include paying tax or suppliers, funding stock or equipment, buying a business or asset, and covering a gap while a bank facility is arranged. The loan has to serve a genuine business or commercial purpose.
Why advisors choose HomeSec
Decisions are made by the lender, speed is defined and credit history is not the barrier. Credit checks are irrelevant to the decision and a bad credit history is generally not an issue. Regional and metro property is considered, from Auckland to Southland.
What to include in the scenario
The more complete the first message, the faster the 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
What can a private business loan be used for?
Any genuine business or commercial purpose, such as working capital, tax, stock, equipment or a purchase.
Do you lend on regional property?
Suitable New Zealand property is considered across the country, subject to assessment.
How long can the loan run?
Fixed-term and open-term structures are available, subject to assessment.
Is a valuation required?
No valuations are needed for the initial assessment.
Does credit history matter?
Credit checks are irrelevant to the decision and a bad credit history is generally not an issue.
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.
- 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 business loan scenario.
Speak with the team or lodge a scenario through the HomeSec partner pathway.