Deal directly with the lender
Talk to the people making the lending decision, not a queue.
For mortgage advisors and finance brokers
Private credit for mortgage advisors
Private credit is property-secured business lending from a non-bank lender. HomeSec provides it for New Zealand mortgage advisors whose business clients need speed or flexibility that a bank cannot offer.
- $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
Why advisors add private credit to the toolkit
Banks are the right answer for most clients most of the time. Private credit is the answer when the timing is tight, the situation sits outside policy, or the client needs a short bridge to a longer-term facility.
Having a reliable private lender means you can keep a client whose bank has said no or cannot move in time, and return them to bank funding later.
How HomeSec structures it
First and second mortgage security over suitable New Zealand property, for genuine business purposes, from $20,000 to $1,000,000. Interest can be capitalised for up to six months in qualifying structures, and open-term options are available.
A scenario that moves quickly
Include these in your 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
What is private credit?
Lending from a non-bank lender, here secured by property and used for business purposes.
When should an advisor use private credit instead of a bank?
When timing is critical, when the situation falls outside bank policy, or when the client needs a bridge while longer-term funding is arranged.
Can the client later move back to a bank?
Often, yes. Open-term options mean the loan can stay in place until a refinance completes.
Is credit history a barrier?
Credit checks are irrelevant to the decision and a bad credit history is generally not an issue.
What size loans do you write?
$20,000 to $1,000,000, 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 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 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
Add a private credit option for your clients.
Speak with the team or lodge a scenario through the HomeSec partner pathway.