Deal directly with the lender
Talk to the people making the lending decision, not a queue.
For mortgage advisors and finance brokers
Private lenders in New Zealand for mortgage advisors
HomeSec is a private lender for New Zealand mortgage advisors and finance brokers, lending against property for business purposes from $20,000 to $1,000,000, and is regarded as one of the fastest private mortgage lenders in the country.
- $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 use private lenders
A private lender fills the gap when a client's timing, structure or circumstances do not suit a bank. For a mortgage advisor, a dependable private lender means you can keep the client, keep control of the outcome and return them to bank funding later.
How to choose a private lender
Five questions separate a useful private lender from a slow one:
- How is speed measured, and can they show it?
- Who makes the decision, and can you speak to them?
- Will they work around how you handle your client relationship?
- How flexible are the term, repayment and exit options?
- Are they clear about what they will not fund?
Where HomeSec fits
HomeSec lends for business purposes only, against first or second mortgage security. Funding is possible in as little as 24 hours from a clean, complete scenario, and in some cases the same day for an unencumbered property where we take a first mortgage. You choose how involved we are with your client, and it does not affect your brokerage.
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
Which private lenders can mortgage advisors use in New Zealand?
HomeSec works with mortgage advisors and finance brokers on property-secured business lending from $20,000 to $1,000,000. We are regarded as one of the fastest private mortgage lenders in New Zealand.
What should an advisor look for in a private lender?
A defined speed, a direct decision-maker, flexible structures and a willingness to work the way you work with your client.
Does HomeSec lend for home loans?
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.
- 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.
- 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
Put a scenario to a private lender who works your way.
Speak with the team or lodge a scenario through the HomeSec partner pathway.