Broker and partner matrix · October 2026
The HomeSec NZ lending matrix.
Everything you need to place a scenario, in one PDF. Loan parameters, LVRs, security, fees and the seven details we need for an indicative answer.
PDF · 10 pages · about 2 MB
At a glance
One open-term facility, secured by real estate.
- Loan amount
- $20,000–$1,000,000
- Maximum LVR
- 75% residential, 70% commercial
- Security
- First or second mortgage
- Coverage
- Almost anywhere in NZ
- Loan term
- Open-term, from 1 month
- Interest
- Capitalised for up to 6 months
- No sworn valuations, no cashflow records, no minimum trading period.
- Start-ups, credit-impaired files and provincial security considered.
- Early repayment any time. Ad-hoc paydowns from $10,000.
- Your brokerage is paid the same day funds are released.
- Funding in as little as 24 hours from a clean, complete scenario, subject to approval.
Getting an answer
Send us the Simple Seven.
Call or email your BDM with these details and we will usually come back with an indicative yes or no in minutes.
- The estimated value of the security property
- The address of the property
- What is owing on it, and to whom
- How much the client wishes to borrow
- How long they want the loan for
- How many people are on title
- The purpose of the funds
Ready with a scenario?
Talk it through with your BDM.
Submit the scenario online, call 09 888 6550 or email [email protected].
The matrix is indicative and informational only. It is not a loan offer, approval, quote or financial product advice. Criteria, maximums, timing and terms are confirmed by HomeSec credit for each scenario.