ABOUT US
WHO IS HOMESEC FINANCE EXPRESS?
HomeSec is a privately funded finance company, specialising in funding short term caveat loans. Our core business product (short term caveat loans) is lending funds to small business people and business investors who need access to cleared funds the same day, or within 24 - 48 hours. Our National Operations Office is based in 
HomeSec Finance Express comprising of 4 key people, lead by Managing Director - Paul Stone.
The
Established for over 8 years, HomeSec Finance Express has enjoyed tremendous growth, which we believe has been achieved purely as a result of providing Great Service to clients and finance brokers.
OUR PRODUCT
--- Short Term Caveat Loans ---
- HomeSec lends anywhere between $10,000 to $500,000. (larger amounts considered upon request)
- HomeSec can settle caveat loans the SAME DAY - 24 hours most cases, in all states of Australia
- Caveat Loans must be secured against real estate. (we lodge a caveat at settlement to secure our loan)
- Caveat Loan terms can be from 1 month to 4 months.
- The interest, establishment fee, & broker fee (if applicable) can all be capitalised into the loan.
- We don’t require sworn valuations or financials, and the borrowers CRAA is generally irrelevant.
The borrower needs to have an “exit strategy”, which is generally refinance or the sale of the property.
HomeSec will fund short term loans anywhere in
WHAT SETS US APART FROM OUR COMPETITORS
SPEED & SERVICE.
In most cases, we issue Letters of Offer to clients or their broker within 2 working hours of having received their completed application. Once we have received the signed Letter of Offer back, along with any supporting documents that may have been requested, we have legal contracts ready within 4 to 5 working hours, and depending on the speed of the client, we can generally settle within 24 hours.
In addition, we keep the client & broker informed at every stage, And we pay brokerage within 24 hours of settlement^. (^If a broker is acting for the borrower)
PEACE OF MIND.
The client remains the brokers client, NOT HomeSec's client. We only build broker bases, not client bases.
OUR SYSTEM HAS BEEN DESIGNED BY CLIENTS FOR CLIENTS.
Many short term private lenders base their operations practices on what they want to happen and when they want it to happen not what the finance broker or client wants.
We believe that finance brokers and clients want genuine speed, simplicity, transparency, and a company that does what it says it will do. We know from market research and feed back, that many short term caveat lenders make bold promises, but in reality they are slow, and have complex and disorganised procedures which change from day to day.
WE HAVE OUR OWN FUNDS.
The majority of short term lenders are effectively brokers or wealthy individuals. This can lead to a slow and uncertain process, as the "lender" has to shop each deal to his investors in the hope that one will fund it. At HomeSec, we use our OWN funds, so the staff in the office make the decisions. Indicative approval can generally be given over the phone, and Conditional Approval in just 2 working hours.
FRIENDLY & PROFESSIONAL.
In a section of the finance industry which can be riddled with so called cowboys, we have gone out of our way to set ourselves apart from the others, and to be open and transparent. The fact that we freely advertising our office address (not just a PO Box) is just one example.
At HomeSec Finance Express, we pride ourselves on being courteous and understanding. Short Term Lending is the high stress end of the finance market, and we understand that clients in particular are quite often not their usual happy selves. HomeSec is very protective of it's good name in the market place, and we go out of our way to meet peoples expectations, without promising something that we simply can't deliver.
WE ARE A FOUNDING MEMBER OF "ASTLA".
The Australian Short Term Lenders Association (ASTLA) is the new self regulating governing body for Short Term Lenders across Australia. Myself, along with four other major short term lenders band together in 2010 to found ASTLA. The role of the association is to ensure members act in accordance with a Code of Conduct, and to assist Government in regulating this end of the finance market to ensure only professional & ethical lenders remain. Membership is open to all genuine short term private lenders who are able to meet the high standards and tough entry criteria of the Association. We strongly recommend borrowers only deal with members of ASTLA, of which HomeSec is proud to be one of those members.
In closing, I hope we can be of assistance when next you have a need for a fast settling caveat loan.
Best regards,
PAUL STONE
Managing Director
Full Members of......
