You are 60 seconds from a conditional answer
No credit check to apply. No financial statements. We ask for your name and mobile at the last step, once we already know whether we can help you.
Need: an active ABN, a genuine business or investment purpose, Australian real property with enough equity, and a credible exit.
Don't need: financial statements, tax returns, BAS, cash flow records, a trading history, a clean credit file, or a sworn valuation. Defaults, arrears, judgments and an ATO debt do not automatically disqualify you.
A person decides every loan. Every application is read by a Lending Manager and every credit decision is signed off by a person. We do not use artificial intelligence to assess, approve, decline or price a loan. Nothing you type here is scored, ranked or auto-declined — it goes to a Lending Manager who will call you.
Most people do, and it is usually faster. A Lending Manager will give you an indicative answer on the call — not a callback, not a portal confirmation. 1300 93 83 87, Mon–Fri, 8:30am – 5:30pm Melbourne time.
It runs on a separate system and something is blocking it in this browser. Call us and a Lending Manager will take the details over the phone — it is usually faster anyway.
Call 1300 93 83 87Mon–Fri, 8:30am – 5:30pm Melbourne time
Can't see the form above? Open it in a new window, or call 1300 93 83 87 and a Lending Manager will take the details over the phone. Some browser privacy extensions block embedded forms.
The form runs on apply-social.homesec.com.au, HomeSec's own application system.
Tell us, approve, fund. An answer in minutes, approval in about fifteen, funding in as little as 24 hours.
Whether you start with the form or the phone, this is the whole process. The credit team, not a portal, is what moves it along.
Tell us the deal
Amount, purpose, timing, the property and how the loan gets repaid. A Lending Manager gives you an indicative answer on that call — usually in minutes.
Minutes
Conditional approval
Photo ID, a rates notice and your most recent mortgage statement. That is the whole list, and it takes about fifteen minutes.
About 15 minutes
Funds released
As little as 24 hours from a clean, complete scenario. Paid where you tell us — to your account, or straight to the ATO.
As little as 24 hours
The seven things a Lending Manager will ask you
Have these in your head — none of them needs a document — and you will usually have an indicative yes or no before you hang up.
- 1What the security property is roughly worthYour own estimate is fine — we assess value ourselves, so there is no valuation to arrange.
- 2The property's addressWe run the title search. You don't need to supply anything.
- 3What is owing on it, and to whomThis is what decides whether we sit first or second, and how much equity is available.
- 4How much you want to borrowAnywhere from $20,000 to $5,000,000.
- 5How long you want it forFrom one month. There is no maximum, and you can extend or repay early.
- 6How many people are on the titleEveryone on title signs, so we need to know who is involved from the start.
- 7What the money is forThe business purpose. It is the one thing that has to be there.
The only three documents
Once we have said yes in principle, this is the complete list. About fifteen minutes, and most people already have all three on their phone.
Not on the list: tax returns, BAS, financial statements, bank statements, a valuation, or a business plan. We do not ask for them at any stage.