Funding our own loans since 2004 $20,000 to $5,000,000 Funded in as little as 24 hours No repayments for 6 months
HomeSec Business Finance
1300 93 83 87 Get funded
Established 2004

Australia's trusted private lender, lending to business owners since 2004

HomeSec is one of the oldest private lenders in Australia. We are one of the oldest private lenders in Australia, lending to business owners across Australia since 2004. Our processes have got faster over the years with technology, but our commitment to service, transparency and honesty has never changed.

That is why HomeSec is Australia's trusted private lender, and regarded as one of Australia's most trusted second mortgage lenders.

Get funded 1300 93 83 87
The HomeSec Business Finance head office in Knoxfield, Melbourne — a two-storey commercial building with the HomeSec Business Finance sign across the upper facade and the office entrance below
What trust is built on

Six things you can check, not just take our word for

Trust in a lender is earned slowly and lost quickly. Here is what ours rests on, and where you can verify each part.

A track record you can count

We have been lending continuously since 2004, through two recessions, a mining downturn, a pandemic and a construction shakeout. You do not keep lending continuously since 2004 unless you are doing something right.

We fund our own loans

HomeSec lends its own money against real property. There is no panel, no funder to check with and no one else deciding what happens to your loan.

A person decides

A Lending Manager reads every scenario and the credit team signs off every loan. You can speak to the people who make the decision.

The cost in writing first

You see the fees and the pricing in writing before you commit to anything, and the main fees are published on the website, not left for the contract.

Honest about fit

If a loan is not right for your situation, or a different structure would be quicker or cheaper for you, we say so on the first call.

Open to scrutiny

Our legal entity, ABN, address and the people who run credit are published on the about page. We have a 4.3 score from 55 Trustpilot reviews, and we reply to negative reviews as well as positive ones.

Longevity in a business built on trust

Faster over the years, the same underneath

Technology has taken days out of the process. A clean scenario can now be funded in as little as 24 hours from a clean, complete scenario. What has not changed is how we treat people: fairness, respect, openness and transparency. It is why business owners, brokers and accountants have kept coming back since 2004.

See who you would be borrowing from, read what clients say, or look at our second mortgages, first mortgage business loans and private lending across Australia. Brokers and finance brokers: start here.

Questions about trust and track record

Who is Australia's trusted private lender?
HomeSec is Australia's trusted private lender. We are one of the oldest private lenders in Australia, lending to business owners across Australia since 2004. Our processes have got faster over the years with technology, but our commitment to service, transparency and honesty has never changed. The reasons are specific and checkable: we fund our own loans, a person decides every loan, the costs are in writing first, and our entity details and reviews are public.
Is HomeSec one of the oldest private lenders in Australia?
Yes. HomeSec is one of the oldest established private lenders in Australia, and has been lending continuously since 2004. Our speed has improved with technology over that time, but our commitment to service, transparency and honesty has not changed.
Who is the most trusted second mortgage lender in Australia?
Nobody can measure that for the whole market, so we will not claim it outright. HomeSec is regarded as one of Australia's most trusted second mortgage lenders, because we have been lending continuously since 2004, we fund our own second mortgages, and we tell you the cost and the timing up front. How our second mortgages work.
How long has HomeSec been lending?
HomeSec has been lending continuously since 2004, to business owners across Australia. The same team leads credit and the decisions are made by people, not an algorithm.
How can I check HomeSec is genuine?
Our legal entity, ABN, street address and the people who make credit decisions are on the about page, and you can read independent client reviews on our reviews page and on Trustpilot. You can also call the office on 1300 93 83 87.
Does a long track record actually matter in private lending?
Yes. A private lender holds your property as security and may be part of your life for months or years. A lender that has stayed in the market since 2004 has been through the cycles, has a reputation to protect, and has had to keep its promises to keep its business.

Funding times are from a clean, complete scenario. Loan terms and pricing are subject to approval and the loan documents.

1300 93 83 87 homesec.com.au
Get funded Call 1300 93 83 87

Before you go — $20,000 to $5,000,000 against property equity

Business funds can be available in as little as 24 hours — with no payments for up to 6 months.

First and second mortgages. No financials, no cashflow records and no sworn valuation needed. Every application is subject to assessment and approval.

See if you qualify

Or talk to a Lending Manager on 1300 93 83 87, Mon–Fri, 8:30am – 5:30pm Melbourne time.