Tired of the 80% LVR Bait-and-Switch? How to Secure Genuinely Fast Private Mortgages for Your Clients.
As a finance broker, you’ve seen it all. Your business client needs funds—not next month, not next week. They needed it yesterday. They have valuable real estate equity, but the banks are too slow, and their cash flow or credit history doesn’t fit the traditional mould.
So, you turn to the private lending market, promise your client an 80% LVR solution, only to have your deal torpedoed at the last minute.
Sound familiar?
You’re not alone. The market is flooded with lenders who advertise an 80% LVR, only to send out a valuer who “manages risk” by devaluing the property, effectively turning your 80% LVR deal into a 70% lend.
This “bogus” LVR (as we call it) wastes your time, frustrates your client, and puts you back at square one.
Your clients deserve better. You deserve a lending partner who is transparent, fast, and, most importantly, genuine.
The Problem with “Valuers” and How We Fix It
Let’s be blunt: in the world of private mortgages, external valuers are renowned for one thing—covering their own backsides. To protect themselves, they often devalue properties, especially for private or specialist loans.
That’s why at HomeSec, we don’t use external valuers.
Instead, we conduct our own appraisals and assessments in-house. We are the actual lender, we lend our own money, and with over 20 years of experience, we know how to determine a property’s true market value.
We talk to our national network of local real estate agents. We get a real-world, “today’s market value” figure, and we get it fast. This allows us to offer a genuine 80% LVR on first and second mortgages, based on a realistic valuation.
The Game-Changer: Fast Private 1st Mortgages & 2nd Mortgages with 6 Months’ Prepaid Interest
Getting a fast, fair valuation is only half the battle. Your client’s biggest challenge is often cash flow pressure.
Here’s our ultimate solution: the interest for the first 6 months is prepaid from the loan.
This isn’t just a loan; it’s immediate, powerful breathing room.
- Urgent Capital Injection: Does your client just need a “no-questions-asked” urgent capital injection for their business? This solution gives them the funds and six months to put that capital to work without worrying about repayments.
- Debt Consolidation: Is your client drowning in multiple, mostly overdue, cash flow loans? Are they facing multiple daily repayments? We can consolidate those high-stress debts into one simple loan.
Who is This For? Your Ideal Client Profile
- Have persistent cash flow issues.
- Suffer from bad credit or tax arrears.
- Need to consolidate multiple, high-interest, or overdue business debts.
- Require an urgent capital injection for an opportunity or to save their business.
Because we are a direct lender, we can push the limits much further than private lenders who are backed by banks or managed funds.
Your 24-Hour Funding Process for Brokers
- Apply: Call us or apply online. We can issue a conditional approval in as little as 15 minutes.
- Submit: Once the client accepts, we just need three simple items: a rates notice, a mortgage statement, and ID.
- Fund: The process is smooth, fast, and transparent. Your client can be funded in as little as one business day.
Stop Letting Slow Deals Die
Don’t let “bogus” LVRs and slow, conservative valuers kill your deals and damage your client relationships.
Offer your clients a genuine 80% LVR, a true market valuation, and the unparalleled relief of six months with no repayments.
We are HomeSec Business Finance: Australia’s Fastest, Easiest, and Most Flexible Business Lender.
Ready to get your client funded? Call us today at 1300 93 83 87 or Click Here to apply online.
