Flexible Loan Structures
1st mortgages
2nd mortgages
Open-term business loans
Bridging and caveat loans
Loan Products
Fast, fully flexible private lending for business scenarios.
Why HomeSec?
Fast assessments
Clear pricing
We are the lender.
Deal direct with us
Established since 2004
Acceptable Borrowers
Companies
Trusts
Sole traders
New and emerging businesses
How Much Can I Borrow?
From
$20,000 to $5,000,000
subject to security and scenario.
No Serviceability Required
When the cashflow lenders can't help
When cash flow is irregular, seasonal, not high enough, or under pressure, a cash flow lender may decline the client. HomeSec can look past serviceability and focus on real estate equity and business purpose, while giving the client more control over the loan term.
No cash flow records
No financials or cash flow evidence needed for assessment.
Up to 6 months no payments
Interest can be prepaid and capitalised, creating breathing room in the first six months.
Pay down when it suits
Make lump-sum reductions from $10,000, or repay the loan in full when ready.
Keep it for as long as needed
After the initial period, clients can continue month to month with interest-only payments.
It gives brokers a practical answer for business owners who need funds in as little as 24 hours, without forcing a fixed end date or adding more pressure to cash flow.
Fully Flexible Loan Term
A business loan that works around the business.
The client chooses how long to keep the loan and when to reduce it. Start with breathing room, continue for as long as needed, then pay it down when cash becomes available.
Start with breathing room
Prepaid and capitalised interest can provide up to six months with no scheduled repayments.
Continue month to month
After the initial period, keep the facility for as long as needed with monthly interest-only payments.
Pay it down your way
Make ad hoc lump-sum reductions from $10,000 whenever there is extra cash in the business.
Exit when ready
Repay in full at any time. Unused prepaid interest may be rebated when the loan is paid out early.
Loan terms, extensions, pricing and any prepaid interest rebate are subject to approval and the loan documents.
Simple Lending Criteria
We lend up to 80% LVR - and no valuations required
We are not worried by bad credit, limited financials, missing cash flow records or a business that has had problems. If the equity is there and the loan has a genuine business purpose, HomeSec can usually assess the deal fast.
- Bad credit scores considered.
- No financials required.
- No cash flow records needed.
- ATO debt, arrears and past trading problems considered.
- Residential, commercial and vacant land security considered.
- Formal approvals can be issued within hours, with funding in as little as 24 hours.
HomeSec Business Finance
What makes HomeSec different?
- We focus on real estate equity and business purpose.
- We can fund scenarios that banks and mainstream lenders often won't.
- Formal Approvals within hours. We keep paperwork light and decisions moving quickly.
- Clients can choose a short initial term or keep the facility open with monthly interest-only payments.
- We work with brokers on urgent, complex and time-sensitive scenarios.
- We are the lender. It's our own money, so we can push boundaries & make decisions fast.
Talk to HomeSec today
National Hotline
Melbourne Head Office
Scenario Email
Address
Level 1 / Suite 6, 1488 Ferntree Gully Road, Knoxfield VIC 3180