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For mortgage and finance brokers

Fast and flexible business loans for brokers

Australia's fastest and most flexible first and second mortgage business lender. Fast: conditional approval in as little as 15 minutes and funds in as little as 24 hours from a clean, complete scenario. Flexible: an open term, and a loan that follows the business.

Run a scenario Partner with us

Or call the scenario desk on 1300 93 83 87, Mon–Fri, 8:30am – 5:30pm Melbourne time.

15 minConditional approval in as little as 15 minutes, from a clean, complete scenario

24 hoursAs little as 24 hours to funds, from a clean, complete scenario

Open termFrom one month, with no fee to extend and no early exit fee

6 monthsInterest can be capitalised for up to 6 months

Flexible, in four steps

A term that works around the business

Most private lending is fast to write and rigid to live with. This is the part most worth explaining to a client, because it is where fixed-term lending hurts people.

Start with breathing room

Interest for the first 6 months can be prepaid and capitalised, so there are no scheduled repayments in that period.

Continue month to month

After the initial period the client keeps the facility for as long as they need it, on monthly interest-only payments.

Pay it down their way

Ad hoc lump-sum reductions from $10,000, whenever there is cash in the business, with no penalty and no renegotiation.

Exit when ready

Repay in full at any time. Unused prepaid interest may be rebated on an early payout, subject to the loan documents.

A builder standing on a partly framed residential construction site

Fast and flexible, side by side

Where an open term differs from the usual

The comparison below is the kind of loan a client is typically offered elsewhere against ours.

	The usual loan	HomeSec
Term	Often fixed, with a penalty to break it	Open from one month, chosen by the borrower
Extending	A rollover or rewriting fee	None — no rollover fees, legal fees or rewriting the loan to extend
Repaying early	An early exit fee or lost interest	None — repay early and save the interest
Repayments	Often from the first month	Interest-only, or interest capitalised for up to 6 months
Paying down	Rarely allowed mid-term	Ad-hoc paydowns from $10,000, once outside the capitalised-interest period
Security	A single property	First or second mortgage, several properties together, the client's home included

For who is fastest, see the fastest private business lender. The full criteria are on the brokers page.

A client who needs fast and flexible?

Send the scenario. Approval in as little as 15 minutes and funds in as little as 24 hours, from a clean, complete scenario.

Run a scenario 1300 93 83 87 Partner login

Calculator

Price it with your brokerage

Enter your brokerage as a percentage or a dollar amount and see what the client receives.

Open the calculator → Partner with us

Referral partner or broker partner

Two ways to come on board. Pick the programme that suits how you work.

Partner with us →

Lodge or apply

Lodge a scenario or apply to partner

Lodge and track files in the HomeSec portal at app.homesec.com.au.

Run a scenario · Apply to partner · Portal login

Why brokers partner with HomeSec

Reliable for mortgage brokers and finance brokers since 2004

HomeSec treats brokers and their clients with fairness, respect, openness and transparency. Here is what that looks like on a deal.

Approval in as little as 15 minutesConditional approval in as little as 15 minutes, and often a verbal answer on the phone first. Funds in as little as 24 hours from a clean, complete scenario.
No valuationsWe don't use valuers and there is no sworn valuation, so there is no appointment to wait for.
No cash flow recordsNo financials, BAS or tax returns. We lend against the property and the exit.
A credit score does not decide the dealCredit history is considered and never disqualifying on its own. Defaults, arrears and thin files do not rule a client out.
A person decides every loanA Lending Manager reads every scenario and the credit team signs off every loan. We fund from our own capital.
Reliable, since 2004One of the longest-serving private business lenders in Australia. You do not stay that long unless you are doing the right thing by brokers and their clients.

Questions brokers ask about fast and flexible business loans

What is a flexible business loan?

One where the term, the repayments and the exit follow the business rather than a fixed schedule. At HomeSec the term is open from one month, interest can be capitalised for up to 6 months, paydowns are allowed from $10,000 and there is no fee to extend or repay early.

Does speed cost flexibility?

Not here. Conditional approval in as little as 15 minutes and funds in as little as 24 hours, from a clean, complete scenario, with the same open term and no extension fee.

What happens if my client's settlement moves?

They keep the facility on the same terms. There is no rollover, no legal fee and no rewriting of the loan, so you are not the one explaining a default.

Can the client repay early?

Yes, at any time. Unused months of capitalised interest are rebated, subject to the loan documents, and there is no early exit fee.

Who is HomeSec?

Australia's fastest and most flexible first and second mortgage business lender. We have been lending continuously since 2004 and we are one of the longest-serving private business lenders in Australia.

Do I need to be accredited to send a scenario?

No. Call or email it to the desk and you get an indicative answer. The partner programme adds the portal, the co-branded tools and commission and trail terms.

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