Who is Australia's fastest private business lender?
HomeSec is regarded as the fastest private business lender in Australia. We lend our own capital against property, a person decides every loan, and funds can be released in as little as 24 hours from a clean, complete scenario.
Or call the scenario desk on 1300 93 83 87, Mon–Fri, 8:30am – 5:30pm Melbourne time.
The clock runs from a clean scenario to funds in the account
A speed claim is only useful if you can check it. So here is exactly what we mean: the clock starts when a clean, complete scenario lands with the desk, and stops when funds are released. Three stages, and an honest time for each.
Tell us the deal
Amount, purpose, timing, the security and the exit. Call or email the scenario desk with the Simple Seven and an indicative yes or no usually comes back in minutes.
MinutesConditional approval
Lodge in the HomeSec portal, or send it to the desk and we lodge it for you. Photo ID, a rates notice and the most recent mortgage statements.
About 15 minutesFunds released
From a clean, complete scenario. A deal with a deadline gets that deadline on the first line, so nothing is waiting on us.
As little as 24 hoursFunding times are from a clean, complete scenario. Loan terms, extensions and pricing are subject to approval and the loan documents.
Six things that take days out of a private business loan
We fund our own loans
HomeSec lends its own capital. No bank, fund or outside investor signs off, so there is no second queue to wait in and no one else's timetable to work around.
A person decides
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.
No valuer to book
We don't use valuers and there is no sworn valuation. We assess value ourselves, so there is no appointment to wait for and no report to chase.
No financials to chase
No BAS, no tax returns, no cashflow records and no minimum trading period. The loan is written against the property and the exit.
A short document list
Photo ID, a rates notice and recent mortgage statements. Both of the last two are usually a login away, which is why files that start clean tend to finish fast.
Fast and still flexible
An open term from one month, interest-only or capitalised for up to 6 months, and no fee to extend or repay early. Speed that costs your client flexibility is not much of a favour.
Six questions to ask any private lender about speed
Whoever you send a deal to, these are the questions that separate a lender that is fast on the website from one that is fast on the file. Here are our answers.
| Ask the lender | HomeSec |
|---|---|
| Who signs off the loan? | A person. A Lending Manager reads every scenario and the credit team signs off every loan. |
| Does an outside funder or investor have to approve it? | No. HomeSec funds from its own capital. |
| Is a valuation required? | None — we don't use valuers. We assess value ourselves. |
| What does the client have to supply? | Photo ID, a rates notice and recent mortgage statements. No financials, BAS or tax returns. |
| When does the clock start? | When a clean, complete scenario lands. Put the deadline on the first line. |
| What can slow a file down? | An unclear exit, a surprise on the title, or a signature that is hard to get. Tell us about each on the first call and we plan around it. |
Fastest private lender, by kind of deal
The right structure is part of the speed. These pages go deeper on the three deals brokers send us most when time is short. For the lending criteria and how a scenario is lodged, see the brokers page.
Fastest second mortgage lender
Why a second mortgage usually funds sooner when the property already has a loan on it.
Read more → Private mortgageFastest private mortgage lender
A first mortgage business loan, and when it is the quicker answer.
Read more → BridgingFastest bridging lender
For the settlement that moved and an exit you can already name.
Read more →By product: fast second mortgages, private second mortgages, private business loans, private credit and fast and flexible business loans, all for mortgage and finance brokers.
Got a deal with a deadline?
Send the scenario now. $20,000 to $5,000,000, first and second mortgages, business purpose, across Australia. Lending continuously since 2004.
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 usReferral partner or broker partner
Two ways to come on board. Pick the programme that suits how you work.
Partner with us →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 loginReliable 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.