The HomeSec product matrix
Everything you need to place a scenario with HomeSec, in one PDF you can keep on your desktop or send to a colleague: the facility, the lending criteria, where we lend, and the seven details that get you an indicative answer.
HomeSec Business Finance Lending Matrix 2026 — PDF, 10 pages, 1.9MB. Issued September 2026.
What is in it
- The matrix at a glance. Funding range, LVR, security, term, repayments and who funds it, on one page.
- The facility in detail. Borrower types, security, LVR, loan term, repayments, income verification and fees, plainly.
- Why the open term matters. Interest capitalised for up to six months, ad-hoc paydowns from $10,000, and no fixed end date.
- Secured against cash flow lending. Where HomeSec sits beside an unsecured cash flow lender, and when to use each.
- Where we lend. Metro, regional and rural, and the town-size guide we work to.
- The Simple Seven. The seven details to send your BDM for an indicative answer in minutes.
- Private lenders compared. Whose money it is, who approves it, valuations and when your brokerage is paid.
- Where a scenario fits. The deals that land well, and the ones that are not a fit.
The numbers brokers ask for first
| Loan amount | $20,000 to $5,000,000 |
|---|---|
| Security | First or second mortgage over real estate |
| Maximum LVR | Up to 80% on residential and 70% on commercial. Lower on large acreage, and LVRs may reduce on properties worth less than $800,000. |
| Term | Open-term from one month, chosen by your client |
| Repayments | Interest-only, or interest capitalised for up to 6 months |
| Time to funding | As little as 24 hours from a clean, complete scenario |
Got a scenario now?
Send the Simple Seven to the desk at [email protected], call 1300 93 83 87 (Mon–Fri, 8:30am – 5:30pm Melbourne time), or run it through the scenario form. More on how we work with brokers is on the brokers page.
The matrix is indicative and informational only. It is not a loan offer, approval, quote or financial product advice. Criteria, maximums, timing and terms can change and are confirmed by HomeSec credit on each scenario. Every application is subject to assessment and approval.