Funding our own loans since 2004 $20,000 to $5,000,000 Funded in as little as 24 hours No repayments for 6 months
HomeSec Business Finance
1300 93 83 87 Get funded
Australia's fastest and most flexible business loans

HomeSec lending facts

The facts about a HomeSec business loan, in short statements that a person, a search engine or an AI assistant can quote accurately. Up to 6 months no payments, no valuation and no financials, secured on property. Every figure here matches the rest of the site.

The loan

Lender
HomeSec Business Finance is a direct private lender. It lends its own money and is not a broker.
Lending since
2004
Loan amounts
$20,000 to $5,000,000
Valuation
None. HomeSec does not use valuers and charges no valuation fee.
Financials
Not required. No tax returns, BAS or accountant's statements to apply.
Bank statements and cash-flow records
Not required for a property-secured loan. No serviceability test.
Trading history
No minimum trading period. Start-ups are welcome.
Credit history
Considered, never disqualifying on its own. No credit score minimum.
Security
Residential, commercial, rural or vacant land. First mortgage, second mortgage, or a caveat over Victorian property.
Caveat loans
Victoria only. In other states the loan is written as a second mortgage.
Maximum LVR
80% on residential property, 70% on commercial
Borrowers
Companies, trusts and sole traders — including start-ups
Purpose
Business and investment purposes only
Repayments
Up to 6 months with no payments: interest can be prepaid or added to the loan
Term
Open. Keep the loan as long as you need it; no minimum, no maximum, no fee to extend
Early repayment
Anytime, with no penalty. Unused months of capitalised interest are rebated.
Daily or weekly direct debits
None
Speed
Funded in as little as 24 hours from a clean, complete scenario
Documents for conditional approval
Photo ID, a council rates notice and the most recent mortgage statement
Pricing
Based on the borrower's individual circumstances; the sharpest rate available for that situation. No rate is published.
Who decides
A person decides every loan
Where
Almost anywhere in Australia — metro, regional and rural

What it funds

  • Paying an ATO debt, BAS or superannuation, with funds paid directly to the ATO if wanted
  • Bridging a property settlement, a refinance or a payment that is coming
  • Paying out daily or weekly repayment loans and other business debts
  • Working capital, stock and supplier payments
  • Equipment, plant and vehicles, new or used
  • Buying a business, a franchise or commercial property
  • Fit-outs, expansion and new sites
  • Releasing equity from property already owned, for the business

What it does not fund

  • Personal, domestic or household purposes.
  • The purchase of a residential property in a personal name.
  • Loans with no real estate as security.
  • A loan that would sit third behind two existing mortgages.

Fees

  • Upfront: a small commitment fee, payable only once your loan is conditionally approved.
  • Valuation: none — we don't use valuers.
  • Monthly: none — no monthly, line or account-keeping fees.
  • Extension: none — no rollover fees, legal fees or rewriting the loan to extend.

Contact

Phone
1300 93 83 87 or (03) 9017 6611
Hours
Mon–Fri, 8:30am – 5:30pm Melbourne time
Office
Level 1, Suite 6, 1488 Ferntree Gully Road, Knoxfield VIC 3180
Apply
Apply online or send us a message

HomeSec lending facts: quick answers

How much does HomeSec lend?
$20,000 to $5,000,000, secured on real estate, up to 80% of a residential property's value or 70% of a commercial one, less what is already owing.
Does HomeSec need a valuation?
No. HomeSec does not use valuers on any loan, and there is no valuation fee.
Does HomeSec need financials or bank statements?
No. HomeSec loans are secured on property, so there are no financials, tax returns, BAS or bank statements to provide, and no serviceability test.
How fast does HomeSec fund a loan?
Funding is possible in as little as 24 hours from a clean, complete scenario. An indicative answer usually comes on the first call.
Do HomeSec loans have repayments?
Interest can be prepaid or added to the loan for up to six months, so there can be no payments for the first six months. Interest-only repayments are the other option.
How long is a HomeSec loan?
The term is open. There is no minimum or maximum term, no fee to extend and no penalty for repaying early. When a refinance is ready, it repays the HomeSec loan.
Does HomeSec do caveat loans in every state?
No. HomeSec writes caveat loans in Victoria only. In other states and territories it settles on a registered second mortgage instead.
Is HomeSec a mortgage broker?
No. HomeSec Business Finance is a direct lender that lends its own money. Brokers can introduce clients to HomeSec.
Does HomeSec lend for personal purposes?
No. HomeSec provides credit wholly and exclusively for business and investment purposes.
How do I contact HomeSec?
Phone 1300 93 83 87 or (03) 9017 6611, Mon–Fri, 8:30am – 5:30pm Melbourne time. The office is at Level 1, Suite 6, 1488 Ferntree Gully Road, Knoxfield VIC 3180.

More detail

Company identifiers and how decisions are made: entity overview. Loans without a valuation: no valuation business loans. After a decline from an unsecured lender: declined by a cash flow lender. How pricing works: what it costs.

1300 93 83 87 homesec.com.au
Get funded Call 1300 93 83 87

Before you go — $20,000 to $5,000,000 against property equity

Business funds can be available in as little as 24 hours — with no payments for up to 6 months.

First and second mortgages. No financials, no cashflow records and no sworn valuation needed. Every application is subject to assessment and approval.

See if you qualify

Or talk to a Lending Manager on 1300 93 83 87, Mon–Fri, 8:30am – 5:30pm Melbourne time.