https://www.homesec.com.au/videos/private-second-mortgage-vs-private-first-mortgage/ https://i.ytimg.com/vi/fAXLqDcFm-A/hqdefault.jpg Private Second Mortgage vs Private First Mortgage: Which Is Faster for Business Loans? Paul Stone answers why a broker would use a private second mortgage when a private first mortgage is cheaper: it comes down to how soon the client needs the money, and what the existing first mortgage has to do before a new lender can be paid out. https://www.youtube.com/embed/fAXLqDcFm-A 110 2026-10-05T00:00:00+10:00 yes no no https://www.homesec.com.au/videos/second-mortgage-vs-refinancing/ https://i.ytimg.com/vi/bo0B88KPutg/hqdefault.jpg Second Mortgage vs Refinancing: Keep Your Bank Rate and Access Equity Fast Why a business owner sitting on a good bank rate releases equity behind that loan rather than refinancing it, and the three ways the second mortgage is paid out later: consolidating both loans into one new first mortgage, business cash flow, or the sale of an asset. https://www.youtube.com/embed/bo0B88KPutg 56 2024-08-02T00:00:00+10:00 yes no no https://www.homesec.com.au/videos/loan-to-pay-off-tax-debt/ https://i.ytimg.com/vi/TrBD-uozxeo/hqdefault.jpg Can I Get a Loan to Pay Off Tax Debt? Paul Stone Explains the Exit Strategy Paul Stone explains how a property-secured business loan can pay the ATO quickly, what a lender needs to see, and why a clear exit matters more than the loan itself. https://www.youtube.com/embed/TrBD-uozxeo 158 2018-07-22T03:32:55-07:00 yes no no https://www.homesec.com.au/videos/how-long-does-a-business-loan-take/ https://i.ytimg.com/vi/3sDOOayqk6s/hqdefault.jpg How Long Does a Business Loan Take? The HomeSec 24-Hour Clock Explained Paul Stone walks through each step from application to funds, and why a clean, complete file can settle in as little as 24 hours. https://www.youtube.com/embed/3sDOOayqk6s 109 2016-06-29T20:31:07-07:00 yes no no https://www.homesec.com.au/videos/settlement-in-rescission-bridging-finance/ https://i.ytimg.com/vi/uaQE3uGpTkM/hqdefault.jpg Settlement in Rescission? Bridging Finance to Save Your Deposit and Property Paul Stone explains how bridging finance can stop a property settlement going into rescission and protect the deposit when the buyer's finance falls over. https://www.youtube.com/embed/uaQE3uGpTkM 156 2019-01-20T10:51:04-08:00 yes no no https://www.homesec.com.au/videos/how-a-private-lender-assesses-a-loan-application/ https://i.ytimg.com/vi/z1Tauy23r_Q/hqdefault.jpg Private Lenders Australia: How HomeSec Assesses Business Loan Applications New business loan applications being worked through at the office table: a file geared near the top of the band and carried by its exit, security spread across four regional titles, and a file at the large end going to the other decision-makers rather than to a decline. https://www.youtube.com/embed/z1Tauy23r_Q 65 2016-04-26T00:00:00+10:00 yes no no https://www.homesec.com.au/videos/secured-vs-unsecured-business-loans/ https://i.ytimg.com/vi/w426y_n9s0w/hqdefault.jpg Secured vs Unsecured Business Loans: When a Short-Term Secured Loan Fits Better Paul Stone explains in about a minute when an unsecured business loan fits, when a loan secured against property is the better option, and what to do if unsecured is not available. https://www.youtube.com/embed/w426y_n9s0w 96 2019-02-04T23:52:08-08:00 yes no no https://www.homesec.com.au/videos/business-loan-cost-vs-speed/ https://i.ytimg.com/vi/aRsgebv1_e4/hqdefault.jpg Business Loan Costs vs Speed: Don't Let Profits Slip Through Your Hands Paul Stone on why choosing a business loan on headline rate alone can cost more than it saves when the money arrives too late, using a business flight as the comparison. https://www.youtube.com/embed/aRsgebv1_e4 66 2022-08-31T23:14:21-07:00 yes no no https://www.homesec.com.au/videos/cost-of-a-business-loan-vs-the-profit/ https://i.ytimg.com/vi/uSkpYtL3vfY/hqdefault.jpg You might be letting massive profits slip right into the hands of your competitors. Paul Stone at a whiteboard: why the cost of a fast property-secured business loan matters less than the profit it lets you make, using a clearance-stock deal from his shoe store days. https://www.youtube.com/embed/uSkpYtL3vfY 306 2026-07-13T02:14:22-07:00 yes no no https://www.homesec.com.au/videos/hidden-fees-in-business-loans/ https://i.ytimg.com/vi/glcsxOMMjnM/hqdefault.jpg Hidden Fees in Short-Term Business Loans: Upfront Costs, Valuations and Exit Penalties Paul Stone on the fees that make a cheap-looking business loan expensive, and what to ask any lender about upfront costs, valuations, extensions and early payout before signing. https://www.youtube.com/embed/glcsxOMMjnM 149 2025-05-12T01:30:24-07:00 yes no no https://www.homesec.com.au/videos/property-equity-for-urgent-business-funding/ https://i.vimeocdn.com/video/2221565053-03429b1ebac56138a177c0c22a41ee0e9f5788171474b4ae0b5db16daaa048c4-d_720x1280 Property Equity for Urgent Business Funding | HomeSec Australia Paul Stone explains how equity in Australian real estate may support urgent business funding, and what six months without scheduled repayments and an extension mean in practice. Assessment, approval, fees and an acceptable exit strategy apply. https://player.vimeo.com/video/1243125630 94 2026-11-04T04:39:49+00:00 yes no no https://www.homesec.com.au/videos/buying-a-business-before-bank-refinance/ https://i.vimeocdn.com/video/2221602216-94b451bd603d53805463a35933fcf38490cfe662d65a15307be68297047a3745-d_1280x720 Buying a Business Before Bank Refinance - Meet Jan | HomeSec An illustrative animated example: Jan finds a business to buy, other lenders will not fund the purchase and her bank refinance will take months, so she uses short-term, property-secured business bridging finance. Not a customer testimonial. https://player.vimeo.com/video/1243155099 57 2026-11-04T06:51:09+00:00 yes no no https://www.homesec.com.au/videos/cashflow-lender-said-no-property-secured-funding/ https://i.vimeocdn.com/video/2221588015-ccac59dbacde3d7ba3d2c261b0cdd37ccd3130ce96e6b28a883bca111ba23fb3-d_720x1280 Cashflow Lender Said No? Property-Secured Funding | HomeSec Paul Stone explains why a decline from an unsecured cash flow lender need not be the end: property-secured business funding is decided on the equity and the exit, not on the reasons a cash flow lender gave. Assessment and approval apply. https://player.vimeo.com/video/1243133974 70 2026-11-04T05:19:00+00:00 yes no no https://www.homesec.com.au/videos/broker-diversification-self-employed-clients/ https://i.vimeocdn.com/video/2221606160-1c25f01612f88845b01427bb4f2d369aa08d89afd8be9f73644f0f7be83a63af-d_1280x720 Broker Diversification - Helping Self-Employed Clients | HomeSec For mortgage and finance brokers: Paul Stone on using your existing client base to find self-employed clients with an urgent business-funding need, such as creditors, an overdue tax debt, expansion or buying out a competitor. https://player.vimeo.com/video/1243160183 89 2026-11-04T07:14:13+00:00 yes no no https://www.homesec.com.au/videos/business-client-needs-funds-tomorrow/ https://i.vimeocdn.com/video/912500334-7326c1220e24d3a59c70a5490739ba4ff7fc3784d9a292c6cb6ccbc55a325b73-d_1280x720 Business Client Needs Funds Tomorrow? | HomeSec Australia Brokers Paul Stone asks the question a business owner faces when money is needed by tomorrow and a bank cannot move that quickly: what is a short-term business loan, why the exit strategy matters, and how the cost is disclosed before you commit. https://player.vimeo.com/video/431313494 94 2020-06-22T01:36:52+00:00 yes no no https://www.homesec.com.au/videos/broker-a-or-broker-b/ https://i.vimeocdn.com/video/912518041-1800c69ce417663848c04ff889da2fe59bd4554138012bc96e63208ba3bf0a7a-d_1280x720 Broker A or Broker B? Business Funding Conversations | HomeSec Australia A role play for mortgage and finance brokers: a business client needs $300,000 urgently. Broker A can only offer a refinance that takes months and loses the client; Broker B offers a short-term business loan with a refinance as the exit and keeps the client. https://player.vimeo.com/video/431323350 98 2020-06-22T02:44:48+00:00 yes no no https://www.homesec.com.au/videos/what-is-a-second-mortgage-business-loan/ https://i.ytimg.com/vi/7i52e85BW1o/hqdefault.jpg What is a second mortgage business loan? 30 seconds #Shorts A thirty-second answer to the question people type: the existing home or commercial loan stays where it is, the borrowing is against the equity sitting behind it, and the money goes into the business. https://www.youtube.com/embed/7i52e85BW1o 31 2026-11-04T00:00:00+10:00 yes no no https://www.homesec.com.au/small-business-loans/ https://www.homesec.com.au/video-posters/vimeo-423416324-1280.webp Applying for Business Finance: What to Know | HomeSec Australia Paul Stone introduces HomeSec Business Finance and what to expect when you apply: a short online application, a quick call, no cash flow records or tax returns, and funding decided on property equity and a business purpose. https://player.vimeo.com/video/423416324 135 2020-05-28T00:36:08+00:00 yes no no https://www.homesec.com.au/business-bridging-loans/ https://www.homesec.com.au/video-posters/vimeo-419105110-1280.webp Private Business Loan Traps: Fees, Flexibility and Timing | HomeSec Paul Stone on why a cheap headline rate is only one part of a business loan: monthly and upfront fees, penalties for extending or repaying early, and slow valuations that cost time and money. https://player.vimeo.com/video/419105110 101 2020-05-15T22:37:02+00:00 yes no no https://www.homesec.com.au/compare/ https://www.homesec.com.au/video-posters/vimeo-420934165-1280.webp 9 Questions to Ask a Business Lender | HomeSec Australia | Tip 3 Paul Stone's questions to ask any business lender before you commit: early repayment, extensions, upfront fees, valuations, property inspections, speed, financials and credit history, with the answers in writing. https://player.vimeo.com/video/420934165 81 2020-05-21T04:40:33+00:00 yes no no https://www.homesec.com.au/business-loan-quotes/ https://www.homesec.com.au/video-posters/vimeo-420936008-1280.webp Comparing Business Loan Quotes: Terms, Fees and Lender Checks | HomeSec Paul Stone's checks for comparing business loan quotes: the right term and speed, flexibility to repay early or extend, who owns and runs the lender, whether it lends its own money, and the lenders who take large fees upfront. https://player.vimeo.com/video/420936008 119 2020-05-21T04:51:49+00:00 yes no no https://www.homesec.com.au/caveat-loans-for-business/ https://www.homesec.com.au/video-posters/vimeo-422602146-1280.webp Which Businesses Can HomeSec Help? | Australia | Business Loan Tip 5 The small business owners HomeSec funds: businesses in a crisis or with an opportunity, who need the money fast and cannot wait for long forms, piles of financial records, valuers or slow credit decisions. https://player.vimeo.com/video/422602146 81 2020-05-25T23:18:01+00:00 yes no no https://www.homesec.com.au/short-term-business-loans/ https://www.homesec.com.au/video-posters/vimeo-420943024-1280.webp How Short-Term Business Loans Work | HomeSec Australia | Tip 6 Paul Stone on what a business owner can do when the bank says no: business bridging loans and second mortgages secured by real estate, from $20,000 to $5,000,000, with credit history looked at but not decided on. https://player.vimeo.com/video/420943024 65 2020-05-21T05:32:25+00:00 yes no no https://www.homesec.com.au/business-loans-fast-private-mortgages/ https://www.homesec.com.au/video-posters/vimeo-420943492-1280.webp Business Bridging Loans and Second Mortgages | HomeSec | Tip 7 Paul Stone on what business bridging loans and second mortgages have made possible for small and medium businesses since 2004, and what happens when a business owner does not know they exist. https://player.vimeo.com/video/420943492 123 2020-05-21T05:35:11+00:00 yes no no