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For mortgage and finance brokers · Video · 1:29

Broker diversification: helping your self-employed clients

1:29 · Posted 4 November 2026 on HomeSec's Vimeo channel · Captions available in the player (CC)

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.

This video is for mortgage and finance brokers, not for borrowers.

Paul's suggestion, in four steps

Go through your existing client database and look at who is in it, beyond their home loan.
Email those clients with solutions you may not have raised with them before.
Follow up with a phone call about what else you could help with.
Ask self-employed clients whether anything has come up that needs funds urgently: paying creditors, an overdue tax debt, expanding, or buying out a competitor.

Those are the scenarios HomeSec funds against property. For brokers: fast second mortgages, private business loans, the brokerage calculator and becoming a HomeSec partner.

What the video means, in our published terms

Funding time. Funds can be released in as little as 24 hours from a clean, complete scenario. Timing depends on the file, the title and settlement requirements, and is not guaranteed.
Six months. Interest can be capitalised for up to 6 months, so there are no scheduled repayments in that period. Interest is not waived: it accrues and is added to the loan.
Extensions. An extension is assessed and agreed in writing before it applies. There is no fee to extend.
Approval. Every loan is subject to assessment and approval, real estate security, fees and an acceptable repayment or exit strategy. Owning property does not by itself mean your client's loan will be approved.
Purpose and size. $20,000 to $5,000,000, for business and investment purposes only. Credit provided for those purposes is not regulated under the National Consumer Credit Protection Act 2009 (the NCCP Act), and the protections available to consumer borrowers do not apply.

Read the transcript

There's a lot of uncertainty around at the moment, and I've been speaking with a lot of brokers who are really concerned about their future. My advice has been, rather than letting others determine your future, take the bull by the horns and make your own future. By this, I mean it's time to diversify. It's time to use that client database and examine who's in it and how you can help them in other ways other than just their home loan.

So email your clients with new solutions that you may not have raised with them before, then follow up with a phone call and have the discussion on what else you may be able to assist them with. If you have any self-employed clients, ask them if there's been anything happening at the moment where they may have an urgent need for funds. It could be to pay creditors or pay an overdue tax debt, or maybe they're thinking of expanding or buying out a competitor.

If any of those situations come up, that's where HomeSec Business Finance can help brokers help their clients by providing urgent business funding in just 24 hours. So rather than allowing others to create an uncertain future for you, be the broker with the solutions and create your own future. To make a start, it's as simple as contacting HomeSec Business Finance today on 1300 93 83 87, or go to homesecbrokersupport.com.au.

From the video's auto-generated English captions, with only the spelling of HomeSec corrected. The terms above are what applies to a loan.

The full guide

The video is the short version. The written guide has the detail: the HomeSec page for brokers.

To talk it through about your own property, ring a Lending Manager on 1300 93 83 87, Mon–Fri, 8:30am – 5:30pm Melbourne time.

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Reviewed by Jason Brockmuller, Joint Chief Executive

1300 93 83 87 homesec.com.au

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