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Funding our own loans since 2004 $20,000 to $5,000,000 Funded in as little as 24 hours No repayments for 6 months

An illustrative animated example · Video · 0:57

Buying a business before the bank refinance comes through: meet Jan

0:57 · Posted 4 November 2026 on HomeSec's Vimeo channel

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.

Jan is an animated character, not a HomeSec customer, and this video is not a testimonial. The approval, speed and outcome it shows are an example, not a promise.

The story, scene by scene

Jan has found a business for sale that she wants, but no one will fund it.
She has tried several lenders, and they will not fund business purchases.
Her bank will refinance her home loan, but that will take months.
A friend suggests a short-term business bridging loan, and tells her HomeSec is known for being fast and easy to deal with.
Jan's loan is approved and she has the funds to buy the business before anyone else can.
Her new business goes on to do well.
A closing panel gives the loan range of $20k to $5m with no financials, and a 24-hour funding message for borrowers with enough equity in real estate. The terms below are what applies.

How this works in practice

A bridging loan like Jan's is secured by real estate the borrower already owns. It pays for the purchase now, and the bank refinance, once it comes through, is the exit that repays it. HomeSec lends from $20,000 to $5,000,000 for business and investment purposes. See business bridging loans and short-term business loans.

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 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.

The full guide

The video is the short version. The written guide has the detail: loans to buy a business, in full.

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

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