When it is urgent or complex, be the one with the solution
HomeSec is the private lender for mortgage and finance brokers. Bring us the deal the bank cannot do in time, and help more business owners get the capital they need, without the hassle and really fast.
Or call the scenario desk on 1300 93 83 87, Mon–Fri, 8:30am – 5:30pm Melbourne time.
Why brokers use a lender that funds its own loans
Because the answer you get on the first call is the answer. There is no funder behind us to check with, no credit committee that meets on Tuesdays, and no chance of the terms changing between indicative and formal. If we say yes on the phone, the file settles.
It also means we can be flexible after settlement. Our term is open, with no minimum, no maximum and no extension fee, so when your client's settlement moves, you are not the one explaining a default to them.
- A Lending Manager reads every scenario, and a person signs off every loan
- Property-secured first and second mortgages, to $20,000 to $5,000,000
- Business-purpose lending across Australia, metro, regional and rural
- Fast, flexible and fair, and lending continuously since 2004
The whole pitch, in one lineDon't say "sorry, I can't help you." Send it to us instead.
From HomeSec's broker education series
The deals that land well with a private lender
If your client owns property and the deal has a deadline, a complexity or a bank that said no, it is worth a call. These are the scenarios our partners send most.
Equity in the property, cash in the business
The client owns the property and the first mortgage stays exactly where it is. We lend behind it.
See the product → First mortgageA first mortgage business loan, fast
Refinance out of a lender that has called time, or fund the next move against property the client already owns.
See the product → BridgingThe settlement that moved
The exit is real, it is just not here yet. A bridge gets the client from now to then without losing the deal.
See the product → CaveatA caveat loan for a business that cannot wait
Short-term, property-secured, built for the deal with a date on it and a bank that cannot move that quickly.
See the product → Tax debtThe ATO is not waiting
A garnishee, a payment plan about to fail, a director penalty notice. Equity can clear it while there is still time.
See the product → Credit-impairedThe file the bank declined
Defaults, arrears or a thin credit file. We lend against the property and the exit, so the file does not stop at the credit score.
See the product →Broker A or Broker B: which one are you?
Same client, same request: $300,000, urgently. Broker A can only offer a refinance that takes months, and loses the client. Broker B has a fast private option in the toolbox, plans the refinance as the exit, and keeps the client for life.
- Not every broker offers short-term business funding. Some don't know it exists.
- A client with a deadline doesn't need to hear "I can't help you". Send the scenario to us instead.
- The bank refinance still happens, as the exit, and it is still yours to write.
Everything you get as a HomeSec partner
Accreditation
Become an accredited HomeSec partner. No volume requirement, no accreditation fee and no exclusivity. It takes a form and a conversation, not a panel review.
Apply to partner →Commissions & trails
What you earn, when it is paid and how trail works when a client extends. It is explained up front rather than negotiated deal by deal, so you know before you send the first file.
How brokerage works →Scenario desk
Send a scenario before lunch and get indicative terms before close. It is a direct line to a Lending Manager, not a submission queue. If it does not work, we tell you why, so you can tell your client something useful.
Run a scenario →Product training
The broker education series, the partner webinars and the material on how to position a property-secured loan to a client who has only ever been offered unsecured cash flow finance.
Product matrix →Co-branded tools
The calculator and application iframes you can embed on your own site: same subdomain, same forms, same tokens as always.
Broker calculator →Partner portal
Track your scenarios and settlements in one place. Sign in at app.homesec.com.au, as you always have.
Partner login →Four lines is enough for an indicative answer
Anything more is you doing work we have not asked for. We do not need financials, tax returns, BAS or a credit file to give you an indicative answer. Full list of what we do and do not require.
- Amount and purpose. What the client needs and what it is for.
- Security. Property type, rough value, and what is owed against it.
- The exit. How it gets repaid, and whether that is documented or intended.
- The deadline. If there is one, tell us on the first line, not the last.
Ready to be the one with the solution?
Become an accredited partner, or simply send your next scenario. No volume requirement, no accreditation fee and no exclusivity.
One of the oldest private lenders in Australia, and a lender brokers can rely on
We are one of the oldest private lenders in Australia, lending to business owners across Australia since 2004. Our processes have got faster over the years with technology, but our commitment to service, transparency and honesty has never changed.
That is why HomeSec is Australia's trusted private lender and regarded as one of Australia's most trusted second mortgage lenders. Why a long track record matters · What clients say
Questions brokers ask before they partner
What is the best private lender for mortgage and finance brokers?
What kind of deals can a mortgage broker send to a private lender?
Do I need to be a commercial broker to refer a business loan?
How fast can HomeSec fund a broker's deal?
What is the difference between a private lender and a non-bank lender?
Does HomeSec pay brokers and referrers?
Funding times are from a clean, complete scenario. Loan terms, extensions and pricing are subject to approval and the loan documents.