HomeSec
Partner lenderPrivate lenderMelbourne
- Website
- homesec.com.au ↗
- In a sentence
- Private business lender since 2004, funding its own property-secured loans: caveat loans, first and second mortgages, bridging and ATO debt funding.
Quick answer
HomeSec is a Melbourne-based private business lender that has funded its own property-secured loans since 2004. It offers caveat loans, second and first mortgage business loans, bridging loans and ATO debt funding from $20,000 to $5,000,000, secured by residential, commercial, industrial, rural or vacant land. It says loans can be funded in as little as 24 hours.
Key points
- Private lender that funds its own loans, with a person deciding every application
- Loans from $20,000 to $5,000,000, secured by real estate; business and investment purposes only
- Publishes no minimum trading period and says credit score isn't the deciding factor
- Built for speed: an indicative answer on the first call and funding in as little as 24 hours
- Lender type
- Private lender (partner)
- Based
- Knoxfield, Victoria
- Amounts
- $20k to $5m
- Security
- Residential, commercial, rural, land
HomeSec is a private business lender that has been funding Australian businesses against property since 2004. It lends its own money, a person (not an algorithm) decides each loan, and it’s built around one idea: if a business owner has equity in real estate and a sensible plan, the loan should be possible quickly, whatever the bank thinks of their credit file or trading history.
HomeSec is a partner lender of this directory. This profile is based on HomeSec’s public information as at October 2026.
What does HomeSec offer?
Every HomeSec loan is secured by real estate. Within that, it offers several structures:
| Structure | Mechanics | Where owners use it |
|---|---|---|
| Caveat loans | A caveat lodged over property you already own. HomeSec calls this its fastest instrument. | Urgent, short-term needs |
| Second mortgage business loans | Registered behind your existing mortgage, so your home loan stays as it is | Unlocking equity without refinancing |
| First mortgage business loans | Sits in first place on a debt-free title, or refinances whoever holds first place now | Larger amounts, consolidation |
| Bridging loans | Covers the weeks or months before a sale, refinance or expected payment lands | Settlements and timing gaps |
| No doc business loans | No tax returns or BAS; assessed on the property and the exit | Owners with messy or late paperwork |
| ATO debt funding | Paid straight to the ATO | Clearing tax debt and stopping the pressure |
Published loan sizes run between $20k and $5m, with terms starting at a single month, no penalty for repaying early, and options for up to six months with no repayments, where interest is prepaid and added to the loan. Ask for the total cost of any structure in dollars before you commit.
Who is HomeSec a good fit for?
HomeSec’s published criteria are unusual. It lists no minimum trading period, says credit score isn’t the deciding factor and doesn’t require cash flow to service the loan. What it does need is equity in real estate (residential, commercial, industrial, rural or vacant land) and a believable way to repay.
That makes it a strong fit for:
- Businesses the bank has declined, especially for reasons like a past default, tax debt or not enough trading history.
- Urgent situations: an ATO deadline, a settlement at risk, payroll in a tight month, a supplier who needs paying today.
- Start-ups and new owners who have property but not two years of financials.
- Owners with complicated paperwork, where a no doc structure saves weeks.
It’s not a fit if there’s no real estate to offer, if the loan would sit third behind two existing mortgages, or if the money is for personal purposes.
How HomeSec assesses a loan
HomeSec says it gives an indicative answer on the first call and can reach conditional approval quickly, and money can be released within about a day of approval. The assessment centres on three questions:
- How much equity is there? Published maximum loan-to-value ratios are 80% for residential and 70% for commercial property. Check yours with our property equity calculator or caveat loan calculator.
- What will the funds do? Commercial or investment uses only.
- How will it be repaid? A sale, refinance, incoming payment or trading cash flow at the end of the term.
Curious whether lending against your property could work? Open a short enquiry; it won’t leave a mark on your credit report.
Four things to confirm in writing
- The full dollar cost, counting establishment, legal and valuation charges.
- If interest is prepaid, how much will I actually receive on settlement?
- What’s the plan if the exit takes longer than expected?
- Does my first mortgage allow further security over the property?
These are good questions for any private lender. Compare quotes like for like with our loan cost comparison calculator.
HomeSec compared with other options
If you have property and need money fast, HomeSec sits alongside other private lenders such as EquityTap and Aquamore. If you don’t have property, look at unsecured business loans or invoice finance instead. And if your bank will lend on standard terms, take that offer seriously: it’s usually the cheapest money available.
See if a property-secured loan fits
A fixed deadline plus a bank refusal is exactly the moment private property lending was designed for. Share the amount, the reason and the real estate you hold. The form is quick, your credit report stays untouched, one team keeps your details in-house, and a specialist phones you back. Detailed, honest answers shorten the path to a clear yes or no.
Frequently asked questions
What does HomeSec lend for?
Business and investment purposes: tax and ATO debts, cash flow, stock, equipment, settlements, buying a business, refinancing other business debt and bridging the gap before a sale or refinance. It does not lend for personal or household purposes.
How much can I borrow from HomeSec?
HomeSec publishes loan amounts from $20,000 to $5,000,000. The amount depends mainly on the equity in the property offered as security, with published maximum loan-to-value ratios of 80% for residential and 70% for commercial property.
How fast can HomeSec fund a loan?
HomeSec says loans can be funded in as little as 24 hours, with an indicative answer on the first call. Speed depends on the property, the documents and how quickly any valuation and legal steps can be completed.
Can HomeSec help if my bank has said no or I have bad credit?
Often. HomeSec assesses on the equity in real estate and the exit plan rather than credit score or trading history, so declined bank applications, past defaults and new businesses can still be considered.
Does HomeSec need business financials?
For its no doc business loans, HomeSec says it doesn't need tax returns or BAS and assesses on the property and the exit. Other loans may need some supporting information.