Updated September 28, 2026 · BorrowCue Editorial Team
Commercial Bank CBclick vs HomeSec Business Finance
Where Commercial Bank CBclick and HomeSec Business Finance differ
| Compare |  Commercial Bank CBclick |  HomeSec Business Finance |
|---|---|---|
| Loan amount | QAR 400,000 to QAR 2,000,000 | A$20,000 to A$5,000,000 |
| Term | 48 to 72 months | from 1 month |
| Eligibility | Qataris and expats in Qatar with a salary transfer; QID, valid passport for expats and a salary transfer letter required | No minimum trading period; secured by real estate, max 80% LVR residential and 70% commercial; business purpose only; every owner on the title signs |
| Loan types | Personal | Business, Secured, Bridging, Debt consolidation |
| Arrangement fee | 0 QAR | Not confirmed |
| Funding time | Not confirmed | As little as 24 hours |
| Credit needed | Not confirmed | Poor |
Same on both: Lender type (Direct lender), Free early repayment (Yes).
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Key differences
- Commercial Bank CBclick scores higher overall: 9.2 vs 9.1.
- Founded is lower at Commercial Bank CBclick: 1974 vs 2004.
- Support channels: only HomeSec Business Finance offers Help centre.
- Loan types: only Commercial Bank CBclick offers Personal.
- Loan types: only HomeSec Business Finance offers Business, Secured, Bridging.
Our verdict on each
Commercial Bank CBclick
Commercial Bank CBclick suits salaried residents of Qatar who can transfer salary to the bank and want a large personal loan rather than a small one. Borrowing runs QAR 400,000 to QAR 2,000,000 over 48 to 72, early repayment is free, and the origination fee is 0 QAR.
HomeSec Business Finance
HomeSec Business Finance is an Australian lender for businesses that need larger finance against real estate and can wait out a full assessment. Borrowing runs AUD 20,000 to AUD 5,000,000, secured at 70% to 80%, and free early repayment means you can clear the debt early without an exit fee.
Score breakdown
| Area | Commercial Bank CBclick | HomeSec Business Finance |
|---|---|---|
| Cost | 9.2 | 9.2 |
| Offer | 8.9Higher | 8.8Borrowing of AUD 20,000 to AUD 5,000,000 secured on property, with As little as 24 hours funding and free early repayment. |
| Trust | 9.4Higher | 9.1 |
Licences and countries
| Country | Commercial Bank CBclick | HomeSec Business Finance |
|---|---|---|
| Qatar | Not confirmed |
Additional countries for Commercial Bank CBclick: 1. Additional countries for HomeSec Business Finance: 1.
Positions in our rankings
| Ranking | Commercial Bank CBclick | HomeSec Business Finance |
|---|---|---|
| Mortgages | 110 of 719 | 198 of 719 |
| Equity release | 4 of 32 | 9 of 32 |
From lowest to highest
| Fact | Commercial Bank CBclick | HomeSec Business Finance |
|---|---|---|
| Term | 48 to 72 months | from 1 month |
Sources behind this comparison
Commercial Bank CBclick
- cbq.com.qa: 11 facts, checked September 26, 2026
HomeSec Business Finance
- homesec.com.au: 12 facts, checked September 26, 2026
Every fact side by side
| Fact | Commercial Bank CBclick | HomeSec Business Finance |
|---|---|---|
| Legal entity | The Commercial Bank (P.S.Q.C) | HomeSec Business Finance Pty Ltd |
| Headquarters | Qatar | Australia |
| Founded | 1974Lower | 2004 |
| Support channels | Phone | Phone, Help centreCovers more |
Mortgages
| Fact | Commercial Bank CBclick | HomeSec Business Finance |
|---|---|---|
| Initial rate | 3.45% | Not confirmed |
| Maximum loan to value | 80% | 70% to 80% |
| Purpose | Purchase, Remortgage, First time buyer, Buy to let, Equity release | Equity release, Home equity |
Where each stands against the rest
| Fact | Commercial Bank CBclick | HomeSec Business Finance | Median |
|---|---|---|---|
| Term | 48 to 72 monthsabove the median | from 1 monthlowest quarter | 60 |
Median across 1005 listed lenders.
Pros and cons
Commercial Bank CBclick
Pros
- Loan sizes of QAR 400,000 to QAR 2,000,000 are substantial, with repayment terms of 48 to 72.
- Early repayment is free, so clearing the balance sooner adds no charge.
- The origination fee on a new personal loan is 0 QAR.
Cons
- Support runs on phone only, so there is no listed chat or email route.
- The lending is personal only, so there is no credit line or debt consolidation product here.
- Every applicant needs a salary transfer, a QID and, for expats, a valid passport, which narrows who can qualify.
HomeSec Business Finance
Pros
- Lending of AUD 20,000 to AUD 5,000,000 covers far more than the site median of €876.96.
- Free early repayment, so clearing the facility early costs nothing extra.
- Funding in As little as 24 hours once the security is in place.
Cons
- Every owner on the title has to sign, so one reluctant co owner can stall a deal.
- Security is capped at 70% to 80%, lower than the site median of 90%.
- Help runs through phone and help centre, so there is no online chat for quick questions.
Who each suits
Commercial Bank CBclick
Who it suits
- Borrowers after a large one-off sum repaid over a long term rather than a small top-up.
- Homebuyers, movers and first-time buyers, since its mortgage book covers purchase, remortgage and first time buyer with a maximum loan to value of 80%.
Who should look elsewhere
- Monzo Flex, if you want sterling borrowing of £10,000 to £35,000 rather than a salary-transfer loan in Qatar.
- Cashspace, if the sum you need sits near PHP 500 to PHP 25,000 instead of the QAR 400,000 to QAR 2,000,000 range here.
- Cashspace ES, if a euro loan of €100 to €5,000 is the better fit for you.
HomeSec Business Finance
Who it suits
- Businesses needing a sum well beyond typical business loan sizes.
- Established or new trading businesses, as there is no minimum trading period.
- Owner operators with property to offer as security and a clear business purpose.
Who should look elsewhere
- Cashspace suits much smaller sums, topping out at PHP 500 to PHP 25,000.
- Creduma ES starts at from €12,000, so it may suit those borrowing a smaller amount.
- Sofkredit lends €12,000 to €300,000, a different market and scale to plan around.
Country by country
| Country | Commercial Bank CBclick | HomeSec Business Finance |
|---|---|---|
| Australia | No | Yes |
| Qatar | Yes | No |
Questions about each
Commercial Bank CBclick
What does a Commercial Bank CBclick personal loan cost?+
The origination fee on a new personal loan is 0 QAR, so the setup charge is the main published fee. Mortgage campaigns are marketed at an initial rate of 3.45%. Because early repayment is free, settling the balance ahead of schedule does not add a charge either.
How much can I borrow and over what term?+
Personal loans run QAR 400,000 to QAR 2,000,000 and are repaid over 48 to 72, a long term on a single lump sum. The lower end sits well above the €114.37 recorded for personal loans across the site, so this targets larger sums than a typical personal loan.
HomeSec Business Finance
How much can I borrow?+
Borrowing runs AUD 20,000 to AUD 5,000,000, which sits well above the site median of €876.96. That scale suits a business buying equipment, funding a property purchase or refinancing existing business debt in one facility. Every drawdown is secured on real estate, so the amount is tied to the property you pledge.
What security do I need?+
The facility is secured by real estate, with a maximum loan to value of 70% to 80%. That cap is below the site median of 90%, so expect to keep a slice of equity in the property. All owners on the title must sign the security, which is the point most applications turn on.