HomeSec Business Finance review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

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.

Key facts

Best for
Businesses raising property-backed finance up to AUD 20,000 to AUD 5,000,000.
Loan amount
A$20,000 to A$5,000,000 (Source, checked September 26, 2026)
Term
from 1 month (Source, checked September 26, 2026)
Funding time
As little as 24 hours (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
Eligibility
No minimum trading period; secured by real estate, max 80% LVR residential and 70% commercial; business purpose only; every owner on the title signs (Source, checked September 26, 2026)
Loan types
Business, Secured, Bridging, Debt-consolidation (Source, checked September 26, 2026)
Credit needed
Poor (Source, checked September 26, 2026)
Legal entity
HomeSec Business Finance Pty Ltd (Source, checked September 26, 2026)
Headquarters
Australia (Source, checked September 26, 2026)
Founded
2004 (Source, checked September 26, 2026)
Support channels
Phone, Help-centre (Source, checked September 26, 2026)
Official website
homesec.com.au

Mortgages

Maximum loan to value
70% to 80% (Source, checked September 26, 2026)
Purpose
Equity-release, Home-equity (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Legal entity
HomeSec Business Finance Pty Ltd (Source, checked September 26, 2026)
Headquarters
Australia (Source, checked September 26, 2026)
Founded
2004 (Source, checked September 26, 2026)
Support channels
Phone, Help-centre (Source, checked September 26, 2026)

Apps and profiles

Elsewhere
TrustpilotLinkedInXfacebook.com

Pros and cons

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.
  • Business, secured, bridging and debt consolidation facilities from one direct lender.

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.
HomeSec Business Finance

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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.

Who runs it

HomeSec Business Finance trades as HomeSec Business Finance Pty Ltd and is based in Australia. It has been lending since 2004, writing business facilities direct to borrowers rather than acting as an intermediary. The range spans business, secured, bridging and debt consolidation lending, plus equity release and home equity purposes. Customer service runs through phone and help centre, giving borrowers a phone line and a self service help centre for questions on an application.

How HomeSec Business Finance compares

Where HomeSec Business Finance is available

Available
Australia

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

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.

How long does a decision take?+

Funding can be as quick as As little as 24 hours once approval and security are complete. No minimum trading period applies, so a newer business can apply, though time is needed for the property valuation and the title documents from every owner.

Can I clear the debt early?+

Free early repayment is available, so you can repay ahead of schedule without an exit fee. If a bridging facility or a seasonal cash flow is your plan, that flexibility matters. Repayment terms are confirmed in the facility agreement once the property and the amount are settled.

What kind of facilities are on offer?+

The range covers business, secured, bridging and debt consolidation lending, with equity release and home equity also listed as purposes. Debt consolidation suits a business rolling several commitments into one, while bridging finance covers a gap between settlement and refinance.

Is my trading history a barrier?+

No minimum trading period applies, which opens the door for newer businesses. The real test is the property you offer as security and its value against the 70% to 80% cap. Credit considered poor is acceptable here, so past credit damage is less of a hurdle than the asset.

What is the purpose of the borrowing?+

Funds are for business purposes only, so a personal purchase would not qualify. Personal borrowing is a different market, and lenders such as Cashspace and Sofkredit operate there. Equity release and home equity also appear among the listed purposes.

Who do I contact with questions?+

Support runs through phone and help centre, meaning a phone line and a help centre for application queries. There is no live chat, so longer questions are better raised by phone. HomeSec Business Finance Pty Ltd is the legal entity you deal with from AU.

Sources

  • homesec.com.au checked September 26, 2026

    Backs: Loan amount, Credit needed, Eligibility, Founded, Free early repayment, Funding time, Lender type, Maximum loan to value, Purpose, Support channels, Term

    “Loan amount $20,000 to $5,000,000”

  • homesec.com.au/interest-rates checked September 26, 2026

    Backs: Headquarters, Legal entity, Loan types

    “Level 1, Suite 6, 1488 Ferntree Gully Road Knoxfield VIC 3180”

Compiled from 2 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: APR, Arrangement fee, Credit check, Representative example.

HomeSec Business Finance

HomeSec Business Finance

Businesses raising property-backed finance up to AUD 20,000 to AUD 5,000,000.

9.1/10See alternatives

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