Updated September 28, 2026 · BorrowCue Editorial Team
HomeSec Business Finance vs National Building Society
Where HomeSec Business Finance and National Building Society differ
| Compare |  HomeSec Business Finance |  National Building Society |
|---|---|---|
| Term | from 1 month | 12 months |
| Funding time | As little as 24 hours | 5 working days |
| 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 | Applicants must have income paid directly into an NBS account, with national ID, proof of residence, proof of income and 3 months' bank statements |
| Loan types | Business, Secured, Bridging, Debt consolidation | Personal, Secured |
| Loan amount | A$20,000 to A$5,000,000 | Not confirmed |
| Free early repayment | Yes | Not confirmed |
| Credit needed | Poor | Not confirmed |
| Use cases | Not confirmed | Home improvement |
Same on both: Lender type (Direct lender).
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Key differences
- Support channels: only National Building Society offers Email.
- Loan types: only HomeSec Business Finance offers Business, Bridging, Debt consolidation.
- Loan types: only National Building Society offers Personal.
Our verdict on each
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.
National Building Society
National Building Society suits borrowers who already bank with the society and want home finance and personal lending in one place. Its 50% maximum loan to value sits below what many rivals offer, so buyers needing a larger mortgage should compare elsewhere before applying.
Score breakdown
| Area | HomeSec Business Finance | National Building Society |
|---|---|---|
| Cost | 9.2 | Not confirmed |
| Offer | 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. | 8.8Sets 50% for property lending and a 5 to 25 fixed period, plus personal and secured loans. |
| Trust | 9.1 | 9.2Higher |
Feature by feature
| Loan types | HomeSec Business Finance | National Building Society |
|---|---|---|
| Personal | No | Yes |
| Debt consolidation | Yes | No |
| Secured | Yes | Yes |
| Business | Yes | No |
| Bridging | Yes | No |
Sources behind this comparison
HomeSec Business Finance
- homesec.com.au: 12 facts, checked September 26, 2026
National Building Society
- nbs.co.zw: 9 facts, checked September 26, 2026
How they place
| Ranking | HomeSec Business Finance | National Building Society |
|---|---|---|
| Secured loans | 162 of 472 | 165 of 472 |
| Mortgages | 198 of 719 | 202 of 719 |
| Equity release | 9 of 32 | 10 of 32 |
Every fact side by side
| Fact | HomeSec Business Finance | National Building Society |
|---|---|---|
| Legal entity | HomeSec Business Finance Pty Ltd | National Building Society Limited |
| Headquarters | Australia | Zimbabwe |
| Founded | 2004 | Not confirmed |
| Support channels | Phone, Help centre | Email, Phone, Help centreCovers more |
Mortgages
| Fact | HomeSec Business Finance | National Building Society |
|---|---|---|
| Fixed period | Not confirmed | 5 to 25 years |
| Maximum loan to value | 70% to 80%Higher | 50% |
| Purpose | Equity release, Home equity | Purchase, Equity release |
Where each stands against the rest
| Fact | HomeSec Business Finance | National Building Society | Median |
|---|---|---|---|
| Loan amount | A$20,000 to A$5,000,000highest quarter | Not confirmed | A$66,000 |
| Term | from 1 monthlowest quarter | 12 monthslowest quarter | 60 |
Median across 1005 listed lenders.
Pros and cons
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.
National Building Society
Pros
- Fixed periods of 5 to 25 give borrowers room to plan ahead
- Home improvement is listed as a use case, alongside purchase and equity release
- A direct lender, so applications go straight to the provider rather than a broker
Cons
- The 50% ceiling is low for a home purchase, and a 12 personal loan term is short
- Lending is listed as personal and secured, so debt consolidation and car finance sit outside the range
- Funding takes 5 working days on personal loans, longer than the quickest lenders compared here
Who each suits
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.
National Building Society
Who it suits
- Borrowers who keep their salary in an account with the society
- Home buyers who value a longer fixed period over a higher loan to value
- Members planning home improvement work
Who should look elsewhere
- Anyone borrowing the maximum the market offers, because 50% is capped low
- Applicants with income paid outside the society, since eligibility requires a National Building Society account
- Sofkredit, Creditilia ES and Prestalo followers, whose fixed periods of 0.5 to 20, 5 and 25 sit elsewhere in the market
Country by country
| Country | HomeSec Business Finance | National Building Society |
|---|---|---|
| Australia | Yes | No |
| Zimbabwe | No | Yes |
Questions about each
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.
National Building Society
What fixed periods can I choose?+
Fixed periods run 5 to 25, a spread of lengths for a purchase, an equity release or a home improvement plan. The upper end suits a borrower who wants the payment settled for years, while the shorter end keeps the rate commitment modest if plans change.
How much can I borrow against a home?+
The maximum loan to value is 50%, so you would fund a large share of the purchase price yourself. That suits buyers with a solid deposit or equity in an existing property. Anyone stretching further on the deposit would find a higher ceiling elsewhere.