Updated September 28, 2026 · BorrowCue Editorial Team
HomeSec Business Finance vs Super Finance Markets
HomeSec Business Finance vs Super Finance Markets: the differences
| Compare |  HomeSec Business Finance |  Super Finance Markets |
|---|---|---|
| Loan amount | A$20,000 to A$5,000,000Higher | A$100,000 to A$3,000,000 |
| Term | from 1 month | 3 to 24 months |
| Funding time | As little as 24 hours | Approval in 48 hours, funds disbursed in 10 business days |
| Loan types | Business, Secured, Bridging, Debt consolidationCovers more | Business, Secured |
| APR | Not confirmed | 0.6% to 0.85% |
| Arrangement fee | Not confirmed | 0 AUD (no application fee) |
| Credit check | Not confirmed | None |
| Rate type | Not confirmed | Fixed |
| Free early repayment | Yes | Not confirmed |
| 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 | Not confirmed |
Same on both: Lender type (Direct lender), Credit needed (Poor).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Key differences
- HomeSec Business Finance scores higher overall: 9.1 vs 9.0.
- Founded is lower at HomeSec Business Finance: 2004 vs 2018.
- Loan amount is higher at HomeSec Business Finance: A$20,000 to A$5,000,000 vs A$100,000 to A$3,000,000.
- Support channels: only HomeSec Business Finance offers Help centre.
- Support channels: only Super Finance Markets offers Email, Chat.
- Loan types: only HomeSec Business Finance offers Bridging, Debt consolidation.
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.
Super Finance Markets
Super Finance Markets suits Australian borrowers who need secured or business lending and can manage a short term at a high stated cost of borrowing. It charges no application fee, but the rate of 0.6% to 0.85% means the repayment must be planned carefully, and any surplus on the deal is the borrower's own risk.
Score breakdown
| Area | HomeSec Business Finance | Super Finance Markets |
|---|---|---|
| Cost | 9.2 | 9.7HigherAnnual cost of borrowing runs 0.6% to 0.85% with an application fee of 0 AUD (no application fee). |
| Offer | 8.8HigherBorrowing of AUD 20,000 to AUD 5,000,000 secured on property, with As little as 24 hours funding and free early repayment. | 8.5Purpose covers purchase, remortgage and equity release on fixed rates, with a term of 3 to 24 and no credit check. |
| Trust | 9.1Higher | 8.6 |
Feature by feature
| Loan types | HomeSec Business Finance | Super Finance Markets |
|---|---|---|
| Debt consolidation | Yes | No |
| Secured | Yes | Yes |
| Business | Yes | Yes |
| Bridging | Yes | No |
Positions in our rankings
| Ranking | HomeSec Business Finance | Super Finance Markets |
|---|---|---|
| Loans for bad credit | 124 of 275 | 157 of 275 |
| Secured loans | 162 of 472 | 223 of 472 |
| Mortgages | 198 of 719 | 268 of 719 |
| Business loans | 136 of 435 | 182 of 435 |
| Home equity loans and HELOCs | 41 of 110 | 58 of 110 |
| Equity release | 9 of 32 | 15 of 32 |
Availability and regulation
| Country | HomeSec Business Finance | Super Finance Markets |
|---|---|---|
| Australia | Not confirmed |
Available in 1 country for both.
Ranges side by side
| Fact | HomeSec Business Finance | Super Finance Markets |
|---|---|---|
| Loan amount | A$20,000 to A$5,000,000 | A$100,000 to A$3,000,000 |
| Term | from 1 month | 3 to 24 months |
Every fact side by side
| Fact | HomeSec Business Finance | Super Finance Markets |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Legal entity | HomeSec Business Finance Pty Ltd | Super Finance Markets Pty Ltd |
| Headquarters | Australia | Australia |
| Founded | 2004Lower | 2018 |
| Support channels | Phone, Help centre | Email, Chat, Phone |
Mortgages
| Fact | HomeSec Business Finance | Super Finance Markets |
|---|---|---|
| Initial rate | Not confirmed | 0.6% |
| Fixed period | Not confirmed | 0.25 to 2 years |
| Maximum loan to value | 70% to 80%Higher | 75% |
| Product fee | Not confirmed | A$0 |
| Purpose | Equity release, Home equity | Purchase, Remortgage, Equity release, Home equityCovers more |
Where each stands against the rest
| Fact | HomeSec Business Finance | Super Finance Markets | Median |
|---|---|---|---|
| APR | Not confirmed | 0.6% to 0.85%lowest quarter | 8.99 |
| Loan amount | A$20,000 to A$5,000,000highest quarter | A$100,000 to A$3,000,000highest quarter | A$66,000 |
| Term | from 1 monthlowest quarter | 3 to 24 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.
Super Finance Markets
Pros
- No application fee at all, recorded as 0 AUD (no application fee)
- No credit check, and the lender caters to applicants with poor credit
- Fixed rates held for 0.25 to 2 keep the repayment predictable
Cons
- A cost of borrowing of 0.6% to 0.85% is high, so the monthly repayment needs checking against budget
- The term of 3 to 24 is short for a home loan
- The maximum loan to value of 75% sits below the 90% typical of the wider mortgage market
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.
Super Finance Markets
Who it suits
- Borrowers in Australia whose credit file is in poor shape
- Businesses needing a short fixed term loan
- Anyone covering 75% with equity who wants no application fee
Who should look elsewhere
- First time buyers, since the term runs 3 to 24
- Long term borrowers put off by the rate of 0.6% to 0.85%
Country by country
| Country | HomeSec Business Finance | Super Finance Markets |
|---|---|---|
| Australia | Yes | 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.
Super Finance Markets
What rate does Super Finance Markets charge?+
The cost of borrowing is 0.6% to 0.85%, and the initial rate is 0.6%. The 0.6% to 0.85% figure is the one to plan around, since it reflects the full cost of the credit rather than a headline offer. Payments sit on a fixed rate for 0.25 to 2.
Are there any fees to open the loan?+
The application fee is 0 AUD (no application fee), so nothing is charged for taking an application forward. There is also a product fee recorded on the same terms, which keeps the upfront cost minimal. The ongoing cost of borrowing of 0.6% to 0.85% is the part that shapes the repayment.