Updated October 14, 2026 · BorrowCue Editorial Team
HomeSec Business Finance vs Taishin Bank
What sets them apart
| Compare |  HomeSec Business Finance | Taishin Bank ReviewSee alternativesSee alternatives |
|---|---|---|
| Loan amount | A$20,000 to A$5,000,000 | NT$150,000 to NT$5,000,000 |
| Term | from 1 month | 24 to 120 months |
| Funding time | As little as 24 hours | Funds available within 30 minutes after approval |
| Free early repayment | YesHas it | No |
| 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 | ROC (Taiwan) nationals aged 20-60; full-time employees with 6 months' tenure and annual income of at least NT$300,000, or Taishin credit card holders of 6 months or more |
| Loan types | Business, Secured, Bridging, Debt consolidation | Personal |
| APR | Not confirmed | 4.12% to 16.39% |
| Arrangement fee | Not confirmed | NT$9,000 total related fees in the general credit loan APR example |
| Credit check | Not confirmed | Hard |
| Representative example | Not confirmed | One-stage amortising credit loan, NT$300,000 for 5 years with a 12-period lock-in period, rate 2.88%-15% floating, total fees NT$9,000, total cost APR 4.12%-16.39% |
| Rate type | Not confirmed | Variable |
| Credit needed | Poor | Not confirmed |
Same on both: Lender type (Direct lender).
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Key differences
- Taishin Bank scores higher overall: 9.3 vs 9.1.
- Founded is lower at Taishin Bank: 1992 vs 2004.
- Free early repayment: only HomeSec Business Finance.
- Support channels: only Taishin Bank offers Email, Chat, Community.
- Loan types: only HomeSec Business Finance offers Business, Secured, Bridging.
- Loan types: only Taishin Bank 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.
Taishin Bank
Taishin Bank Taiwan offers general personal-credit products with online application, contract verification, document submission and status inquiry. The listed general criteria specify local nationals aged 20 to 60.
Score breakdown
| Area | HomeSec Business Finance | Taishin Bank |
|---|---|---|
| Cost | 9.2Higher | 8.8 |
| 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. | 9.8Higher |
| Trust | 9.1 | 9.3Higher |
Side by side, item by item
| Loan types | HomeSec Business Finance | Taishin Bank |
|---|---|---|
| Personal | No | Yes |
| Debt consolidation | Yes | No |
| Secured | Yes | No |
| Business | Yes | No |
| Bridging | Yes | No |
Where they rank in our lists
| Ranking | HomeSec Business Finance | Taishin Bank |
|---|---|---|
| Mortgages | 201 of 716 | 99 of 716 |
| Home equity loans and HELOCs | 42 of 110 | 26 of 110 |
| Equity release | 9 of 32 | 3 of 32 |
Licences and countries
| Country | HomeSec Business Finance | Taishin Bank |
|---|---|---|
| Taiwan | Not confirmed |
Additional countries for HomeSec Business Finance: 1. Additional countries for Taishin Bank: 1.
Sources behind this comparison
HomeSec Business Finance
- homesec.com.au: 12 facts, checked September 26, 2026
Taishin Bank
- taishinbank.com.tw: 17 facts, checked September 26, 2026
Every fact side by side
| Fact | HomeSec Business Finance | Taishin Bank |
|---|---|---|
| Features | Not confirmed | Same day funding |
| Legal entity | HomeSec Business Finance Pty Ltd | Taishin International Bank Co., Ltd. (Taishin Bank), Unified No. 86519539 |
| Headquarters | Australia | Taiwan |
| Founded | 2004 | 1992Lower |
| Support channels | Phone, Help centre | Phone, Email, Chat, Help centre, CommunityCovers more |
Mortgages
| Fact | HomeSec Business Finance | Taishin Bank |
|---|---|---|
| Initial rate | Not confirmed | 3% to 4.49% |
| APRC | Not confirmed | 3.04% to 4.55% |
| Fixed period | Not confirmed | 20 years |
| Maximum loan to value | 70% to 80% | 80% |
| Product fee | Not confirmed | NT$8,000 to NT$10,000 |
| Purpose | Equity release, Home equity | Purchase, Remortgage, Home equity, Equity releaseCovers more |
Where each stands against the rest
| Fact | HomeSec Business Finance | Taishin Bank | Median |
|---|---|---|---|
| APR | Not confirmed | 4.12% to 16.39%lowest quarter | 8.99 |
| Term | from 1 monthlowest quarter | 24 to 120 monthshighest quarter | 60 |
Median across 1144 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.
Taishin Bank
Pros
- General personal-credit product.
- Online application, contract verification, document submission and status inquiry.
Cons
- Additional employment and income criteria apply; the age and nationality criteria do not guarantee approval.
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.
Taishin Bank
Who it suits
- Taiwan nationals aged 20 to 60 comparing Taishin personal-credit products and online application services.
Current offers
Taishin Bank
Current offer
Bonus
LG Mall 8-day promotion: 1,500 Taishin Points for NT$15,000 spend: 1,500 points
Limited 8-day promotion, spend of NT$15,000 or more; posted 2026/09/22 in Taishin offers
Source, checked September 26, 2026
Bonus
Taishin Pay+ new customer offer: Up to 19% discount plus 10% rebate
New Taishin Pay+ customers
Source, checked September 26, 2026
Country by country
| Country | HomeSec Business Finance | Taishin Bank |
|---|---|---|
| Australia | Yes | No |
| Taiwan | 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.
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.