Updated September 28, 2026 · BorrowCue Editorial Team
HomeSec Business Finance vs wertfaktor
Where HomeSec Business Finance and wertfaktor differ
| Compare |  HomeSec Business Finance |  wertfaktor |
|---|---|---|
| Term | from 1 month | 120 to 360 months |
| Funding time | As little as 24 hours | Fast payout (Schnellauszahlung) after the notary appointment |
| 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 | Germany only; partial sale of at most 50% of the property; occupied or tenanted properties accepted |
| Loan types | Business, Secured, Bridging, Debt consolidationCovers more | Secured |
| Loan amount | A$20,000 to A$5,000,000 | Not confirmed |
| Arrangement fee | Not confirmed | Durchfuehrungsentgelt of 3.3% of the property value, deducted from the final payout on the complete sale |
| Representative example | Not confirmed | Property worth 500,000 EUR, payout of 125,000 EUR (25%); after deducting the 3.3% Durchfuehrungsentgelt and assuming 2.5% annual value growth you receive a further 458,911 EUR after 10 years |
| Rate type | Not confirmed | Variable |
| Free early repayment | Yes | Not confirmed |
| Origination fee (%) | Not confirmed | 3.3% |
| Credit needed | Poor | Not confirmed |
Same on both: Lender type (Direct lender).
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Key differences
- HomeSec Business Finance scores higher overall: 9.1 vs 8.8.
- Founded is lower at HomeSec Business Finance: 2004 vs 2018.
- Support channels: only wertfaktor offers Email.
- Loan types: only HomeSec Business Finance offers Business, 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.
wertfaktor
wertfaktor suits German homeowners who want to raise cash without moving, by selling part of the property rather than remortgaging it. The payout follows the notary appointment, and terms run 120 to 360 on the share you sell, with Fast payout (Schnellauszahlung) after the notary appointment once the paperwork is done.
Score breakdown
| Area | HomeSec Business Finance | wertfaktor |
|---|---|---|
| Cost | 9.2Higher | 8.3A free product fee, an arrangement charge of 3.3% settled at completion, and borrowing capped at 50% of the property value. |
| 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. | 9.6Higher |
| Trust | 9.1Higher | 8.7 |
Feature by feature
| Loan types | HomeSec Business Finance | wertfaktor |
|---|---|---|
| Debt consolidation | Yes | No |
| Secured | Yes | Yes |
| Business | Yes | No |
| Bridging | Yes | No |
Where each is licensed and available
Additional countries for HomeSec Business Finance: 1. Additional countries for wertfaktor: 1.
How they place
| Ranking | HomeSec Business Finance | wertfaktor |
|---|---|---|
| Secured loans | 163 of 473 | 302 of 473 |
| Mortgages | 201 of 716 | 340 of 716 |
| Equity release | 9 of 32 | 17 of 32 |
Every fact side by side
| Fact | HomeSec Business Finance | wertfaktor |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Legal entity | HomeSec Business Finance Pty Ltd | wertfaktor Immobilien GmbH |
| Headquarters | Australia | Germany |
| Founded | 2004Lower | 2018 |
| Support channels | Phone, Help centre | Phone, Email, Help centreCovers more |
Mortgages
| Fact | HomeSec Business Finance | wertfaktor |
|---|---|---|
| Maximum loan to value | 70% to 80%Higher | 50% |
| Product fee | Not confirmed | €0 |
| Purpose | Equity release, Home equityCovers more | Equity release |
Where each stands against the rest
| Fact | HomeSec Business Finance | wertfaktor | Median |
|---|---|---|---|
| Loan amount | A$20,000 to A$5,000,000highest quarter | Not confirmed | A$62,000 |
| Term | from 1 monthlowest quarter | 120 to 360 monthshighest quarter | 60 |
| Origination fee (%) | Not confirmed | 3.3%highest quarter | 0.25% |
Median across 1152 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.
wertfaktor
Pros
- The arrangement charge of 3.3% is deducted from the final payout rather than collected at the start.
- The product fee is free, and support runs on phone, email and help centre.
- Payout timing is clearly set out: Fast payout (Schnellauszahlung) after the notary appointment.
Cons
- Borrowing stops at 50% of the property value, well below the 90% seen across secured lenders.
- The rate is variable, so the cost of the money follows the market.
- Payout timing depends on the notary appointment: Fast payout (Schnellauszahlung) after the notary appointment.
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.
wertfaktor
Who it suits
- German homeowners who want cash without moving or remortgaging.
- Owners of a home they live in or let, since the eligibility rules accept occupied and tenanted property.
- Owners who will sell the remaining share later, when the arrangement charge is settled.
Who should look elsewhere
- Anyone outside Germany, as the property sale covers a single market.
- Owners who need the whole property value, since only a capped share at 50% is released.
- Borrowers who want a loan rather than a sale, such as Sofkredit at 6 to 240.
Country by country
| Country | HomeSec Business Finance | wertfaktor |
|---|---|---|
| Australia | Yes | No |
| Germany | 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.
wertfaktor
What is wertfaktor offering?+
It is a equity release product, sold as secured lending: you sell part of a property and get a payout against the home. The buyer of that share is what funds the money, so the property itself carries the arrangement.
How much can I borrow against my home?+
The ceiling is 50% of the property value, which is the share that can be sold. Terms then run 120 to 360, so the balance is settled across a long stretch and the remaining share is sold at the end.