HomeSec Business Loans (NZ)

About HomeSec

Legal entity

HomeSec Business Finance Limited

Brand family

HomeSec

Primary website

https://homesec.co.nz

Notes

Property-secured NZ business lender — caveat / 1st or 2nd mortgage on real estate equity. Distinct security model vs cash-flow lenders (Prospa/Bizcap/Scotpac). 24-hour funding advertised; 2-hour approval. Lends to startups + base-credit-history businesses where banks won't, because the loan is asset-backed against real estate.

HomeSec's flagship product: $20K-$500K business loan secured against real-estate equity (1st or 2nd mortgage / caveat). 12-month interest-only OR capitalised (interest accrues, paid with principal at term). Approval in as little as 2 business hours; funding in 24 hours. Lends to startups + base-credit-history businesses where banks decline because security is real-estate equity, not cash flow.

Loan range

$20,000 – $500,000

Term

Up to 12 months

Security

real estate secured

0

Advertised funding speed

Approval in as little as 2 business hours; funding in 24 hours. Real-estate-equity-secured model = decision is equity-driven, not cash-flow-driven.

Interest rate disclosure (per quote, not publicly advertised)

HomeSec does not publish a headline annual percentage rate. Pricing is per-application based on security type (1st/2nd mortgage/caveat), loan amount, term, and risk profile.

Fees

• assessment fee: Small assessment fee payable if offer accepted (covers due diligence) — not publicly itemised
• application fee: Not advertised
• account keeping fee: Not advertised
• early repayment penalty: None on capitalised loans