Who you are actually borrowing from
HomeSec Business Finance Pty Ltd is an Australian-owned private lender operating from one office in Melbourne, funding its own loans with its own money. The same people have run credit since 2005. Here is everything a cautious borrower, broker or accountant would want to check before picking up the phone.
Business identifiers
- Legal entity
- HomeSec Business Finance Pty Ltd
- ABN
- 50 150 013 513
- Founded
- 2004
- Ownership
- 100% Australian owned, privately held
- Funding
- Own balance sheet — not a broker or a panel
- Office
- Level 1, Suite 6, 1488 Ferntree Gully Road, Knoxfield VIC 3180
- Phone
- 1300 93 83 87 · (03) 9017 6611
- Hours
- Mon–Fri, 8:30am – 5:30pm Melbourne time
- Lending area
- All states and territories, metropolitan and regional
- Memberships
- CAFBA · SBAA · VCCI
Memberships confirmed current as at September 2026. Each links to the association's own site, where you can check it.
Regulatory position, stated plainly
HomeSec provides credit wholly and exclusively for business and investment purposes.
Credit provided for those purposes is not regulated under the National Consumer Credit Protection Act 2009 (the NCCP Act), and the protections available to consumer borrowers do not apply. HomeSec does not hold, and is not required to hold, an Australian Credit Licence for that lending.
What that means in practice: the responsible lending obligations, statutory hardship provisions, fee caps and comparison-rate disclosure that apply to consumer credit do not apply to your loan. We think you should know that before you borrow, not after.
Because that protection does not apply automatically, we ask about the purpose of every loan and record the answer. If the funds are for personal, domestic or household purposes we do not write the loan, and we will tell you on the first call.
HomeSec lends for business purposes only, so we are not a member of an external dispute resolution scheme and are not required to be. What we do instead is simpler and more direct: a complaints and complaint form that goes straight to senior management at the same time. If something is wrong, tell us and we will deal with it ourselves.
Why "we fund our own loans" is the load-bearing fact
Most businesses calling themselves private lenders are intermediaries. They take your application, assess it, then place it with a fund, a panel or a backer who makes the actual decision. It is a legitimate model. It has one consequence worth understanding before you rely on a timeline: the person you are speaking to cannot say yes.
HomeSec lends from its own balance sheet. When a Lending Manager here tells you on the first call that your file works, there is no funder to check with afterwards and no committee meeting on Tuesday.
It is also why our term is open. A lender drawing on a fund has a mandate telling it when capital must return. We do not — so if your settlement moves a fortnight, we move with it, with no extension fee. More on the open term.
Continuity is only interesting if it spans something. Ours spans the global financial crisis, when most non-bank lending in Australia stopped entirely; the mining downturn, which took regional property values with it; COVID, when the banks pulled back from businesses with perfectly good equity; and the construction shakeout, which is still working through and is why so much of what we write now is progress-claim timing.
We are not claiming we got every file right. We are saying we were open.
What our customers actually say
One source, verifiable, and not controlled by us.
Most of our reviews are five-star and a meaningful minority are one-star, with little in between. That is a polarised profile, and pretending otherwise would be the wrong move — so this page links straight to Trustpilot and lets you read both ends. We have replied to 83% of the negative ones.
A person decides every loan
Every application is read by a Lending Manager and every credit decision is signed off by a person. We do not use artificial intelligence to assess, approve, decline or price a loan. There is no scorecard, no model, and no threshold that closes a file before somebody has looked at it.
An algorithm cannot see why the last two years look the way they do. A person can, and that is the whole reason files we write are ones a scorecard would have rejected.
The people who make the decisions
Paul Stone
Joint Chief Executive. Founded HomeSec in 2004 and wrote its first private business loan.
in · LinkedIn
Jason Brockmuller
Joint Chief Executive. Credit policy, and the second-mortgage and bridging books. With HomeSec since 2008.
in · LinkedIn
Catriona Anderson
General Manager. Signs off every credit decision written by the team. With HomeSec since 2005.
in · LinkedIn
Matt Hempel
National Credit Manager. Day-to-day assessment, security review and settlement coordination.
in · LinkedIn
Samantha Flory
National Sales Manager. Leads the Lending Specialist team. Joined HomeSec in 2022 and rose quickly through the ranks. Service is the whole point for Samantha — good outcomes for clients and for the brokers who send them.
in · LinkedIn
Shanna Mortimer
Lending Specialist. Works with clients through the application and settlement process, from the first call to the day the money lands.
Tony Xin
Credit Analyst. Came to private lending after years at some of Australia's largest banks, with more than a decade in finance behind him. Tony reads the file and the security with a bank-trained eye for credit — and without the bank's timetable. Speed and a straight answer are the point.
James McGindle
Lending Specialist. A decade in equipment and business finance before HomeSec, and it was the helping that brought him here — finding the structure that gets a business owner funded, and getting it done fast. James works with clients from the first call to the day the money lands.
$20,000 to $5,000,000. Maximum LVR 80% on residential security and 70% on commercial. Interest capitalised for up to 6 months. Open term — no minimum, no maximum, no early repayment penalty and no extension fee. Settlement in as little as 24 hours on a clean file.
These are the figures every page quotes. If you ever see a different number anywhere on this site, tell us — it is a mistake, and these are right.
See if you qualify in sixty seconds
Three short questions, no credit check to apply and no financial statements. A Lending Manager reads it and calls you back with a real answer — not a call centre, not an algorithm.
That's the HomeSec Advantage.
Every loan is secured by property. These are the shapes it takes.