Home Loan Refinance Advance

What is a Home Loan Refinance Advance?

Home Loan Refinance Advance is a fast solution for business owners to access the equity in their home while they are waiting for their refinance to come through.   These loans aren’t just restricted to home loans either as they also work for refinances on commercial property and most other real estate assets.

As we all know, refinances can take up to 3 months to be completed.  If you are wanting to access the equity in your home right now, what good is that??

How to Access Funds for your Business in 24 hours

A Home Loan Refinance Advance from HomeSec Business Finance is the perfect solution because it enables business and self employed clients to access the equity in their real estate asset within 24 hours. Then when their refinance eventually settles, that pays the HomeSec Refinance Advance out, and the job is done.

These loans are so simple, and require hardly any paperwork, as you will see below. They MUST be for a business purpose or commercial investment purpose, a Refinance Advance is also fully tax deductible

Speaking of Tax, the short video below shows how to remove a common refinance obstacle…. TAX DEBTS.

The 3 Simple Things We Need

As our loans are all secured against real estate, we just need to know….

  • What is the property worth?
  • How much is owing under the 1st mortgage?
  • Are there any arrears that we will be bringing up to date?

We just need to know how much the client would like “in the hand”, and for how many months. (ie: Between 1 to 6 months)

All of our loans need to be for some kind of business or commercial purpose, so we need a brief one sentence summary on what that may be.

This means… How will the borrower repay the loan within their chosen loan term of between 1 to 6 months.
Often the Exit Strategy will be…

Refinance of the security property
Sale of an asset
From cashflow

Learn More About HomeSec and our Home Loan Refinance Advance

HomeSec Business Finance is all about HONESTY, TRANSPARENCY and SERVICE.

Many short term business lenderscaveat lenders and 2nd mortgage lenders believe that they have the money to lend and that is all that matters. Too bad if you call their office during business hours with an urgent deal and it is closed for half the day while they play golf or are out looking at properties, etc.  

We understand that short term business lending is all about SPEED & SERVICE. If you have a deal to submit, you want an answer in an hour or two of sending it through, and you want the process to be quick and simple at every stage…. including a simple online application.

That is what HomeSec Business Finance is all about. 

We designed our service for the benefit of clients and brokers… not for ourselves. We allow you to determine your own brokerage fee (up to a maximum of 4% of the loan amount), and it is paid to you at settlement. You don’t even have to send us a tax invoice, as we will do an RCTI and pay the funds directly into your account.   Plus with HomeSec, there are NO CLAWBACKS either.

If you receive a lot of short term business loan applications, we can also discuss genuine white labelling, to help you protect your source of funds, and build your own brand.

Whatever the funding need, lets work together to get it done.

Your Clients + HomeSec Business Loans = Happy Clients & Settled Loans

Fact: NOT All Short Term Business Lenders are the same. 

Some short term business lenders, caveat lenders and 2nd Mortgage lenders issue letters of offer within 2 hours, while others can take up to 24 hours just to issue an indicative offer. There are lenders that do valuations and some that don’t. They can take weeks to settle, and some can settle in just 24 hours. They can charge anywhere from 2%pcm, 4%pcm to even 6%pcm. There are short term business lenders and caveat lenders that want thousands of dollars to be paid up front, and some only require a few hundred dollars to cover the cost of searches. You may find some require full financials to be supplied, meanwhile others don’t.


• We issue a simple “easy to understand” Conditional Approval within TWO business hours of receiving the application.

• We do not do valuations. (we simply do a ‘kerbside’ market appraisal)

• Our System is structured so we CAN physically settle within 24 hours from the time we receive the signed and accepted Conditional Approval.

• We don’t charge thousands of dollars up front. We capitalize all of our costs, except for a modest Acceptance Fee which covers the cost of our searches.

• We do NOT require financials, cashflow records, and credit history is irrelevant. All we need to know is what the business or commercial investment purpose is, and what the exit strategy is.

• All of HomeSec’s Short Term Business Loans are for business and commercial investment purposes, and are structured so all fee’s and interest are TAX DEDUCTABLE.

FACT # 2:

Beware of the hidden “per month” fee’s as well. With 1%pm interest plus all the per month “admin fee’s & management fee’s”, you end up paying well over 4% per month.

If your client needs money yesterday, doesn’t have thousands of dollars to pay for valuations and legals up front, and wants a painless experience, only a short term business loan from HomeSec Business Finance can deliver that.

It is the difference between catching a limo to the airport, compared to catching a bus.

If you need to get to the airport fast and with minimal hassle, you’ll choose the limo.

3 Simple Rules when considering a Refinance Advance

Like all forms of finance, there is a cost.  When considering a short term business loancaveat loan, or 2nd mortgage, always go to a reputable lender. That’s rule number 1. 

Rule number 2 is always get the full cost of the loan for the loan amount and the loan term you require.  Remember that the interest rate isn’t always the best indicator of good value either.

Rule number 3… will the benefit of getting the funds by tomorrow outweigh the costs?   If the answer is YES, don’t procrastinate or over think it… GO FOR IT!.

For more information, or to apply today, visit www.HomeSec.com.au


How to Explain a Refinance Advance to a Client

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