Everything investors ask us.

Investor Opportunities is the investor program of HomeSec Business Finance, an Australian private lender founded in 2004. Wholesale investors co-fund individual short term business loans secured by registered first and second mortgages over Australian real estate. You choose each loan, you are named on the mortgage for your share, and HomeSec's own money sits in every loan alongside yours.

No. You don't buy units in a pool. You lend into a specific loan you've reviewed, and you're registered on the mortgage for your exact contribution, alongside HomeSec. There is no pooled money, no unit price and no redemption queue.

When a loan is ready, we email you its due diligence pack — the property, the borrower, the purpose, the exit strategy, the LVR, the term and the rate. You assess it yourself and tell us whether you'd like to contribute, and how much. There's never any obligation to take a loan.

Yes. The loan agreement is prepared in your name (or your company's, trust's or SMSF's), and you are registered on the mortgage — or caveat, where that is the security — for your exact contribution, alongside HomeSec.

Yes — in every loan. HomeSec funds the majority of its loans from its own balance sheet and co-invests in every loan it offers to investors, often 50/50. Its capital sits in the same loan, on the same mortgage, as yours.

Yes. Loan packs are emailed, updates come by SMS and email, and you fund by bank transfer at settlement — so co-funders can be anywhere in Australia or the world. Our Funding Manager is available 7 days a week by phone.

Returns are 12% to 18% p.a. on the loans you choose. The rate is set loan by loan and shown in each loan's pack before you commit. Borrowers pay a premium for speed, flexibility and short terms — that premium is what you earn.

Directly into your own nominated bank account — not to HomeSec and not into a fund.

No. Lending money is an input-taxed financial supply, so interest earned on the loans is not subject to GST. Interest is assessable income; talk to your accountant about your own tax position.

Loans run for 1 to 12 months. When a loan matures and is repaid, your principal and interest go straight back to your account, and you decide whether to take the next opportunity.

Yes. If you want out early, HomeSec will buy out your share and repay your principal. You can also stop co-funding at any time — once your current loans are repaid, you simply don't take the next one.

There's no pool to freeze and no redemption queue. Your money is in a specific loan, repaid when that loan is repaid — or earlier through HomeSec's buy-out. A borrower can repay late; if that happens, we manage it with you and enforce the security if needed.

A registered first or second mortgage over Australian residential or commercial real estate, with your name on it. The maximum LVR is 80% on residential property and lower on commercial, leaving an equity buffer if a property ever has to be sold.

No. We only fund straightforward business loans secured against existing real estate. No construction, no development, and no unusual properties that would take a long time to sell.

The loan is enforceable through the courts in every state. As mortgagee, the lenders can take possession and sell the property. HomeSec manages the process with specialist lawyers and meets the legal costs of recovery on defaulted loans — and our own money is in the same loan.

No. The Financial Claims Scheme covers deposits with banks and other authorised deposit-taking institutions. Co-funded loans are secured by registered mortgages over property instead.

Every loan is assessed against a 50-point due diligence checklist, and both joint CEOs are involved in every lending decision. You then review the pack yourself before deciding.

Wholesale and sophisticated investors — individuals, companies, trusts and SMSFs — including investors outside Australia.

You decide, loan by loan. Co-funders typically put anywhere from $100,000 to several million dollars into each loan, and there is never any obligation to take a loan. HomeSec co-invests its own money alongside you.

Most people qualify with a qualified accountant's certificate, no more than two years old, showing net assets of at least $2.5 million or gross income of at least $250,000 in each of the last two financial years. Companies and trusts controlled by a qualifying person can qualify too.

Yes. Many of our co-funders use their self-managed super fund as well as funds in their own name. The loan and mortgage are in the name of the SMSF's trustee and repayments go to the fund's bank account. Check your trust deed and investment strategy allow it.

Yes. Everything is done by email, phone and Zoom, and the security is a registered Australian mortgage. Interest paid to non-residents generally has 10% interest withholding tax deducted, or a lower treaty rate.