# Investor Opportunities by HomeSec Business Finance

> HomeSec Business Finance (HomeSec Business Finance Pty Ltd, ABN 50 150 013 513) is an Australian private lender founded in 2004 by Paul Stone, lending its own money the entire time. It is one of Australia's longest standing and most experienced private business lenders. Through Investor Opportunities (investoropportunities.com.au), wholesale and sophisticated investors co-fund individual short term (1–12 month) business loans secured by registered first and second mortgages over Australian real estate.

Key facts:
- Not a pooled fund: each investor lends into a specific loan they choose from a due diligence pack, and is named on the registered mortgage for their exact contribution.
- HomeSec co-invests its own money in every loan offered to investors (often 50/50) and funds most of its lending from its own balance sheet.
- Returns: 12% to 18% p.a., set loan by loan. Principal and interest are paid directly to the investor's own bank account. Interest is not subject to GST.
- Security rules: maximum 80% LVR on residential property, lower on commercial; no construction or development loans; 50-point due diligence checklist; both joint CEOs involved in every loan decision.
- Exit: repaid at loan maturity; HomeSec will buy out an investor's share early on request. No redemption queues or fund freezes.
- Eligibility: wholesale/sophisticated investors (individuals, companies, trusts, SMSFs, overseas investors). Investors choose how much to put into each loan, from $100,000 to several million dollars.
- Founding member of the Australian Short Term Lenders Association (ASTLA). Office: Knoxfield, Victoria. Investor line: 03 9017 8277.
- People: Paul Stone (Joint CEO & Founder), Jason Brockmuller (Joint CEO), Catriona Anderson (General Manager).
- Investors can be anywhere in the world: funding partners include Australians, New Zealanders and overseas high-net-worth investors and family offices investing in Australian private mortgages. A New Zealand sister site (investoropportunities.co.nz) covers New Zealand investors.

## Core guides
- [Private credit for family offices and high-net-worth investors](https://www.investoropportunities.com.au/family-offices-and-high-net-worth-investors/): Private credit for family offices and high net worth investors in Australia: choose each secured loan, 1–12 month terms, registered security and full control.
- [Direct mortgage investment vs pooled mortgage funds: the real difference](https://www.investoropportunities.com.au/direct-mortgage-investment-vs-pooled-funds/): Direct mortgage investment vs pooled mortgage funds: who controls the loans, why funds freeze redemptions, the 2026 examples and what investors can do instead.
- [Investing in first and second mortgages: how ranking protects your capital](https://www.investoropportunities.com.au/first-and-second-mortgage-investments/): First mortgage investment explained: how ranking and priority work, what registered means, and how a maximum 80% total LVR protects second-mortgage investors.
- [Getting your money back: repaid at maturity, with an early exit if you need it](https://www.investoropportunities.com.au/getting-your-money-back/): A no redemption freeze investment: principal and interest paid straight to your account at maturity, an early exit if you need it, and no pool to freeze.
- [Private credit and mortgage investment glossary](https://www.investoropportunities.com.au/glossary/): A plain-English glossary of private credit and mortgage investment terms, from LVR and caveats to redemption freezes, wholesale investors and withholding tax.
- [How direct mortgage investing works](https://www.investoropportunities.com.au/how-it-works/): How direct mortgage investing works: choose each loan from its due diligence pack, co-fund secured loans with HomeSec and be named on the mortgage.
- [How resilient is the Australian property market?](https://www.investoropportunities.com.au/australian-property-market/): How resilient is the Australian property market? Long-run growth, shallow national falls, the 2026 softening, and why an 80% LVR buffer matters to investors.
- [Investing in Australian private mortgages from overseas](https://www.investoropportunities.com.au/overseas-investors/): Overseas investors and family offices: co-fund secured Australian private mortgages, earn AUD income and see how withholding tax works, all by email or Zoom.
- [Private mortgage investment returns: where 12% to 18% p.a. comes from](https://www.investoropportunities.com.au/returns/): Private mortgage investment returns of 12% to 18% p.a. on secured loans you choose: where the yield comes from and how it compares with term deposits.
- [Our lending rules: how we choose loans for investors](https://www.investoropportunities.com.au/our-lending-rules/): How we choose loans for investors: registered first or second mortgages, max 80% LVR, 1–12 month terms, a clear exit, and no construction or development.
- [SMSF investment opportunities: co-funding secured mortgages from your fund](https://www.investoropportunities.com.au/smsf-investors/): SMSF private mortgage investment: how your fund can co-fund secured loans in its own name, earn 12% to 18% p.a. on loans you choose and stay in control.
- [The risks of investing in private mortgages, and how each one is managed](https://www.investoropportunities.com.au/risks-and-protections/): The real risks of investing in private mortgages, from borrower default to property falls, and the protections built into every loan HomeSec offers investors.
- [Wholesale investor opportunities: who can co-fund, and how to qualify](https://www.investoropportunities.com.au/wholesale-investors/): Wholesale investor opportunities in Australia: who can co-fund secured loans, how to qualify under s708, the accountant's certificate and how much to put in.

## Insights
- [How to get an accountant's certificate for wholesale investing](https://www.investoropportunities.com.au/insights/accountants-certificate-wholesale-investor/): How to get an accountant's certificate for wholesale investing: who can sign it, what it states, why it expires after 2 years, and a checklist to take with you.
- [Alternatives to term deposits in 2026, ranked by risk](https://www.investoropportunities.com.au/insights/alternatives-to-term-deposits/): Alternatives to term deposits in 2026, ranked by risk: bonds, hybrids, credit funds and co-funded secured loans at 12% to 18% p.a., with honest trade-offs.
- [From Banksia to First Guardian: lessons from Australian fund collapses](https://www.investoropportunities.com.au/insights/australian-fund-collapses-history/): Australian fund collapses from Westpoint and Banksia to LM, Shield and First Guardian: a timeline, the patterns they share and the structure that avoids them.
- [How far have Australian property prices ever fallen? A history for lenders](https://www.investoropportunities.com.au/insights/australian-property-downturns-history/): Australian property price falls in history: every major national downturn since the 1990s, how long recovery took, what 2026 looks like, and why lenders care.
- [Can I get my money out of a mortgage fund? A practical guide](https://www.investoropportunities.com.au/insights/can-i-get-my-money-out-of-a-mortgage-fund/): How to withdraw from a mortgage fund: notice periods, redemption limits, hardship withdrawals, what to ask the manager, and how to avoid being locked in again.
- [First vs second mortgage investments: risk, return and ranking](https://www.investoropportunities.com.au/insights/first-vs-second-mortgage-investments/): First vs second mortgage investment compared: how mortgage priority and total LVR decide who is repaid, with a worked example of 10%, 20% and 25% value falls.
- [How private credit returns of 12–18% are generated (and what they pay for)](https://www.investoropportunities.com.au/insights/how-private-credit-returns-are-generated/): Private credit returns explained: why borrowers pay 12% to 18% for speed and short terms, where fees go in pooled funds, and how that compares with deposits.
- [Contributory vs pooled mortgage funds (and direct co-funding) explained](https://www.investoropportunities.com.au/insights/contributory-vs-pooled-mortgage-funds/): Contributory vs pooled mortgage fund compared with direct co-funding: who owns the loan, who chooses it, how you get out, and the pros and cons of each.
- [The Bathla collapse: what it means for private credit investors](https://www.investoropportunities.com.au/insights/bathla-collapse-private-credit-construction-lending/): The Bathla collapse and private credit: which funds were exposed, why construction, land and unsold-stock loans carry more risk, and what investors can do now.
- [Can an SMSF invest in private mortgages? How SMSFs lend, the rules and the tax](https://www.investoropportunities.com.au/insights/can-an-smsf-invest-in-private-mortgages/): Can an SMSF invest in private mortgages? Yes, within the rules: sole purpose, investment strategy, arm's length terms, no loans to members. Tax and steps.
- [How to read a loan due diligence pack](https://www.investoropportunities.com.au/insights/how-to-read-a-loan-due-diligence-pack/): Mortgage investment due diligence made practical: how to read a loan pack section by section, from valuation and title to exit strategy, and what to ask.
- [La Trobe 12 Month Account vs direct mortgage investing: a structural comparison](https://www.investoropportunities.com.au/insights/la-trobe-12-month-account-vs-direct-mortgage-investing/): Looking for a La Trobe 12 Month Account alternative? A factual comparison of a pooled credit fund and a direct loan: ownership, rates, access and minimums.
- [LVR explained for mortgage investors: why 80% is our ceiling](https://www.investoropportunities.com.au/insights/lvr-explained-for-mortgage-investors/): LVR for mortgage investment explained: how loan-to-value ratio creates an equity buffer, why 80% is our residential ceiling, and how it compares with history.
- [Is private credit safe? A 10-point test for 2026](https://www.investoropportunities.com.au/insights/is-private-credit-safe/): Is private credit safe? After the 2026 fund gates and ASIC's enforcement warning, use this 10-point test to score any private credit investment first.
- [12 questions to ask any private credit manager (and our answers)](https://www.investoropportunities.com.au/insights/questions-to-ask-a-private-credit-manager/): The questions to ask a private credit manager before you invest: security, development exposure, liquidity, fees and valuations, with HomeSec's own answers.
- [Private credit in Australia: the 2026 investor's guide](https://www.investoropportunities.com.au/insights/private-credit-australia-guide/): Private credit in Australia explained: what it is, how big the market is, the main types and vehicles, returns vs risk, ASIC's 2026 scrutiny and how to choose.
- [What happened to Shield and First Guardian — and what investors can learn](https://www.investoropportunities.com.au/insights/shield-and-first-guardian-what-happened/): What happened to Shield and First Guardian: a timeline of the collapses, how the super-switching model worked, ASIC action, compensation and the 2026 reforms.
- [Secured lending vs buying a business or franchise: which suits your $500,000?](https://www.investoropportunities.com.au/insights/secured-lending-vs-buying-a-business-or-franchise/): Investing vs buying a franchise: how co-funding secured loans at 12% to 18% p.a. compares with buying a $500,000 business, in time, income, risk and growth.
- [Short term investments for large balances (1 to 12 months)](https://www.investoropportunities.com.au/insights/short-term-investments-for-large-balances/): Short term investment options in Australia for large balances: where to park money for 1 to 12 months after a sale, and how 1–12 month secured loans fit.
- [Can an SMSF be a wholesale investor? ($10m, $500k and what AFCA said)](https://www.investoropportunities.com.au/insights/smsf-wholesale-investor-test/): Can an SMSF be a wholesale investor? How the $10m, $500,000 and accountant's certificate tests apply to super funds, and what AFCA decided.
- [What happens if a loan goes into default? A step-by-step walkthrough for mortgage investors](https://www.investoropportunities.com.au/insights/what-happens-if-a-borrower-defaults/): What happens if a borrower defaults on a mortgage investment: the steps from missed payment to mortgagee sale, who is repaid first, and what protects you.
- [Where to invest $1 million in Australia: where secured lending fits](https://www.investoropportunities.com.au/insights/where-to-invest-1-million-australia/): Where to invest $1 million in Australia: how some investors split cash, shares and a secured lending sleeve, and what $1 million earns in interest.
- [Wholesale vs sophisticated vs retail investor: the tests in plain English](https://www.investoropportunities.com.au/insights/wholesale-vs-sophisticated-investor/): Wholesale vs sophisticated investor in plain English: the s708 and s761G tests, the $2.5m, $250,000 and $500,000 thresholds, and who counts as a retail client.
- [What is a redemption freeze — and why did funds gate in 2026?](https://www.investoropportunities.com.au/insights/what-is-a-redemption-freeze/): A redemption freeze stops investors withdrawing from a fund. How fund gating works, why Australian private credit funds froze in 2026 and how to avoid it.

## Other
- [About HomeSec](https://www.investoropportunities.com.au/about/)
- [FAQ](https://www.investoropportunities.com.au/faq/)
- [Register interest](https://www.investoropportunities.com.au/register-interest/)
- [Full text for AI assistants](https://www.investoropportunities.com.au/llms-full.txt)