The Benefits of Becoming a Lender/Investor with HomeSec

At HomeSec we consider ourselves to be a boutique lender. The advantage of dealing with a boutique lender is that we are always available to talk to our investors unlike with some of the larger pool funds lenders, where you are often treated like a number. The moment we have a potential deal ready for you, we call you, as the investor/lender, and run past the loan scenario with you. We explain what the loan is worth, the first or second mortgage, the location of the business and the property that it is secured against, plus all the data that we have collected and approved from our due diligence to get the loan to the stage of you now co-funding with us. Co-funding means that HomeSec actually invests into every loan with the investor. So, both directors Paul and Jason put their own personal money in with each loan as a show of good faith. After we have gone through the deal, you either like it you don’t, and it is either for your or it isn’t. If it is, then you come on board as a lender and your name or company name goes on the title with our company name, and you have complete control over your investment. This means that you don’t just give your money to us, and then let us decide what deals to allocate your money to. In this situation, we could potentially decide to fund some exotic deal that you might not actually feel comfortable with. You know exactly what loan you are investing in and each loan is a stand-alone. On the contrary, with most private lenders you invest in the company. They will then lend to businesses all around Australia, and you have no idea where your investment is. It could be in a flood zone for all you know! You have no idea whether it is a great deal or a risky deal, because you are investing into the company not a specific loan for a specific business like you are with HomeSec.

How Investing with HomeSec Works

• You come on board as a lender/investor with HomeSec
• You are then given a loan to co-fund with HomeSec for a small to medium business somewhere in Australia

• This is your deal that you are co-funding with #HomeSec
• You are on the title on the mortgage with our company name
• Note that this is NOT a pool funds scenario, this is your stand-alone #investment
• You know everything about the property that the deal is secured against!

• Remember your deal will be co-funded with HomeSec

This means that HomeSec puts their own personal money into the deal with you to show good faith.

So, for example if the deal is worth $200k

-??You might put in $150k for example

-?And then we would put in the remaining $50k

This way you know that we will never ask you to fund something that we ourselves wouldn’t also!

Investing with a Pool Funds Investor

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• You invest into the company
• So, rather than having a stand-alone investment, your risk is cross-collateralised