Caveat loan questions, answered

A short-term business loan secured against property equity. The loan agreement gives the lender an interest in the property, and a caveat lodged on the title records it, so the property can't be sold or refinanced without the lender being repaid. No registered mortgage is needed.

No. Ownership doesn't change. The caveat records the lender's claim; it's withdrawn when the loan is repaid.

A second mortgage is a registered mortgage behind the first. A caveat loan relies on the loan agreement and a caveat. Caveat loans are usually quicker to set up and shorter; second mortgages suit longer terms.

Business purposes only — tax debt, property settlements and deposits, stock and supplier payments, buying a business, cash-flow gaps, equipment and similar. It can't be used for personal or household spending.

Property-secured loans range from $20,000 to $5,000,000. The amount depends on your combined LVR — every debt secured on the property after the new loan, divided by the lender's valuation — plus the property type and your exit.

On property-secured loans, $20k to $250k is possible the same day and up to $5m is possible within 24–48 hours when the equity is clear, every owner can sign promptly and the exit is documented.

Usually a signer who isn't available, surprises on the title, a valuation below expectations, missing payout figures, trust paperwork or a vague exit. Nearly all can be sorted before you enquire.

Yes. Funds can be paid directly to whoever needs paying. Verify supplier bank details by phone before any payment.

Usually not. Documents are commonly signed and ID verified electronically, and the caveat is lodged electronically with the land registry.

Yes. Most caveat loans sit behind an existing mortgage, which stays in place. Check your mortgage contract for clauses restricting further security before you sign.

Yes. Shops, offices, warehouses and factories are commonly accepted. Commercial property is valued more cautiously than houses, and leases matter.

Yes. The trustee or company gives the security, and the lender checks the trust deed and company details. Having the deed ready is the key to speed.

Yes, if they agree to guarantee the loan and support it with their property. They should get independent legal advice first.

Often, yes. Credit history and tax debt are considered case by case. Equity and a clear exit carry the most weight.

Every caveat loan is priced on its own facts: the property, the equity, the term and the exit. You'll see the total dollar cost before you commit, rather than a 'from' figure that wouldn't apply to you.

No. There's no credit check when you first enquire. A credit check is only discussed once you decide to go ahead.

No. One team reads your enquiry and works on it. We don't sell or broadcast enquiries, so your phone won't start ringing with strangers.

Because the property value, what's owing, the amount and the deadline decide which structure fits and how fast it can move. Accurate answers mean the first call can give you a real answer.