The security
Property and states
Residential or commercial, mortgaged or owned outright, held personally or in a trust — and how caveats work in each state's land registry.
Residential property
Use your home or an investment property to secure a caveat loan for your business. What lenders accept, how equity is measured and what to think about first.
Read more →Commercial property
Offices, shops, warehouses and factories can secure a caveat loan. How lenders value commercial property, what leases do and which assets are harder.
Read more →Existing mortgage
Most caveat loans sit behind an existing bank mortgage. How that works, why your first mortgage stays put and the clause in your bank contract to check first.
Read more →Trust or company property
Property held in a family trust, unit trust or company can secure a caveat loan. What the lender checks, which documents you'll need and what slows it down.
Read more →NSW
Caveat loans secured on NSW property: how caveats are lodged with NSW Land Registry Services, what's electronic, how lapsing notices work and what to prepare.
Read more →Victoria
Caveat loans on Victorian property: how caveats show on a register search statement, electronic lodgement, Melbourne and regional security, what to prepare.
Read more →Queensland
Caveat loans on Queensland property: Titles Queensland's eConveyancing mandate, how long caveats last, what a Qld title search shows and what to prepare.
Read more →Western Australia
Caveat loans on WA property: how Landgate caveats are worded, the equitable mortgagee claim, electronic lodgement and what Perth owners should prepare.
Read more →South Australia
Caveat loans on South Australian property: electronic lodgement, how caveats are withdrawn or removed, and what Adelaide and regional owners should prepare.
Read more →Property equity and a deadline? Let's check the numbers
One short enquiry about the property, the amount and your exit. No credit check to ask, no lender list, and a real person who calls you with the structure that fits.
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