Secured against property. No income verification. $50K to $5M. When you need urgent funding, caveat loans deliver speed that banks can't match.
A caveat loan is a short-term secured loan where the lender places a caveat (a legal interest) over your property instead of a full mortgage. This allows for much faster settlement because the legal process is simpler than registering a mortgage.
Need fast working capital, stock purchase, or to cover a cash flow gap. Use property equity without disrupting your existing bank facilities.
Acquire a site quickly before development finance is in place. Fund demolition, DA costs, or hold a deposit while bank construction finance is approved.
Won at auction and need to settle in 28-42 days? If your bank can't move fast enough, a caveat loan bridges the gap until mainstream finance settles.
ATO has lodged a charge or garnishee notice. A caveat loan clears the debt immediately, removing the block so you can refinance back to a bank.
Need to buy out a former partner's share quickly, or access equity to fund a settlement before court-ordered deadlines.
Need to access equity in a property you own outright, but don't have the income documentation for a bank loan. Caveat loans use the property, not your payslip.
Property address, estimated value, how much you need, and when you need it. Takes 2 minutes via our online form.
We present your deal to the most suitable caveat lenders on our panel. Most provide indicative terms within 24 hours.
The lender reviews the deal and issues conditional approval, typically subject to a valuation and legal review.
Funds are released once the caveat is lodged. Typical timeframe: 1-5 business days from approval.
No income verification. Assessed on the security property.
Caveat loans are short-term instruments. Costs are higher per annum than bank loans, but the total cost over the short term is often modest relative to the problem they solve.
Yes. A caveat can sit behind an existing first mortgage. This is called a second caveat or second-ranking security. The combined LVR (first mortgage + caveat) typically needs to be under 70-75%.
A caveat itself doesn't appear on your credit file. However, some caveat lenders may do a credit enquiry which can appear. We can advise which lenders do and don't check credit.
A caveat is registered on the property title, so it is discoverable through a title search. Your bank may notice it if they search the title. Some banks have clauses requiring notification of additional encumbrances.
Most lenders will negotiate an extension if you communicate early. Default interest rates are typically higher. In worst-case scenarios, the lender can enforce the caveat through the court system. This is why having a clear exit strategy is critical.
A bridging loan uses a full registered mortgage and typically has lower rates but takes longer to settle. A caveat loan uses a caveat (simpler legal instrument) which allows faster settlement but at a premium. For urgent deals, caveat wins on speed. For 2+ week timelines, a bridging loan may be more cost-effective.
Most caveat lenders accept residential, commercial, industrial, and land. Rural properties and specialist assets (e.g. childcare centres, service stations) are assessed case-by-case. The property must have sufficient equity and be located in a metropolitan or major regional area.
Tell us about your deal and get indicative terms from private lenders within 24 hours. No obligation.
Disclaimer: Caveat loan rates, fees, and terms are indicative only and subject to lender assessment. All applications are subject to lender approval and individual circumstances. Esteb and Co Pty Ltd (Credit Representative Number 574070) is a Credit Representative of BLSSA Pty Ltd (Australian Credit Licence 391237). This information does not constitute a loan offer or financial advice. Please contact us to discuss your specific requirements.
