Direct lender · Caveat loans · 1st & 2nd mortgages
Short-term caveat loans and property-secured business loans, funded fast.
Caveat loans, first and second mortgages, bridging and private business loans from $20k to $5m — straight from the lender, matched to your state, your title and your deadline by a real person.
No credit check when you first enquire · 60 seconds
Pick your position on title
Six ways to borrow short-term against property
The right loan depends on three things: which state the property is in, what's already owed on it, and how the money will be repaid. Here's the menu.
Short-term caveat loan
Borrow behind your existing mortgage on Victorian property. Your bank loan stays exactly where it is.
How it works → Every other stateShort-term second mortgage
Registered behind your current lender in NSW, Qld, WA, SA, Tas, ACT and NT — the caveat's interstate twin, just as quick.
How it works → Clear title or refinanceShort-term first mortgage
Owned outright, or the current loan needs paying out? One first-ranking loan with the new money added.
How it works → Buy before you sellBridging finance
Funds now, repaid when a property sale settles — for premises, a business purchase or a deadline that won't wait.
How it works → Outside the banksPrivate business loans
Assessed on your property and your exit rather than years of tax returns. Bad credit and ATO debt considered.
How it works → On the clockFast short-term business loans
Where the hours are won and lost — and how to have a file ready to fund the same day.
How it works →What we lend against
Ordinary Australian homes. Extraordinary deadlines.
Most of our short-term loans are secured by the kind of property you see on any suburban street — the family home, an investment unit, a cottage in the inner suburbs or a block of townhouses.
No credit check to ask
Finding out what's possible leaves your credit file untouched. A credit check only comes up once you choose to proceed.
The lender, not a broker
Your enquiry isn't sold or sprayed across a dozen lenders. You deal directly with the people who make the lending decision, from first call to settlement.
A real person on the clock
A lending specialist reads your answers and calls you. Accurate details about the property and the deadline get you a real answer on that first call.
The state rule nobody explains
Caveat in Victoria. Second mortgage everywhere else.
Here's how it works with us: caveat loans are written for Victorian property, where a caveat on the title is a well-trodden way for a short-term lender to protect its position behind your bank.
For property in NSW, Queensland, WA, SA, Tasmania, the ACT and the NT, we do the same job with a short-term registered second mortgage. It ranks behind your existing loan on the register, gives everyone a clear position, and is usually arranged just as quickly. Same purpose, same speed, a structure that suits your state.
From enquiry to settlement
How a short-term loan runs to the clock
- Minute 1
60-second enquiry
The property, the amount, the deadline and how you'll repay. No credit check to ask.
- Same day
A real person calls
A lending specialist checks the structure that fits your state and title and tells you what's realistic.
- Next
Offer and documents
ID for every owner, the current loan's payout figure, valuation and evidence of your exit.
- Settlement
Funds released
Paid to you or straight to whoever needs paying — the ATO, a vendor, a supplier.
Funding scenarios
The deadlines that bring owners to us
Tax debts, settlements, contracts and declined bank applications — each one has a short-term structure that fits.
ATO tax debt
Using property to clear an ATO debt? Compare caveat, second mortgage and first mortgage options, how fast each settles and the exit lenders want to see.
Read more →Urgent, property-secured
Need business funds this week? See which property-secured loan moves fastest for your title and state, what slows a deal down and how to get ahead of it.
Read more →Emergency mortgage
Garnishee notice, demand or frozen account? How an emergency private mortgage works, which structure fits your title and what to do in the first 24 hours.
Read more →Bad credit
Defaults, judgments or an ATO listing? How private lenders weigh bad credit against property equity, which structure fits your state and how to present it.
Read more →Settlement shortfall
Valuation came in low or the bank's running late? How a settlement shortfall loan works, which short-term structure fits, and what to do before the deadline.
Read more →Buying a business
Found the right business but the bank's too slow? How a short-term loan secured by property funds the purchase, which structure suits, and how you refinance.
Read more →Straight talk
Four things people get wrong about short-term property loans
"I'll have to refinance my whole home loan."
Usually not. A caveat loan in Victoria or a second mortgage elsewhere sits behind your existing loan and leaves it untouched.
"Bad credit means no."
Not here. Property equity and a clear exit carry a lot of weight, so past defaults and ATO debt are looked at case by case.
"Enquiring will hurt my credit score."
There's no credit check when you first enquire. It's a conversation first, an application only if you choose to proceed.
"Fast means careless."
Speed comes from preparation — a clean title, signers on hand and an exit with paperwork behind it. Our exit date check shows where you stand.
Guides
Short-term lending, explained by the desk
Pay Off an ATO Payment Plan Before a Property Sale
On an ATO payment plan with a property sale coming? How a short-term loan clears the tax debt now, gets repaid at settlement, and which structure fits.
Read the guide →Won a Tender, Deposit Due: A 72-Hour Funding Plan
Won a tender or contract and a supplier deposit or mobilisation cost is due this week? An hour-by-hour plan to fund it fast and which loan fits the job.
Read the guide →Premises Settling in 10 Days and the Bank Won't Make It
Settlement on your business premises is ten days away and the bank is running late. How a short-term first mortgage settles on time, then hands back.
Read the guide →FAQ
Short-term caveat loans and private business loans — common questions
What is a short-term caveat loan?
A business loan secured by a caveat lodged on the title of Victorian property, usually sitting behind an existing mortgage. It's designed for months, not decades, and is repaid by a sale, a refinance or a known payment. For property in other states we arrange the same thing as a short-term registered second mortgage.
How much can I borrow?
Property-secured short-term business loans range from $20,000 to $5,000,000, depending on the property's value, what's already owed and the exit. Our free calculator shows your indicative borrowing room in about a minute.
How fast can a short-term property loan be funded?
$20k to $250k is possible the same day on a property-secured loan, and up to $5m is possible within 24–48 hours, when the title, equity, signers and exit line up. Preparation is what makes the difference.
Do you lend if I have bad credit or an ATO debt?
Both are considered case by case. Because the loan is secured by property and repaid by a clear exit, past credit problems and tax debts don't automatically rule you out.
Will enquiring affect my credit score?
No. There's no credit check when you first enquire. A credit check only comes up if you decide to go ahead with an application.
Will my details be sent to lots of lenders?
No. We're the lender, not a broker, so your scenario stays with us from start to settlement. Your details aren't auctioned or sprayed across a list of lenders.
Can I use the loan for personal purposes?
No — these are business loans only. Typical uses include tax debts, settlements, stock, contracts, buying a business, paying out a partner and bridging a property sale.
Got a deadline? Let's see what your property can do.
One 60-second enquiry, no credit check when you first enquire, and a real person who calls you with the structure that fits your state and your timing.
No credit check to ask
The lender, not a broker
A real person on the clock