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Property ownershipDeadline playbooksProperty & valuationChoosing the structureGetting back to the bankATO & taxProperty & ownershipProperty settlementsContracts & growthTax time

Stone-fronted commercial building with rows of tenancy windows, the kind of leased property used as loan security

Property ownership

Short Term Loan on Tenanted Commercial Property

A short term loan on tenanted commercial property depends on the lease. See how expiry dates, vacancy and rent move the figure, and the day-by-day plan.

12 November 2026

Hand holding a small house-shaped key ring over printed charts and a laptop on a desk

Deadline playbooks

Mortgage Default Notice: Can You Refinance in Time?

Got a mortgage default notice on business or investment property? How the notice clock works, what a refinance needs in days, and the call to make first.

9 November 2026

Real estate agent holding a sale sign and a clipboard outside a house, representing an agent appraisal

Property & valuation

Agent Appraisal vs Valuation: Why the Gap Matters

Agent appraisal vs valuation: why a lender's valuer lands below the agent's figure, how that moves your borrowing, and the number to plan on before a deadline.

5 November 2026

Owner reading a mortgage contract with reading glasses in hand while reviewing consent terms

Choosing the structure

Second Mortgage Behind a Private First Mortgage

Can you get a second mortgage behind a private first mortgage? The consent hurdle, the three paths compared, and how to pick the one that beats your deadline.

2 November 2026

Looking up at a cluster of city office towers against a clear sky, representing the banks a short-term loan hands back to

Getting back to the bank

How Long Before a Bank Will Refinance a Private Loan?

How long before a bank will refinance a private loan? No waiting period, but a checklist, and a 12-month rule that trips people. Plan it week by week.

29 October 2026

Brisbane skyline and river with a CityCat ferry under a stormy sky

Choosing the structure

Short Term Second Mortgage by State: How Fast, Really?

Short term second mortgage in any state? What each state's registry needs, the PEXA cut-offs that decide your day, and how to plan the clock.

26 October 2026

SOLD sign on a post in front of a red-brick townhouse behind a clipped hedge, the outcome an owner with an ATO judgment debt wants to avoid

ATO & tax

ATO Judgment Debt and Your Property: How Long You Have

ATO judgment debt and you own property? What a writ or warrant on title does, the clocks that start running, and how to use your equity while it's still yours.

22 October 2026

Business owner's hand holding a pen over the fine print of a supplier credit application, the kind of form that can contain a charging clause

Property & ownership

Supplier Caveat on Your Home? How to Clear It Fast

A supplier caveat on your home can freeze a sale or refinance. How charging clauses work, your three ways out, and the structure that pays it off this week.

17 October 2026

Row of heritage brick shopfronts housing a bookstore and an art supplies shop on a sunny Geelong street in Victoria

Property settlements

Victorian Commercial Property Stamp Duty: Funding It Fast

Buying a shop, office or warehouse in Victoria? How stamp duty works under the CIPT reform, the government transition loan's catch, and fast ways to fund it.

10 October 2026

For sale sign outside a property that is being sold to repay a short-term loan

ATO & tax

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.

3 October 2026

Builders reviewing project plans on site after winning a tender

Contracts & growth

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.

3 October 2026

Modern commercial building with timber-look cladding that a business owner is buying as premises

Property settlements

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.

3 October 2026

Empty commercial tenancy with white walls ready for a valuer's inspection

Property & valuation

What a Valuer Checks on Commercial Property for a Loan

Using a shop, office or warehouse as loan security? What the valuer looks at — zoning, lease, condition, recent sales — and how to avoid a low figure.

3 October 2026

Forklift moving through a warehouse aisle stacked with pallets of stock before the end of financial year

Tax time

EOFY Equipment Purchases on a Short-Term Loan

Planning an EOFY equipment or stock buy? How the permanent $20,000 instant asset write-off works, the 30 June trap, and when a short-term loan fits.

3 October 2026

Two co-owners sitting together on the front steps of the house they own jointly

Property & ownership

Borrowing Against Co-Owned Property for Your Business

Want a business loan secured on property you share with someone else? Joint tenants vs tenants in common, why every owner signs, and how to keep it quick.

3 October 2026

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