Equity, title and state rules
Your property as security
How lenders read your property, your equity and your state's rules — the details that decide how much you can borrow and how fast.
21 plain-English explainers in this section
Unregistered second mortgage
Unregistered second mortgage explained: how it differs from a caveat loan and a registered second mortgage, and why the state your property is in decides.
Read more →Victoria caveat loans
Caveat loans in Victoria for business owners: when a caveat beats a first or second mortgage, what Land Services Victoria records, and how fast it can fund.
Read more →Outside Victoria
Caveat loan in NSW, Queensland or WA? We use a short-term registered second mortgage instead — just as quick, cleaner on title and simpler to pay out.
Read more →How equity is worked out
How much equity you need for a second mortgage or caveat loan: how lenders work out combined LVR, what counts as debt, and the three numbers to have ready.
Read more →Your home as security
Using your home as security for a business loan: which homes work, who has to sign, how the bank loan is treated, and what to settle before you do it.
Read more →Commercial & industrial
Commercial or industrial property as loan security: how shops, offices and warehouses are valued, what the lease changes, and how fast it can fund.
Read more →Trust or company property
Borrowing against property owned by a trust or company: who signs, which documents the lender reads first, and how to keep paperwork from slowing the loan.
Read more →Valuations
Valuation for a private or caveat loan: who orders it, why it differs from your rates notice, what the valuer checks, and how to stop it holding up funding.
Read more →Regional & rural
Short-term loan on regional or rural property: which country titles work, why valuations take longer, and how to keep a regional deal moving at city speed.
Read more →Behind your bank
Caveat loan with an existing mortgage? How it sits behind your bank, what your loan terms may say about consent, second caveats, and when a refinance wins.
Read more →Vacant land
Caveat loan on land: how lenders value a vacant block, why land is assessed more conservatively than a house, and what zoning and subdivision change.
Read more →Home equity for ATO debt
Pay off an ATO debt with home equity: why banks often won't top up, who signs on a jointly owned home, how fast it can fund and how to repay without selling.
Read more →Melbourne
Caveat loans in Melbourne from a direct lender: which homes and industrial property work, how e-lodgment keeps it quick, and when same day is possible.
Read more →Geelong
Caveat loan Geelong: how local valuers treat Armstrong Creek, Corio industrial and Surf Coast holiday homes, and why the whole process runs without a meeting.
Read more →Regional Victoria
Caveat loans in regional Victoria: how Ballarat, Bendigo, Shepparton, Latrobe Valley, Mildura and Warrnambool property is assessed, and why farms take longer.
Read more →Sydney
Searching for a caveat loan in Sydney? On NSW property we write a short-term registered second mortgage: same job, same pace, cleaner title. Here's how.
Read more →Brisbane
Want a caveat loan in Brisbane? On Queensland property we write a short-term registered second mortgage behind your bank, and it moves just as quickly.
Read more →Gold Coast
Caveat loan on the Gold Coast? We fund Queensland property with a short-term registered second mortgage. What valuers think of units, canal homes and Tweed.
Read more →Perth
Looking for a caveat loan in Perth? WA property is funded with a short-term second mortgage lodged with Landgate: just as quick, cleaner on title.
Read more →Adelaide
Need a caveat loan in Adelaide? For SA property we write a short-term registered second mortgage, lodged electronically through Land Services SA. See how.
Read more →Canberra
Caveat loan in Canberra? On ACT property we write a short-term registered second mortgage over your Crown lease. How leasehold works as security, and speed.
Read more →Keep exploring
Other parts of the library
Short-term loan types
Caveat, first mortgage, second mortgage, bridging and more — what each short-term loan is, when it fits and how quickly it can move.
Private business lending explained
How private and non-bank lenders assess, price and settle short-term business loans — and how to come to them prepared.
Funding scenarios
The situations that send business owners looking for short-term money — and how a property-secured loan can solve each one.
See what your business could qualify for
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