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 which one suits your short-term loan.
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 loans on property in NSW, Queensland, WA, SA, Tasmania, the ACT and the NT. Direct lender, behind your bank, $20k to $250k possible the same day.
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
Caveat loans in Sydney and across NSW, direct from the lender. Fast business funds behind your bank, $20k to $250k possible the same day. Here's how it works.
Read more →Brisbane
Caveat loans in Brisbane and across Queensland, direct from the lender. Business funds behind your bank, $20k to $250k possible the same day.
Read more →Gold Coast
Caveat loans on the Gold Coast and Tweed, direct from the lender. What valuers think of units, canal homes and industrial, and how fast funds can land.
Read more →Perth
Caveat loans in Perth and across WA, direct from the lender. Business funds behind your bank, lodged with Landgate, $20k to $250k possible the same day.
Read more →Adelaide
Caveat loans in Adelaide and across South Australia, direct from the lender. Business funds behind your bank, $20k to $250k possible the same day.
Read more →Canberra
Caveat loans in Canberra, direct from the lender. Fast business funds behind your bank on ACT Crown lease property, with $20k to $250k possible the same day.
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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