Caveat loans
Caveat loans for business owners who can’t wait
Secure short-term funding with a caveat over property you own. Your first mortgage stays put, and interest can be capitalised so there are no monthly repayments during the term.
How a caveat loan works
A caveat is a notice lodged on the title of your property. It protects the lender’s interest until the loan is repaid, without needing your first mortgagee to refinance or move aside. That’s why caveat loans are a go-to when timing matters.
- Secured by a registered caveat, plus a charge over the borrowing business
- Short terms, with the option to extend by paying interest monthly
- Interest capitalised for the term, or paid monthly — your choice
- Repay early and unused capitalised interest is credited back
When business owners use one
Clearing an ATO debt before it escalates. Paying a supplier or settling a purchase on time. Covering wages through a slow patch. Bridging until a property sale or bank refinance lands.
What to have ready
The amount and what it’s for, the property address, what’s owing on it, and how the loan will be repaid. With those, Tim can tell you quickly whether the deal works.
Common questions
What is a caveat loan?
A short-term loan where the lender lodges a caveat on the title of your property. The caveat stops the property being sold or refinanced without the loan being dealt with, which is what lets the loan be secured quickly.
Does my existing mortgage need to be refinanced?
No. Your first mortgage stays in place and the caveat sits behind it.
Can a caveat become a registered mortgage?
Yes. Where it suits the deal, the caveat can be converted to a registered second mortgage.
What is the loan for?
Caveat loans are for business purposes only.
Want a straight answer on your deal?
Call Tim or send the details by email. You'll get a clear yes, no or what-it-would-take — usually the same day.