CAVEAT LOANS AUSTRALIA
New South Wales Queensland Victoria Australian Capital Territory Tasmania South Australia Western Australia Northern Territory
Available Australia Wide
Specialist Private Lending
When The Banks Say No, We'll Find A Way!
Make No Repayments For 12 Months
Caveat Loans Australia offers finance options that allow borrowers to pause their repayments for an entire year. That's right, no repayments for a whole 12 months.
This provides the borrower with financial breathing space so the borrower can mentally recover and refocus on the more important aspects of the business's financial objectives.
No Proof of Income Needed
No-Doc caveat loans and private 2nd mortgages are ideal for the self-employed business owner who needs a lender that won't ask for any proof of income such as tax returns or financials.
No-Doc loans allow the self-employed business owner to access urgent funding that can be used for trade capital, expansion of business, purchase of stock & equipment, and even to pay ATO tax debts in a compliant manner.
No Tax Returns Needed
Caveat Loans do not require financials, tax returns, or proof of income, and best of all, your credit rating is irrelevant.
So long as borrowers can offer real estate as security, funding can be approved within 24 hours for immediate access across a broad spectrum of personal financial circumstances or commercial deadlines.
Way Faster Than Banks
Short-term private lending credit rules are different from mainstream banks; private lending can be a far more logical alternative source of capital for businesses or individuals that need funding without all the red tape.
Because private loans are funded through non-bank sources, borrowers can raise capital that is much more flexible and way faster into a bank.
Rapid Hard Money Lending
24 Hour Finance Approvals
Self-Employed Loans Lo-Doc Loans
Instant Lending Australia-Wide
Business Caveat Loans
Personal Caveat Loans
Debt Consolidation Re-Financing
Sydney Brisbane Melbourne Adelaide
Private 2nd Mortgages
Lowest Caveat Loan Rates
Fastest Private Loan Approval
Mezzanine Debt & Equity Financing
No Credit Checks & Bad Credit Loans
Outstanding ATO Tax Debts Loans
Non-Bank Private lending Alternatives
Canberra Perth Tasmania Darwin
Can Anyone Get A Caveat Loan?
The good news is that caveat loans are super easy to approve and offer genuine lending solutions for urgent financial circumstances that are up against the clock, such as private business loans, private bridging loans, private lines of credit, and even private mortgages.
Caveat loans are a straightforward short-term finance solution that can alleviate many of the problems one may experience at their local banks. Because the approval process is so much faster than bank loans, this often can reduce the borrower's financial loss because settlement deadlines can be met without loss of deposits or penalty interest.
And with Australia's major banks and lending institutions tightening their credit criteria, caveat loans are almost a temporary necessity due to the banks making financing nearly impossible to approve on time.
Caveat loans, private lending, and private second mortgages can certainly provide borrowers with comfort in knowing that if their local bank rejects them for finance, private caveat loans can be obtained quickly as a short-term interim facility acting as a bridging loan until such time their financial circumstances have come back into shape that the banks will later qualify and refinance back in.
Caveat loans appeal to a large audience of borrowers, be it high net-worth property investors who are frustrated with the banks or the mum-and-dad property investors who are trying to expand their real-estate portfolio or start-up or expand a business, and time is of the essence.
Private funding provides an additional lending advantage because we do not require financials or tax returns, bank statements, or proof of income, and best of all, the applicant's credit rating is irrelevant.
Caveat Loans can be tailored to suit anyone's needs for short-term lending periods by allowing real estate owners to tap into their real-estates property equity.
This simplifies business owners’ financial affairs by eliminating the need to juggle numerous repayments at once by combining business loans, credit cards, or any other miscellaneous creditors into one predictable monthly repayment, further reducing financial losses by reducing higher rates into one affordable blended interest rate.
Dealing with banks can also be extremely difficult as they are well known to take so long to approve and settle a borrower's loan, which places more stress on a self-employed borrower's business. With the use of private caveat loans, funding can be approved in a fraction of the time, allowing the applicant to get back on track sooner.
Are caveat loans fast?
Some areas where private caveat loans may be advantageous is in time-poor emergency scenarios where access to immediate capital is required as cash out to meet urgent deadlines for those requiring loan amounts from $50K up to $50M, without having to provide proof of income or the need to jump through a thousand hoops to be approved. Getting approved is super easy.
Banks can take weeks to get approved, which drags settlement out for months. Caveat Loans Australia, however, can provide fast, sensible finance that can be approved in under 24 hours, making it an extremely viable option for those who are up against the clock and need a flexible alternative that will allow them to access their property's built-up equity.
How Are Caveat Loans Secured?
Caveat loans can be secured via the registration of a second mortgage or a caveat being registered as a lien on a property title, even if you have an existing first mortgage.
This allows borrowers to access funds through a second mortgage without needing to pay off their first mortgage, simplifying the process and avoiding the complexities of refinancing.
Typically, loan terms can range anywhere from 3, 6, or 12 months or more as required by the borrower, enabling property owners the ability to unlock their built-up equity within their property's real-estate title and can be settled extremely quickly for a variety of practical funding purposes.
For many, a second mortgage caveat loan serves as an excellent short-term solution that opens up a line of credit facility without the need to discharge the current mortgage.
The critical advantage of the private second mortgage caveat lending process is that it is far more flexible in comparison with mainstream lenders.
And because funding is sourced through high-net-worth sophisticated private investors, superannuation funds, and investment family offices from around the world, we can bypass much of the red tape often encountered when seeking funding from mainstream banking institutions.
Secured 2nd mortgage caveat loans accommodate urgent circumstances when a business or individual borrower requires structured lending ranging from $50,000 to $100 million.
The good news is when an individual has a clear and unencumbered property title in NSW, QLD, VIC, ACT, S.A., TAS, W.A., N.T., funding can be approved within the same day within a few hours for use as immediate equity access.
When time is of the essence, www.caveatans.finance offers second mortgage caveat loans for a variety of commercial and personal lending situations to alleviate the associated stress that our valued clients may want to avoid experiencing when they are up against the clock and need money in a hurry.
CAVEAT LOAN ADVANTAGES
NO REPAYMENTS FOR 12 MONTHS
BOTH BUSINESS & PERSONAL USE
LENDING UP TO 80% LVR
Choice to not make any repayments over the life of loan.
This provides greater flexibility to stay cash flow positive over the loan term providing you with greater fiscal breathing space and financial liquidity.
Some private lenders only provide business loans for commercial use purposes only.
We provide both business and personal loans to almost any real-estate owner with funds approval within 24 hours.
Most lenders typically cap loans at 65%, while we can provide finance approval up to 80% LVR for special high-quality securities, subject to location & valuation and viability of the lending facility.
As a duty of care, we remind anyone seeking private finance to seek independent financial & legal advice before deciding as to what's right for you.
Why Caveat Loans Australia?
We are a trusted, ethical private finance service provider with 25 years of experience assisting borrowers. Committed to values of trust and honesty, we work diligently to secure our clients' approval by offering unparalleled customer support tailored to their needs.
Our consultants treat every client like family, upholding the highest standards of integrity, which helps us forge lasting financial partnerships.
When you engage with our business managers, you'll find a friendly team dedicated to understanding your unique story, enabling us to provide you with the most suitable private finance option specific to you.
Benefits of Caveat Loans?
You may consider a private caveat loan or a second for various reasons. Here are some situations where obtaining funding could be advantageous.
If your situation isn't listed, we may still be able to assist you with financing. Contact us to discuss a private finance solution customized to your needs.
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Purchasing a home.
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Renovating a home before selling.
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Funding construction projects.
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Developing property subdivisions.
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Refinancing an existing mortgage.
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Payout overdue ATO tax debts.
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Establishing a business overdraft line of credit.
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Unlocking equity in an existing property.
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Acquiring real estate investments.
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Starting or growing a business.
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Raising working capital as a self-employed individual.
How Long Until I Get The Funds?
Our loan process is incredibly quick, as we approve and assess loans without requiring documentation. The approval criteria are more flexible than traditional bank loans.
The most attractive aspect is that you can receive approval within just 4 hours. Depending on whether you need a 1st or 2nd mortgage, settlements can occur in as little as 24 hours, with more complex cases typically resolved in a week.
It's important to note that the time frame may vary based on the type of product and the complexity of the loan, such as development or construction loans, which generally take longer compared to accessing your property's equity.
We guarantee that if you find a better offer from another lender and share that offer letter with us, we will match it, no questions asked.
Why Are Banks So Hard To Deal With?
The major banks have continued to tighten their credit lending policies and guidelines for a variety of reasons that are not only limited to the Australian Government and ASIC putting pressure on banks to be more responsible with how they offer loans, but this did play a role. After a lengthy royal commission investigation into the banking and finance industry, it was found that there were many breaches by the banks on how and who they offered credit.
While this wasn't the only reason banks have maintained their stance on their lending policies, the reality is that the Royal Commission has indeed created a ripple effect of forced changes that were imposed across the board as a measure of responsible credit management within the financial services industry.
Granted, these changes are designed to protect the everyday consumer, but they continue to hamper genuine borrowers' ability to obtain financial services across Australia.
This is where private lending may offer a short funding solution, at the very least as an interim facility where a borrower can access the equity within their real estate that can be sensibly used as a financial lifeline when an individual is up against the clock and needs to meet their business or commercial deadlines.
Caveat loans and private 2nd mortgages may provide a sensible & viable lending alternative in instances where such urgent business capital or personal credit lines are required, and critically, so long as professional financial and legal advice is obtained, coupled with a viable exit strategy being determined, non-bank private mortgage lending can provide breathing space one needs until their financial circumstances have come back into shape.
Get An Express Quote
If you’d like to obtain an obligation-free quote please provide some basic information by completing the information below. Once received one of our consultants will get back to you ASAP.