Caveat loans and private mortgages, also referred to as solicitor funds are terms used to describe specialist non-bank lending. This type of lending can be very useful when a borrower needs to access fast flexible & fuss-free finance.

Caveat loans and private lending allows Australian property owners to leverage their real-estate equity in the instance where a conventional bank or mainstream finance lender has refused a perfectly legitimate request for commercial credit. Yes, this does occur, even the most sensible borrower can be refused finance through a major lending institution. This is where a caveat loan and private mortgage can be beneficial to access urgent funding. 

We understand that there can be many reasons why a business or individual may need to raise urgent business capital and equity. ​There are No Tax Returns, No Financials, and No Credit Checks required... it’s that simple. Caveat loans and private mortgages provide a legitimate and viable source of capital & equity lines of credit when you are up against the clock. With the right advice from a financial or legal advisor, the use of private solicitor funds may offer a genuine short term finance alternative when regular options are limited at the time.

Private lending can be structured in various forms such as lines of credit, bridging finance, home loans, equity access & cash-out facilities, overdrafts, commercial mortgages, development & construction finance, mezzanine finance, short term finance, mortgage refinancing, debt consolidation and much more.

Loan amounts between $20K up to $10can be approved within 24 hours without the usual red tape that is often associated with the time-consuming process that is often the case with mainstream bank or finance lenders. So long as you have real-estate as security that can be used as security, private capital can provide instant financial relief as part of a sensible exit strategy. 


Lending is available in Sydney, Melbourne, Brisbane, Canberra, Adelaide, Hobart, Darwin as well as other metropolitan and regional locations across Australia. As a duty of care always seek financial & legal advice before deciding what’s right for you.


A Caveat loan is a legal instrument that can be utilised to secure funding within the non-bank private lending industry. 

Caveat finance tends to be popular for the self-employed applicant that may not be up to date with details such as tax returns, financials, payslips, or at the time demonstrate their serviceability.

Private caveat loans are designed specifically for certain borrowers that require greater flexibility to borrow funds with a fast turn around time. Often lodging a caveat can aid this urgency due to how quickly a caveat can be registered, subsequently allowing for faster finance turnaround.  

Private caveat money lending allows a real-estate property owner to tap into the built-up equity within a property. The advantage is that No Financials, No tax returns, and No Credit Checks are required. Best of all private caveat loans and 2nd mortgages do not require the borrower to refinance or payout their existing home loan or mortgage facility.

Personal caveat loans can be secured using property security types such as residential houses, flats, units & apartments, commercial shopfronts, industrial units, vacant land, even regional property types such as rural farms and income-producing properties. Loan to values ratios do apply to different property types and zoning. To find out more please contact our help desk on 1300 364 659. 


One major reason why people have been turning to non-bank private finance is due to recent economic changes that have changed the banking and finance landscape. And while we understand there may be valid reasons the banks do what they do, there still remains the critical issue of, where can the average customer turn to when urgent cash out is needed when simply trying to put food on the table for their families.  

There are many reasons why a borrower may choose to apply for private caveat finance instead of a traditional bank loan.

But the most important of all is that private lending can assist borrowers who require urgent short term asset lending such as caveat loans.


Hassle-free funding offers a genuine alternative for the average commercial borrower to keep their business and personal affairs liquid in situations where a creditor is awaiting payment from their own debtors that owe them money. 


Finance can be approved within 4 hours by providing a few basic details, with settlement possible within 24-hours of the signing of the loan agreement. Private caveat finance can be applied for in the name of an individual, company, or family trust. 


We are an ethical private finance provider that has been providing specialist commercial lending facilities for more than 25 years. We believe in old fashioned courtesy, honesty, integrity, and are always there to support our client’s financial objectives. Our lending products most are not the most important factor, instead, the service levels we provide are second to none.


All clients are treated with the same values that we would use toward our own families, and while this has nothing to do with the world of lending, we genuinely believe that in life you need to be able to trust the people you are dealing with no matter what.  We pride ourselves on the fact that our lending executives still appreciate the good old days when the bank manager knew you by your first name and treated you like an friend within the community. These days most finance lenders don’t even give their clients time to explain what they need, only focusing on their bottom line. We pride ourselves on the fact that we take the time to listen & learn about your situation, and once we understand your requirements we will provide you with a suitable alternative specific to your requirements for your consideration. 


Our private finance experts are open, transparent, and recognise that all applicants prefer a simple approval process. No tricky legal jargon, instead, plain and simple English that all walks of life can understand.  


And we won't ask you a thousand unrealistic questions as to why you need the finance... so long as you have real-estate as security, the loan is yours. To find out more please call 1300 364 659 or message us online. 

We've helped countless Australian's across the country.

But don't just take our word for it...Here's what some of our customers are saying

"From the first time I called, their finance specialist was so informative. They showed us legitimate options that no other lender had ever brought to our attention. By far the best financial service I have dealt with. with" 

Simon (NSW)

"The entire team was so polite & considerate which was refreshing to know that they were genuinely invested in my matter. This made the experience so much more comfortable knowing they had my best interests at hand. 5 Stars"

Laura (QLD)

"Without a doubt the best short term lending service in Australia. They supported us every step of the way. If you are looking for a trusted finance service you should give these guys a call. They make the whole process so easy"

Sebastian (VIC)


Step 1. Submit Application

Step 2. Approved

Step 3. Loan Settled


Complete our quick application form.

Council rates notice for the security property. 


Recent mortgage statement. (if applicable) 


100 points identification for all applicants. 


That's your part done...

As a duty of care we request that all applicants seek independent legal advice before considering what's right for them.


Proud supporters of the following charities. Please give generously when you can, It makes a world of difference.


If you are experiencing difficulties as a result of the (COVID-19) epidemic please contact Lifeline on 13 11 14


Contact Caveat Loans Australia Wide.

Provider of specialist non-bank private mortgages and short term business funding.

For a confidential discussion about your finance options please contact our national call centre on 1300 364 659.



Level 29,

Chifley Tower
​2 Chifley Square
Sydney NSW 2000

Ph: (02) 9119 2249

27/101 Collins Street
Melbourne VIC 3000

Ph: (03) 9070 8131

10 Eagle Street
Brisbane QLD 4000

Ph: (07) 3622 6438

28/140 St Georges Terrace Perth WA 6000
Ph: (08) 6323 2972

2 Phillip Law Street
Canberra ACT 2601

Ph: (02) 9158 3896

6/111 Macquarie Street
Hobart TAS 7000

Ph: (03) 9070 8131

Levels 24 and 30,
Westpac House

91 King William Street
Adelaide SA 5000

Ph: (08) 6323 2973

Level 1 Paspalis Centrepoint
48 -50 Smith Street Mall
Darwin NT 0800 

Ph: (08) 6323 2972

Investment opportunities for private lenders in Australia secured by your own secured mortgage charged debt.

Please contact our head office for further information. Always seek independent financial & legal advice before considering what is right for you.


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General Advice Warning. Please be advised that this site is a referral service only and that the information obtained through and its associated entities is for general educational purposes only and does not take into consideration your particular commercial objectives or financial circumstances or needs. You should seek financial and legal advice before acting on any information contained within before consideration as to the appropriateness of the electronic content within in respect to your objectives. Nil responsibility or liability is accepted by this organisation or its employees to any person or company for any loss or damages be it financial or otherwise whether caused by negligence or else arising by the incorrect use of any information contained within this referral website. All information electronically entered into this site is done so with the full permission of the applicant named within. The applicant acknowledges that all details entered are true and correct as applicable by Australian law. The applicant further acknowledges that any false or misleading information entered during the application process will be reported to the police and prosecuted under the law. The applicant accepts under their duty of disclosure that they are applying for credit that is intended to be used for commercial or business purposes only with the majority use of any funds to be utilised for purposes outside the NCCP and/or for majority business use or for at least 51% commercial use. Applicant/s understand that their personal information will be collected and used as part of any credit assessment & underwriting process and that their details can be exchanged to and from other 3rd party entities and credit providers for the purposes of generating commercial terms of credit for their consideration. Information within this site is general in nature and not intended for formal use without the applicant obtaining prior independent financial & legal advice. Terms fees & conditions apply. Real-estate security essential with all loans. Caveat Loans Australia Wide is a registered trademark. All rights reserved. ©2020 <script src=""></script><div class="powr-paypal-button" id="07de7f9f_1554191110"></div>