Our caveat loans are the only finance lending products of their kind that allow property owners to leverage their real-estate equity when urgent cash out is required.


Caveat lending allows borrowers to access amounts starting from $20k up to $5mil without all the usual red tape that is often associated with the time-consuming process of mainstream banks, and best of all, funding can be used for just about any worthwhile purpose.


We understand that there can be many instances where a business or an individual across Australia may need urgent fuss-free cash flow finance for a variety of productive, personal-commercial loan requirements.

Caveat loans provide a legitimate and viable source of capital & equity funding which can all be approved within a 4-hours once you have applied. 

Our finance managers will organise your finance approval over the phone by providing a few basic details, with the subsequent funding settled in as little as 24-hours and cash transferred into your nominated account for immediate use, a distinct advantage when time is of the essence.


No tax returns, No financials, No Credit Checks, No hassles… it’s that simple.

Private loans are able to support your situation. Trust deed investment lending provides a fast and effective cash flow alternative when your up against the clock and no other lender wants to help...


With the right advice from a financial and legal advisor, the use of private finance may offer the justified short term purpose as an alternative when the banks fail to assist with capital you need. Private mortgage lending offers borrowers alternatives such as lines of credit, bridging loans, home loans, or access to cash lending when mainstream lenders such as banks credit unions & building societies are making it difficult to qualify. 


So long as you have real-estate as security, private capital can provide you with instant financial relief as part of a legitimate & sensible exit strategy. Finance is available in Sydney, Melbourne, Brisbane, Canberra, Adelaide, Hobart, Darwin as well as other metropolitan and regional locations Australia wide. As a duty of care always seek financial & legal advice before deciding what’s right for you.


A Caveat loan is a type of security used within the specialised non-bank private lending industry which is commonly referred to as a “short term loan" or "caveat loans”. In layman’s terms; property caveat is a legal instrument that can be lodged over a real-estate property title as a form of collateral or security as a method that can be offered to secure the loan.

Caveats are a preferred option with as example for self-employed applicants that cannot provide documents such as tax returns, financials, payslips, or prove serviceability which is generally what mainstream finance lenders and banks require to qualify for a loan.

Private lending AKA Trust Deed Investment financing loans provide far greater flexibility when compared to the stressful red tape process when applying for finance with a mainstream lender.

Loan amounts between $25k up to $10m and can be approved within 24 hours without having to go through the stressful process required with bank loans. Private money can be helpful to a variety of applications when using property security types such as residential houses, high rise apartments, units or flats within major capital cities located on the eastern seaboard of Sydney, Melbourne, Brisbane, Canberra, Hobart, Adelaide, Perth, Darwin and many other towns across Australia.

Private caveat money loans are an easy option to access cash funding when using the built-up equity within a property. No financials, No tax returns, and No credit checks are required. Furthermore private money loans do not require the borrower to even refinance or payout their existing home loan.

The advantage with non-bank finance is these loans act as a totally separate facility which can be directly secured behind an existing mortgage. This saves the borrower time and the hassles refinancing their mortgage.

Your decision to use a private money loan will depend on the urgency of your individual circumstances. In the instance where the matter is not critically urgent, an alternative option is to apply for a 1st or 2nd mortgage for all types of business loan and cash-out requirements. 

Private loans loan amounts start from $25k up to $10mil and is a fairly straight forward process. All we need to provide an indicative approval is 100 points identification, as well as the council rates notice for the security property's being used as collateral. Finance can be approved the same day and settled within 24-hours upon signing of the loan documents to approved customers... this is in contrast to the painful & lengthy waiting time a regular bank can take, with many borrowers reporting anywhere from weeks to even months.

Personal caveat loans can be secured using securities types such as residential properties, farms, regional houses in rural locations, vacant land in metropolitan locations, as well as commercial shopfronts, industrial factories, and a variety of special security types across Australia. 


There are many reasons why borrowers are choosing private finance such as caveat loans and private business mortgages over traditional bank loans. In recent times private lending has become an extremely popular short term lending advantage for many Australian’s due to the ease in how simple and fast private lenders-loans can be approved.


There is no stressful credit approval process, as can often be associated with major banks. With private caveat loans, finance can be approved over the phone within 4 hours and can proceed to settlement within 24 hours if required.


Private funding offers quick easy finance approval for borrowers that may temporarily not fit within the rigorous lending criteria of traditional banks. Loan amounts start from $25k up to $10 million and can be used for just about any worthwhile purpose.


Private funding does not require any credit checks, financial documents such as tax returns, pay slips, bank statements, or any other tricky documentation. So long you have real-estate to use as security, we will find a way to assist your financial requirements.


We are an ethical private funding consortium that has been providing hard to approve specialist commercial lending facilities for more than 25 years. We do not offer credit cards, personal loans, car loans, or any other gimmick finance. All we do is private non-bank finance, which means we understand all types of financial circumstances people need assistance with better than anyone.   

We believe in courtesy, honesty, integrity, and always support our client’s fiscal objectives. We provide the most up to date current financial products & services on the market, but with a twist of old fashioned loyalty along with a high level of customer service levels & loyalty. We treat all our clients with the same values we would use with our own families. While this has nothing to do with direct lending, we genuinely believe that in life you need to be able to unconditionally trust the people you deal with on a daily basis.  


Our finance specialists are open, transparent, always acting in the best interests of our valued applicants.

We recognise that all self-employed applicants prefer a simple, fast & fuss-free easy finance approval process. We won't use any tricky legal jargon when explaining how the loans work that may confuse our clients... instead, we explain any information about how the loans work in plain & simple English that any potential borrower can understand.  


We pride ourselves on the fact that we can still appreciate and remember the good old days when the bank manager treated you like a friend within the community, not just a number. These days most lenders such as the banks, building societies & credit unions and other finance companies don’t even give their clients the time of day to explain themselves, focusing purely on their bottom line, which is such a shame.


The good news is that old fashioned service is still available when dealing with our professional finance & banking specialists.

We take the time to listen, learn about your needs, then once we understand your funding requirements, discuss the best way forward in order to structure a tailored lending solution specific to your requirements. 


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 advisor's knowledge was so informative, unlike anyone I'd previously spoken with. Their advisors showed me legitimate financial alternatives that I never even knew I was entitled to take advantage of. I would go as far as suggesting that their business advisors are at a totally different level compared to anyone I have previously dealt with" 

Simon (NSW)

"My loan was approved so fast without any fuss. The entire team was so polite to deal with. The refreshing part was that the consultant I dealt with was genuinely invested in my matter. This made the experience so much more comfortable knowing they had my best financial interests at hand. It is assuring to know that there are still genuine people out there that care. 5 Stars"

Laura (QLD)

"Without a doubt the best SME finance company I have dealt with. Throughout the approval process, they supported us every step of the way. If you are looking for a trustworthy short term finance provider, you should speak with them first. They provided us with the cash-out we needed as well as fantastic friendly service during the entire process"

Sebastian (VIC)


Step 1. Talk To Us

Step 2. Submit Application

Step 3. Approved

Funding is settled & transferred into your nominated bank account within 24 hours of the signing of the loan documents.


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 what finance options are available please contact our national call centre.



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 investors are available in Australia via secured mortgage charged debt. Please contact our head office for further information. Always seek independent financial & legal advice before considering what’s 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>