Family Moments

Common Sense Lending Without The Red Tape

What Types of Loans Do You Offer?

  Private Mortgages
  Short Term Loans
  Caveat Loans
  Business Loans
  Overdrafts
  Bridging Loans

  Self Employed Loans
  Debt Consolidation
  Home Loan Refinancing
  Lines Of Credit
  Bad Credit Loans
  Construction Loans

Happy Couple By The Sea

Private Caveat Loans Explained

A Caveat Loan is finance offered by a private organisation under the specialist non-bank finance lending industry. 

 

Private mortgage lenders offering Caveat Loans allow the self-employed Australian borrower to leverage their real estate equity in circumstances where conventional banks or mainstream finance lenders decline to provide finance and credit facilities.

 

We understand the restraints when dealing with general banks, and are passionate about helping the self-employed overcome the difficult process with mainstream lending institutions. Our specialist staff are experts in assisting with short to long-term private Caveat Loans. 

 

Often, we see the classic case where our clients are asset-rich in real estate property but cash poor. When cash flow is required, the good news is there are many viable finance alternatives and lending solutions that help you untie cash from your real estate assets.

 

We’re here to help you access your real estate equity simply, quickly and securely.

What Is A Caveat Loan Or Private Mortgage?

Specialist Private Lending is specifically designed to offer greater flexibility around approval compared to the banks, and a faster turnaround time in instances where a borrower is time-poor. 

 

Private Lending simply refers to where the source of funding comes from. With conventional mortgage lending, funds often come from a major bank, whereas non-bank lending comes from sophisticated private investors or an investment firm such as a superannuation fund.

 

A Private Loan is secured quickly and simply by the private lender registering a caveat on the property owner’s title. The caveat is a legal instrument that sits behind an existing first mortgage (if applicable) and doesn’t require permission from the institution that holds a mortgage over the property. An alternate legal instrument can be used, such as a first or second-ranking mortgage. The legal instrument depends on the borrower's scenario and purpose. 

Private Finance allows real estate property owners the ability to convert their equity for immediate use without any stressful questions or prerequisites from a bank. The borrower is not required to refinance or pay out their existing home loan or mortgage facility so the process is very efficient.

Happy Family
Happy Plumbers

How Can Private Caveat Finance Help Me?

There are many reasons why borrowers turn to non-bank private finance as a source of funds. One of the standout reasons is the ever-changing landscape of the banking and finance industry — which subsequently impacts the self-employed in a big way.

From a commercial perspective, there are valid reasons why the banks have tightened their lending criteria. However, this red tape leaves everyday Australians and small businesses between a rock and a hard place. 

 

We’re here to support the backbone of our economy; Australian businesses. 

Our financial services team receive hundreds of calls from self-employed business owners every day with all kinds of heartfelt stories advising us of the challenges they are now facing. The simple truth is, for many, it’s a matter of survival — staying liquid is paramount to continue putting food on the table for their staff and families while trying to trade out of these difficult times. And that’s where we fit in!

Why Choose Us?

No Credit Checks

We don’t require a credit check to offer you a loan. So if you have bad credit, don’t stress, we can still help.

Loans From $25K - $10M

Whether you need a little or a lot, we can offer finance amounts up to $10 million for a wide range of personal or business purposes. 

Fast Turnaround

Because we’re not subjected to the red tape of traditional lenders, your loan can be approved in as little as four hours.

Why Do Borrowers Use Caveat Loans Australia?

We are an ethical private finance service provider that has been helping borrowers for 25 years who have been unable to access regular bank loans. 

 

​With a strong belief in good old-fashioned loyalty, trust and honesty, we strive to achieve real results for real people. We provide a second-to-none level of service & support in the interests of our client’s best financial objectives — no matter what the circumstances. 

 

Our consultants treat each client the same way they would their own family or close friends. Building a close relationship allows for an unmatched customer experience and solid partnership for the future of your business — we believe that regardless of commercial objectives, people should be able to trust those they deal with on a day to day basis. 

We commit to each of our clients and take the time to listen and learn about them on a personal and financial level. By taking the time to understand each individual’s lending requirement, we can tailor a suitable finance solution for your consideration.

Happy Baby
Dancing Couple

How To Know If A Private Caveat Loan Can Help Me?

Every individual’s reason for seeking a Private Loan can be quite unique, so it is important to speak with one of our lending consultants, who will provide general advice by identifying potential opportunities for your consideration.

As a general consensus, identifying the most appropriate finance product will depend on many factors, such as the purpose of the loan, how much equity is built up in the security property value, as well as the council zoning of the security property being considered for purchase or refinancing.

 

We have successfully funded many clients that required simple, fast, and no-nonsense finance assistance in many instances where mainstream banks were unable to assist.

Here are some instances where private lending may offer financial relief:

  • Purchase a house.

  • Construction finance.

  • Property development.

  • Refinance existing mortgage.

  • Release equity within property.

  • Payout overdue ATO tax debts.

  • Obtain revolving business overdraft line of credit.

  • Acquisition or purchase of real estate land or investment property .

  • Raise capital for the start up or expansion of new or existing business, rather than an IPO.

Other Advantages of Private Non-bank Loans

  • Low Doc finance where financials & tax records are not available.

  • Applicants with bad credit ratings are able to obtain finance without discrimination.

  • Private funding offers the fastest access to capital from $50k all the way to $10 million. 

  • Business and personal loans can be approved within 24-hours when using real estate security.

  • If you're able to provide us with a current letter of offer from a comparable finance lender, we will beat the interest rate & fees to prove that our rates are the cheapest on the market. That's our promise.

Happy old Asian couple gardening

With banks in recent times taking such a tough stance with all forms of residential and commercial finance & mortgage lending, obtaining a private Caveat Loan as a financial service can be very beneficial if done so in a sensible manner.

​We remind anyone considering a private Business Loan to always seek independent financial or legal advice before considering what’s right for them. Our contact centre will go through a series of basic questions to understand your circumstances and help you make an informed decision.

Frequently Asked Questions

How are private loans structured?

Our firm offers many forms of specialist non-bank private financial services that can be either structured as lines of credit, bridging loans, home loans, private mortgages, equity access facilities, urgent cash-out or redraw facilities, overdrafts, commercial mortgages, development & construction finance, mezzanine finance, short term loans, mortgage refinancing, or debt consolidation. And best of all, there is no need for any tax returns, financials or credit checks.

​​

Private finance, if structured correctly, can often be a lifesaving strategy for Australians who may require access to flexible business capital and cash flow finance. So long as you have real estate that can be used as security, there are a vast array of commercial lending options that can provide immediate financial relief.

What is a Caveat Loan?

Private Mortgages, Solicitor Loans, Short Term Caveat Loans or Solicitor Funds are all terms used interchangeably with Caveat Loans. Caveat Loans are provided by private lenders who aren’t bound by the harsh credit criteria that traditional lenders are subject to. 

What real estate can I use as security for a Caveat Loan?

Non-bank finance is far more flexible in terms of what can be used as real estate security in comparison to a bank. Security types such as residential houses, flats, units & apartments are acceptable, along with commercial dwellings such as shopfronts, industrial units, service stations, rural farms, vacant land, and income-producing properties.

Is it hard to get a short term Caveat Loan if I’m self-employed?

Caveat Loans are made for the self-employed! Our team understands the self-employed lending landscape more than the average bank manager, so you can be sure that if we cannot provide you with funding, then it’s most likely that no one else can. 

 

If you're in a critical situation, we urge you to contact our office to apply for a caveat loan as quickly as possible so we can work on organising your approval for the caveat loan application. The process is fast & hassle-free. Specialist lending has been at the core of who we are for the last 25 years. We understand that by keeping businesses commercially liquid during times of distress, we are able to provide the best possible platform for our clients to trade through these economic and turbulent times.

How soon can I get a fast caveat loan?

Approvals for fast caveat loans in Australia can be issued within four hours and can be applied for in the name of either a sole-trader, company, or family trust unit by providing a few basic details, with the subsequent settlement possible within 24-hours. Caveat Loans settle faster than traditional types of loans.​

Happy Family

Charities We Proudly Support

Please give generously when you can, it makes a world of difference.

CC_Logo_2x.png
logo.png
Asset 2.png
Asset 1.png

Get An Express Quote

If you’d like to see how we can help you, simply enter your details below, where one of our consultants will get back to you with an express quote.

arrow&v
arrow&v

Personal Information

Thank you for your application. We will be in contact soon.

 

Talk to us today

CALL 

1300 364 659