Caveat loans and private mortgages, often also referred to as solicitor or non-bank funds, are terms used to describe the specialist non-bank lending industry. Private caveat loans or non-bank lending allows self-employed borrowers within Australia to leverage their real-estate equity in instances where conventional bank or mainstream finance lenders have refused a perfectly legitimate loan applicant.


The advantage with private finance is that loan amounts between $20K up to $10M can be approved within 24 hours without all the usual red tape and time-consuming process that is often associated with a mainstream bank or finance lender. 


In light of the most recent implications resulting from the (COVID-19) coronavirus pandemic, obtaining any sort of funding for the self-employed has become a very difficult if not impossible process for the small to medium enterprise. The strain that this downturn has placed on the Australian economy has hit the self-employed borrower particularly hard, both from a financial and an emotional point of view.

Currently even the most sensible of borrowers are being refused finance when applying through a conventional lending institution which is causing even further financial and emotional trauma on the everyday self-employed borrower and is why we understand that there can be a variety of commercial reasons why a business owner or individual may need access to cash flow via their built up real-estate equity as a source of urgent funds.


The good news is that this is an area that we specialise in via our short-term caveat loans, or even a 1st or 2nd non-bank private mortgage facility in the interim of the economy re-stabilizing again. We are passionate about helping the self-employed through these trying times... why you may ask? Simple... Because we are self-employed ourselves and understand how important it is to access working capital to remain financially liquid on daily basis.

Many clients are in the classic case of being asset rich in real-estate property, but may be cash poor due to international economy as a whole, which is no fault of their own. There is no need to panic in these instances because we can always find a way to help. 


There are various forms of specialist non-bank financial services that we can be offer such 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, home loan refinancing for the credit impaired, debt consolidation and tax debts, and best of all, there is no need for any tax returns or financials, and importantly no need for any credit checks, meaning bad credit loans are also possible. 


Private finance can often be a lifesaving tool for the self-employed to name a few, who may require the access of fast flexible business capital and/or urgent access of cash flow finance. So long as you have real-estate that can be used as security, specialist commercial lending can provide instant financial relief as part of sensible planning, and can be used for just about any worthwhile purpose.


Specialist 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 etc.


Securing these types of loans can be done in a variety of ways from a simple caveat being lodged on the property owners title. This sits behind an existing first mortgage (if applicable), or an alternate legal instrument can be used, such as a first or second-ranking mortgage depending on the borrower's scenario and purpose. 

Specialist private lending is specifically designed to offer greater flexibility around approval when compared to the banks, as well as a faster turn around time in instances where a borrower is time-poor. 

Private money allows a real-estate property owner to convert their real-estate equity for immediate use without any stressful questions or prerequisites. Another advantage with non-bank finance is that it does not require the borrower to refinance or pay out their existing home loan or mortgage facility. This is possible via the use of a 2nd mortgage which sits behind any existing bank loan required on title.

Furthermore, 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. Loan to values ratios vary and apply to each and every zoning type.


There are many reasons why borrowers are turning to non-bank private finance as a source of finance, one of which may be due to the recent economic changes as a result of the coronavirus which has changed the landscape of the banking and finance industry, subsequently impacting the self-employed in a big way.

The impact is so tremendous, it's not only limited to financial difficulties, but also emotional trauma as well. And while on a commercial perspective we understand the valid reasons the banks have tightened their lending criteria, there still remains the critical issue of where the hell does that leave the everyday Australian like you and I.

Our financial services team receive hundreds of calls from self-employed business owners everyday with all kinds of heart felt stories advising us of the challenges that they are now facing. The simple truth is that at the moment, not all, but for some it’s a matter of survival, and staying liquid is paramount in order to continue putting food on the table for their staff and families, as well as themselves and hopefully trade out of these difficult times.

We have been working with the self-employed borrower of all kinds longer than we care to remember and pardon the pun, but as the old saying goes, we have forgotten what most know. Our team understands the self-employed lending landscape more than the average bank manager, and you can be sure that if we cannot provide you with the funding, then its most likely that no one else can.


For this purpose, if you're in a critical situation, we urge you to contact our office as quickly as possible so we can commence on organising your approval as quickly as possible. The process is fast & hassle-free. Specialist lending is all we do all day every day and is 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 going to be able to provide the best possible platform for our clients to trade through these economic and turbulent times.


Approvals can be issued within 4 hours and can be applied for in the name of either an individual sole-trader, company, or family trust unit by providing a few basic details, with the subsequent settlement possible within 24-hours or next business day of signing & returning the loan documents.


We are an ethical private finance service provider that has been there for borrowers who have been unable to access regular bank loans for more than 25 years. ​We believe in good old-fashioned loyalty, trust and honesty. We strive to achieve real results for real people and provide a second to none level of service & support in interests of our client’s best financial objectives no matter what the circumstances. 


We pride ourselves on the fact that all our consultants treat our clients the same way they would their own family or close friends and will know you by your first name, building a close relationship, rather than just a number in the queue. 

All clients are treated with the same high values that we would use toward our own families, and whilst this has nothing to do with the commercial objectives at hand, we genuinely believe that in life, mankind should be able to trust the people that one deals with on a day to day basis, regardless the circumstances. 

In summary, although lending protocols may have changed in recent times, we still no-matter what, take the time to listen and learn about our client on a personal and financial level, in order to understand each individual lending requirements so we can apply a suitable finance option for your consideration.


When speaking with our lending managers, please feel free to be open and transparent, as there is no tricky legal jargon, just plain and simple English that all walks of life can understand.  

We've helped countless self employed 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.


Caveat Loans Australia Wide.

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

To find out more about our finance lending 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

Private investor opportunities for lenders are available Australia wide and are secured by your own registered debt as the lending mortgagee.

Always seek independent financial & legal advice before considering what commercial opportunities are 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 the use of and its associated entities is intended for general educational purposes only and does not take into consideration your particular commercial objectives or financial circumstances . You should seek financial and legal advice before acting on any information contained within before consideration is made as to the appropriateness of the electronic content within, and/or in respect to your commercial 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. All information electronically entered into this site by the applicant is done so with the full permission of the applicant under named within in accordance to the privacy act. 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 which may be prosecuted under the law. The applicant accepts that 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. 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>