Caveat loans · Gold Coast
Caveat loans on the Gold Coast.
Aurelius Private are Gold Coast private lending brokers. A caveat loan is about one thing, speed, and we arrange them by placing the deal with a private lender who can fund in a day or two. We are the broker, not the lender.
Being local helps, though in truth a caveat moves fast wherever the property sits.
Settlement
24–72 hrs
Term
1–6 months
Security
Caveat
1st mortgage
Untouched
Indicative only. As brokers we place your deal with the right private lender; final terms are set by that lender.
When a Gold Coast deal cannot wait
Some funding needs run on a clock the banks cannot keep up with. A settlement shortfall on a Friday afternoon. A tax bill that has to clear before the ATO acts. A supplier who needs paying today to hold a contract. A deposit due before a competitor moves. For property owners and business operators on the Gold Coast these come up constantly, and a bank's process is measured in weeks.
A caveat loan is built for that. It secures a short advance against the equity in a property by lodging a caveat, which is quick to register, so funds can land in a day or two instead of the weeks a full mortgage takes. It is a bridge over one specific, time-critical gap, not a loan you keep for years.
Fast funds against your equity
With a caveat loan the lender lodges a caveat over your property rather than registering a full mortgage. There is less to document and register, and that is where the speed comes from, so a clean deal can settle in a day or two. It suits urgent, short-duration needs with a clear near-term exit.
Terms run short, from a few weeks to a few months, and the rate is higher than a registered mortgage because the security is lighter and speed is the whole value. For a larger sum or a longer runway, a second or first mortgage is the better structure, and we will say so rather than sell you the wrong tool.
Where we work
We can arrange a caveat loan against Gold Coast property anywhere in the city and the hinterland, usually within a day or two of seeing the file.
“A caveat loan is the fastest thing we arrange, and it lives or dies on the exit. If there's clear equity and a real repayment in sight, a private lender can have funds to you in a day or two. Tell me the deadline and what clears it, and I'll say straight whether a caveat is the right tool or the wrong one.”
Founder and Managing Director, Aurelius Private
Common questions
How fast can a caveat loan settle on the Gold Coast?
What can I use a caveat loan for?
Do I need to own the property outright?
Need funds in a hurry?
Tell us the property, the amount and the exit. We will tell you the same day whether a caveat loan can be placed and how fast.