Caveat loans

The fastest way to borrow against property.

A caveat loan is short-term money secured by a caveat on your title. It settles fast, often 24 to 72 hours, because it does not need your first lender's consent.

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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 the money has to be there this week.

A caveat is a legal notice lodged on a property title. Once it is on, the owner cannot sell or refinance until it is removed. A caveat loan uses that notice as security instead of a registered mortgage. Because it does not need the first mortgagee to sign off, a lender can put it in place in a day or two rather than weeks.

Speed is the whole point, and you pay for it. Lenders on our panel price caveat loans per month, typically from around 1.5% a month, because the security is weaker than a mortgage and the term is short. They are built for weeks or months, not years. You need a clear exit before you start: an incoming payment, a sale, or a refinance already lined up.

We arrange caveat funding for commercial-purpose needs: a tax bill, a short cash flow gap, a deposit due on a deal you cannot afford to lose. Once your exit lands, the caveat is removed and the loan is repaid.

What it looks like

  • Secured by a caveat, no first mortgagee consent required
  • Settlement in as little as 24 to 72 hours
  • Your existing first mortgage is left untouched
  • Short term by design, 1 to 6 months
  • Interest can be prepaid or added to the loan
  • Light documentation compared with a bank facility

Who this is for.

Urgent capital

A payment is due this week and the timing is tight. A caveat loan can settle in 24 to 72 hours, then repays as soon as your funds arrive.

Tax debt

Clear an ATO debt before enforcement escalates. The caveat buys you the room to sort it out without dumping an asset at a bad price.

Short cash flow gap

Bridge a few weeks while you wait on a receivable, a settlement, or another loan that is close but not there yet.

Recently settled deals.

All settled deals→
“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.”
Rory McGrath
Rory McGrath

Founder and Managing Director, Aurelius Private

Common questions.

A short-term loan secured by a caveat lodged on your property title. The caveat is a legal notice that stops the owner selling or refinancing the property until it is removed. That is what gives the lender its security in place of a mortgage.
Often 24 to 72 hours from the point the lender has your documents and a clear exit. Skipping the first mortgagee consent step is the main reason it moves this quickly.
No. Unlike a second mortgage, a caveat does not require your existing lender to agree. That is the trade-off that makes it fast, and part of why it costs more.
A caveat is weaker security than a registered mortgage and the term is short, so lenders on our panel typically quote pricing per month, from around 1.5%. It is cost-effective over a few weeks with a firm exit. Over a long period it is the wrong tool.
A caveat is a notice on the title. A second mortgage is a registered security interest that ranks behind your first mortgage. The second mortgage is stronger security, so it is usually cheaper and can run longer, but it needs the first lender's consent and takes longer to put in place.
A property sale, a refinance, an incoming payment, or a pending settlement. If you need longer than a few months, a first mortgage or bridging finance is the better structure.

Caveat loans near you

We are based on the Gold Coast and place caveat loans for clients right across South East Queensland. Explore by area:

Caveat loans on the Gold Coast→Caveat loans in Brisbane→

Tell us about your deal.

Send through the scenario. You’ll hear back the same day with who would fund it and roughly what it costs. If it doesn’t stack up as it stands, we’ll say so and tell you what would need to change.

Submit a scenarioCall 1300 076 410