Short Term Financing Solutions

Short-term caveat loans are a way to quickly access funding.

To take out a caveat loan, you must own property. A caveat operates like a form of ‘injunction,’ which means the loan is lodged on title behind your existing mortgage (no consent is required from your bank to do so). This also means the borrower is prevented by a ‘caveat’ from settling the sale of the property without the permission of the caveat loan provider. Once the loan is settled, the caveat is removed from your property.

A short-term caveat loan is commonly used to manage the cash flow between the sale and purchase of a property. In addition, caveat loans can be used for renovations, development projects, construction or business working capital.

Our short-term caveat loans are flexible, require minimal documentation and are usually approved within days. We also accept applications from individuals and borrowers with affected credit history. And you can quickly and easily apply online.

Most first homeowners will require a mortgage to secure their new home. Historically, first mortgages have been provided by big banks for a long term (often 15 years up to 30 years). Though longer-term loans don’t always suit everyone’s circumstances – particularly for borrowers who may only need access to funds for a shorter period of time, or if they don’t meet a bank’s lending criteria.

The good news is that there are a number of alternative and private lenders in Australia who provide short-term first mortgages, which typically have a duration of 2 to 36 months.

Also, keep in mind that while generally, first mortgages are used for property purchases, they can also be used for home renovations, paying bills, funding business ventures or to cover construction costs for real estate development.

Our short-term first mortgage loans are flexible, require minimal documentation and are usually approved within days. We also accept applications from individuals and borrowers with affected credit history. And you can quickly and easily apply online.

A short-term second mortgage may be worth considering if you have solid equity in your home, an inability to extend or refinance your primary mortgage loan, and quickly need access to significant funds.

A short-term second mortgage loan can be used for personal or business purposes. Common business requirements include boosting working capital, acquiring equipment or stock,or even purchasing a business. Typical short-term second mortgage loan uses include consolidating debts (such as personal loans and credit cards), paying a one-off large bill or undertaking renovations on your home.

Our short-term second mortgage loans are flexible, require minimal documentation and are usually approved within days. We also accept applications from individuals and borrowers with affected credit history. And you can quickly and easily apply online.

Whether you still have an existing mortgage or you own your home outright, you can obtain a short-term home equity loan. This loan type can be used for many different purposes, including property renovation, purchasing an investment property, paying a large bill or debt consolidation.

Generally speaking, the more equity you have in your home, the more you will be able to borrow through a home equity loan.

Our short-term first mortgage loans are flexible, require minimal documentation and are usually approved within days. We also accept applications from individuals and borrowers with affected credit history. And you can quickly and easily apply online.