Short-Term Property Loans in Australia
Fast, property-secured funding, no credit checks or income assessment.
- Loan amounts from $50,000 to $500,000+
- Loan terms from 2 to 24 months
- Funds typically available within 3–5 business days
- Secured against Australian real estate
- No credit check and no income assessment
- No financial statements or tax returns required
- Available Australia-wide
What is a Short-Term Property Loan?
A short-term property loan is a fixed-term loan secured against real estate, designed to give you fast access to funds without locking you into a long-term mortgage. Loan terms typically run from 2 to 24 months.
Unlike a standard home loan, a short-term mortgage is assessed based on the equity in your property and your exit strategy, rather than your income or credit history. The exit strategy is how you plan to repay. For consumer loans with Mango Mortgages, this must be the sale of the security property, and for business loans with Mango Credit, exits can include refinancing or business cash flow.
Short-term property loans in Australia work best when you have a clear purpose, a defined timeline, and real estate with available equity to secure the loan against.
Types of Short-Term Property Loans
Depending on your situation, short-term property funding can be structured in several ways. Mango Credit and Mango Mortgages offer the following:
Bridging Loans
Used to cover the gap between buying a new property and receiving the proceeds from selling your existing one. Bridging loans are one of the most common uses of short-term property finance.
Short-Term First Mortgage
If your property has no existing mortgage, a short-term first mortgage gives Mango Credit or Mango Mortgages first-registered security over the property. This typically allows for the highest LVR, up to 80% for consumer loans on metro properties (Mango Mortgages), or up to 70% for business loans (Mango Credit).
Second Mortgage
Already have a home loan? A second mortgage sits behind your existing loan and lets you access equity without refinancing. Mango Credit and Mango Mortgages do not require consent from your first mortgagee before lodging and advancing.
Caveat Loan
A caveat loan is lodged on your property title as security. Used in specific circumstances where a second mortgage isn't immediately available, for example, where the first mortgagee's consent is required. Faster to register in those circumstances than a formal mortgage.
Home Equity Loan
Access the equity built up in your property for personal or business purposes with a home equity loan, structured as a first or second mortgage, depending on your property position.
Common Uses for Short-Term Property Finance and Funding
A short-term property loan in Australia can be used across a wide range of personal and business scenarios:
- Bridging between a property sale and purchase: Covering the timing gap so you don't have to rush a sale or miss an opportunity
- Pre-sale renovations: Borrowing against your property's equity to fund improvements before listing, repaid from the sale proceeds
- Business working capital: Using equity in real estate to access short-term funds for operational needs, tax debt, or time-sensitive opportunities
- Settlement shortfalls: Topping up funds to complete a purchase when you're close but need a short-term top-up
- Refinancing while longer-term finance is arranged: Bridging the gap while a bank loan or development finance is being processed
- Investment property purchases: Using equity in one property to fund activity on another
- Downsizing or relocating: Securing your next property before your existing one sells
For both personal and business borrowers, the key requirements for eligibility for short-term property finance are owning Australian real estate with sufficient equity and having a realistic, clearly defined plan to repay.
Why Choose Mango for Short-Term Property Finance?
Mango Credit and Mango Mortgages have been providing short-term property loans to Australians since 2001. Here's what makes working with us different:
- No credit check, no income assessment. We don't access your credit file, and we don't ask for tax returns, financial statements, or payslips. Your loan is assessed on the equity in your property and your exit strategy, nothing else.
- Transparent interest rates and costs. Rates, fees, and any additional charges are laid out clearly before you commit.
- Fast turnaround with indicative approval typically within 24 hours. Funds within 3–5 business days. We don't promise instant approval, but we move as fast as the process allows.
- Minimal documentation. A current council rates notice and your most recent mortgage statement are typically all we need to assess your application.
- Flexible underwriting, where we look at each application on its own merits. If your situation is complex or doesn't fit a standard box, we'll work with you to understand the full picture.
- Direct access to decision-makers. You speak with the people assessing your loan, not a call centre or a rotating cast of departments.
Mango Mortgages holds an Australian Credit Licence 422165 and is a member of the Australian Financial Complaints Authority (AFCA) for consumer lending.
How to Apply for a Short-Term Property Loan Online
We've made the process fast and painless. Here's how to apply for your short-term property loan online:
- Use our quick form or give us a call.
- Get a quote. We'll send you a breakdown with rates, loan structure, and required documents.
- Review the terms, and if you're happy, we'll prepare a formal offer.
- After your documents are signed and verified, funds are sent.
Need funds even faster or have less equity available? You might also want to explore our caveat loans, another fast and flexible short-term funding solution.
Get Started with Our Short-Term Property Finance Solutions
Whether you're bridging the gap between properties or seizing a new investment, Mango Credit has you covered with flexible and reliable short-term property funding solutions.
Apply online today or get in touch to explore your options. We'll help you find a short-term solution that works for you – no stress, no surprises, and without locking you into something long-term.
Short-Term Property Loans FAQs
What is the shortest term for a loan?
Our short-term property loans start from as little as one month, depending on your needs and exit strategy. We can tailor your plan to a timeframe that works for you.
What is a good rate for a short-term loan?
Rates vary based on the loan amount, property type, LVR, and loan term. Unlike unsecured options, short-term mortgages secured against real estate typically offer better value. Speak to the Mango Credit team for a custom quote based on your situation.
Are short-term property loans available for both personal and business purposes in Australia?
Yes. Our short-term property finance can be used for personal goals like renovations or debt consolidation, or business needs like working capital or investment opportunities.
What documentation is typically required for a short-term property loan online application?
It’s simpler than you might think. We assess your loan on the equity available in your property and your exit strategy, not your income or credit history.
To apply for short-term property loans online, we generally need:
- Proof of identity
- Your most recent mortgage statement
- A current council rates notice
- Details about your property and your repayment plan
From there, we’ll guide you through the rest – no unnecessary forms or delays.
Yanis founded Mango Credit in 2001 and personally assesses and structures every loan. With over 20 years in Australian private lending, he writes on bridging loans, caveat loans, and short-term property finance.