Fast Caveat Loans

HOW A CAVEAT LOAN CAN HELP YOU OVERCOME A SHORT-TERM CASH FLOW CRUNCH

Let’s look at short-term caveat loans: what they are, their benefits and common uses.

What is a Caveat Loan?

A caveat loan is a short-term funding solution secured against real estate. It works by placing a legal caveat on your property title, preventing it from being sold or refinanced without first repaying the loan or getting permission from the caveat lenders.

Unlike traditional mortgage loans, a caveat can be lodged on title immediately without needing bank consent or registration of a second mortgage. That means faster approval, fewer roadblocks, and rapid access to funds.

Caveat loans are sometimes referred to as an “equitable mortgage” or “unregistered second mortgage.” Whatever the label, the outcome is the same: access to capital without the slow process.

What Are Urgent Caveat Loans Used For?

Caveat loans for personal use or business needs are common when you’re pressed for time. Here’s how clients across Australia use them:

• When settlement dates don’t line up between your property sale and purchase, short-term caveat loans help bridge that gap. Secure your new property or opportunity while waiting for sale proceeds.
• Fund pre-sale renovations and staging to boost your property value. The caveat on the property is usually released once the property is developed and sold.
• Keep your business running when cash flow is tight, with funds to pay large tax bills, inject working capital to maintain operations and offset invoice lags, or purchase stock or equipment to fulfil a new order or bulk discount opportunity.
• Finance short-term residential builds, small subdivisions, or property development costs without lengthy processes.
• Cover invoice lags or large, one-off expenses, such as contractor or time-sensitive payments, with flexible caveat loans.

Caveat Loans in Australia: Why Us?

Fast, fair, and backed by property with no hit to your credit file, here’s what makes our short-term caveat loans different:

• Funding in Days: Get approved for a caveat loan within 24 hours, with funding typically available within 3 to 5 business days.
• No Credit Checks: Your real estate speaks for itself. We don’t assess your credit score, and there’s no hit to your credit file.
• Minimal Documentation: All we need is your most recent mortgage statement and council rates notice to consider your application.
• Caveat Loans with No Valuation: We’ll only order a formal valuation if necessary, saving you time and speeding up the entire process.
• Flexible Terms: We offer negotiable loan terms, from as little as one month up to two years.
• Competitive Interest Rates: Make the most of our competitive caveat loan interest rates, clearly outlined from the start.

Applying for Caveat Loans Online

Easily enquire or apply for a caveat loan online.

1. We’ll send you an offer outlining interest rates, costs, loan structure, and required documents.
2. You return the signed offer to us, along with any required documents.
3. Our solicitors will issue security documents.
4. Once the security documents are executed and certified, the funds will be transferred to you electronically, generally within 3 to 5 business days from initial application.

Looking into different loan options? The Mango Credit team can guide you through the best fit, including short-term second mortgage or short-term home equity loans.

Australia’s Trusted Caveat Lenders, Get in Touch Today

Managing a tight settlement timeline, funding urgent renovations, or smoothing out business cash flow? Mango Credit’s short-term caveat loans are here to help you take the next step – without the red tape.

We keep it simple: fast approvals, flexible terms, no credit checks, and real people who understand your situation. Apply online in minutes or contact our team.