The mechanics
How caveat loans work
What gets lodged on title, how the equity is measured, what it costs in dollars and how the loan ends.
What is a caveat loan?
A caveat loan lets a business borrow against property equity quickly by lodging a caveat on title instead of a registered mortgage. Here's the full mechanism.
Read more →What a caveat on title does
What a caveat on a property title is, what it stops, who can lodge one and how it's removed — explained from the land registry side for business borrowers.
Read more →Caveat vs second mortgage
Caveat loan or second mortgage? Compare how each sits on title, how long it runs, what it costs to set up and which suits your deadline and exit.
Read more →Caveat loan alternatives
A caveat isn't always the right tool. Compare first mortgages, second mortgages, guarantor property, business-asset security and unsecured cash-flow loans.
Read more →Caveat loan costs
Every cost on a caveat loan quote explained — establishment, valuation, legal, registry, interest and exit costs — and how to add them up in dollars.
Read more →How much can you borrow?
How caveat lenders measure equity and combined LVR, worked examples in dollars, and the factors that push your borrowing limit up or down.
Read more →Exit strategies
The exit decides whether a caveat loan works. Compare sale, refinance, receivable and cash-flow exits, the evidence lenders want and how to add a buffer.
Read more →Property equity and a deadline? Let's check the numbers
One short enquiry about the property, the amount and your exit. No credit check to ask, no lender list, and a real person who calls you with the structure that fits.
No credit check to enquire
Not sprayed to a lender list
A real person on your file