Short Term Caveat Loans

Get fast and simple short term caveat loans from Funding today. Other short term property loan options are also available online to suit your specific needs.

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Build a bridge with our funding solutions

Bridging Loans

Short term loan secured against your existing property as a financial bridge

  • Buying and selling your property
  • Urgent settlements
  • Cash out / equity release
  • Upsizing and downsizing
  • Personal loan

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Business Loans

Access capital for your business when you need it or purchase a business or property

  • Investment / business purposes
  • Share purchases
  • Business cash flow / debt consolidation
  • Companies / individual borrowers

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Building Loans

Flexible and fast building loans to complete an incomplete development or building

  • Development / construction finance
  • Renovations / incomplete construction
  • Land bank and residual stock
  • New builds / owner builders

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Short Term Caveat Loans

Short term caveat loans are a quick source of short term funding that you can borrow using the available equity in your property. Short term property loans are used for a variety of personal and business purposes, including purchasing a new property, renovating your existing property, paying off another mortgage, and a lot more. 

If you’re considering getting caveat loans or other short-term loan options, secure funding online instead of through a traditional lender for a faster, more streamlined application process. 

Unlike many traditional banks that are still stuck with lengthy, complicated processes, Funding uses state-of-the-art technology to make settlements for short term caveat loans possible in as little as 48 hours. Our innovative technology, combined with fast decision-making, enables us to deliver a smooth lending experience for you from start to finish. 

Whether you’re planning to use caveat loans for personal use or for business purposes, our discussion below might provide you with some insights. 


What is the difference between short term caveat loans and a mortgage?

Short term caveat loans are also known as a caveat mortgage or a second mortgage. If this is your first time getting a caveat loan, you likely have many other questions aside from ‘What is a caveat loan?’ and the difference between a caveat and a mortgage. It’s important to go for a lender who’s ready to address any queries and concerns you have regarding your loan application or any loan you may be interested in. 

Funding makes sure you get the right support you need to help you make the best decisions on our platform. Whether you’re considering short term caveat loans, short-term business loans, or renovation loans, our team will be happy to answer your loan-related questions. You may reach our team online or via phone call, so you don’t have to leave home to get answers to your questions. 

Because you know you can always talk to a real person at any point of your loan application at Funding, you can move forward confidently with your desired Funding loan. On top of that, we use bank-level security and encryption to safeguard your information and data. You can rest assured that your information will only be used for your loan application process and nothing else. 


Is it possible to refinance a house with a caveat?

It’s possible for a house lodged with a caveat to be refinanced, given that the caveat-lodging party (the ‘caveator’) consents to it. You can reduce your chances of going through the trouble of refinancing your property if you land a caveat deal that best fits your needs and loan scenario in the first place. 

At Funding, we will take the time to assess your unique situation and offer you a deal that is not only suitable for your needs but also reasonably priced. On our platform, you simply have to request an Express Quote and submit details of your loan scenario. 

You will receive same-day conditional approval along with an outline of your applicable rates and fees. If you got a bridge loan, for example, you would get personalised bridging finance rates, so you don’t have to use a random bridging loan calculator anymore. 

Our team will let you know the requirements you need to supply as we work on the formal approval of your loan application. You will receive settlement within days, not weeks, so you can proceed with however you want to use your short term caveat loans right away. 


When should I consider getting short term caveat loans?

Business owners looking to expand, rebrand, or innovate their company should consider getting short term caveat loans. If you need to purchase business equipment or access capital to start a new business, it’s a good idea to look into caveat loans as well. Meanwhile, homeowners should consider caveat loans when they need to move into a new house but the sale of their existing property has not been settled yet. Anyone who has sound equity in a real estate property can apply for a caveat loan. 

Funding accepts vacant land as well as residential and commercial properties as loan securities. If you hold equity over any of these properties – whether you’re an individual or a company – you are welcome to apply for short term caveat loans at Funding. Our loan-to-value ratio (LVRs) is typically 65% to 70% of the property value. You can borrow anywhere from $20,000 up to $10 million over a loan term of one to thirty-six months. 

To begin your loan application, submit the following information on our platform:

  • Basic personal information (name, email, phone number)
  • Loan details (purpose of the loan, loan principal, loan repayment terms)
  • Property information

If you have any relevant documents that will help get your loan approved, you can include them as well. Before clicking the submit button, review your loan application again, as errors could delay your approval.

If you have any questions regarding our loan products or application process, please contact us by email at or by phone at 1300 44 33 19.

Request your custom quote on the Funding platform today to get started on your loan application.

How to get started


Get started

Forget slow and frustrating banks. We put you in the fast lane. Get started now or call 1300 44 33 19.


Get approved

Same day approval. Yes, you read that right. Conditional approval provided the day you submit.


Formal approval

Conditional approval becomes formal approval once due diligence is completed and you sign your loan documents.



Not months. Not even weeks. Just days and in as little as 48 hours settlement can be arranged.

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Don’t take our word for it.

“Funding organised a bridging loan for my client in less than a week!! No other lender could have done this and you saved my clients deposit being lost. Great result.”

Scott Vine


“We approached Funding several months back as an alternative to our normal banks, and dealt with John from day one. From the start, the transparency was there, we knew pretty much at every point what was happening…..”



“Amazing Service! We were able to turn around a deal in 2 days so the client could settle on their dream home. Nathan worked tirelessly to get this across the line and make it a smooth experience for myself and my client. Highly Recommended.”

Sandy Kelso


“The team at Funding have been great to work with. The funds have been made available quickly and without fuss. We are about to start another project and will happily use Funding again”

Kerin Friswell


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