Loans
Caveat loans
A caveat loan lets your company or trust raise capital quickly against property you already own, by lodging a caveat on the title behind your existing mortgage. It's the fastest way to release equity for a short, dated need — often funded in 24–48 hours, without full financials.
Indicative only — subject to assessment. Placeholder figures.
How a caveat loan works
A caveat is a legal notice lodged on your property’s title. It signals an interest in the property and prevents it being sold or further encumbered until it’s removed. Lienhouse uses that caveat as the security for a short-term advance, so your company or trust can raise capital against equity you already hold — without refinancing and without disturbing your first mortgage. Because lodging a caveat is lighter than registering a second mortgage, the funding moves fast: often 24–48 hours from agreed terms to money in the account.
What it’s typically used for
Caveat loans suit a dated problem with a defined end. The common ones we see: paying out an ATO or tax debt before enforcement moves, bridging a settlement gap, covering payroll or an urgent supplier bill, funding a deal that closes this week, or clearing a maturing private loan while a longer-term facility is finalised. The thread through all of them is speed plus a clear exit — a sale, a refinance or incoming funds that repays the loan inside the term.
What we’ll need
Less than a bank asks for. The essentials are the property and its existing debt (so we can size the available equity), the amount and purpose, and — most importantly — the exit: how and when the loan gets repaid. A caveat loan is priced for a short term, so the exit is what keeps the cost contained. We confirm the security position and indicative terms upfront, in writing, before anything is lodged.
Indicative pricing starts from around 1.50% per month on terms of one to six months, with borrowing up to roughly 75% of value once existing debt is counted. These are representative of the current Australian market and subject to assessment of your security and exit — not a fixed rate card.
- Companies or trusts with equity in property and a short, dated need
- Borrowers who need cash in days, not weeks, for a business purpose
- Anyone with a clear exit — a sale, a refinance or incoming funds
- Owner-occupier consumer borrowers (business-purpose only)
- Ongoing or open-ended cash-flow gaps with no defined exit
- Borrowers with little equity once existing debt is counted
How it compares
FAQ
How fast can a caveat loan settle?
Often within 24–48 hours once we have the security details and a clear exit. Speed is the main reason this structure exists.
Do I need my first lender's consent?
Usually not. A caveat is lodged on the title and generally doesn't require the consent of your existing mortgage holder
Will it disturb my existing home loan or mortgage?
No. The caveat sits behind your current facility and leaves it untouched — you keep your existing rate and term.
Do I need to provide full financials?
Generally no. A caveat loan is assessed on the property and the exit rather than full tax returns or income documents
Is a caveat loan business or consumer lending?
Business-purpose only. Lienhouse funds companies and trusts for a business purpose — this is not consumer credit.
Raise capital against your property.
The amount, the asset and the timeframe. We'll review and come back to you fast.
You deal with us start to finish.
Enquire
Send an enquiry
Takes two minutes.