When you’re navigating a separation, the paperwork and emotions are only part of the job. The real pressure often shows up in the timeline: refinance deadlines, a buyout that must happen before a transfer can proceed, or an urgent settlement that can’t wait for a traditional bank process. Contact us today if you need fast, practical lending support during a divorce property settlement.
What a Caveat Loan Is and Why It’s Used in Separation
A caveat loan is a short-term, property-secured loan where a caveat is lodged on title as security. In plain terms, it’s a way to access funds using your residential or commercial property, without waiting for a lengthy bank approval cycle.
During separation, that speed can matter because property decisions often have hard deadlines. Your solicitor may be working toward a settlement date, consent orders, a refinance window, or an agreement that requires one party to pay out the other. The issue is that your cash is frequently tied up in property equity, not sitting in an offset account.
Brief Benefits of Caveat Finance for a Divorce Property Settlement
- Move quickly to meet an urgent settlement timeline
- Access equity without selling assets under pressure
- Cover a payout, legal costs, or bridging costs while longer-term finance is arranged
- Create time and negotiating leverage, so you’re not forced into a rushed decision
In the right scenario, this can feel less like “taking on debt” and more like buying time to execute the settlement properly.
Where Banks Can Slow Things Down
Even if you’re financially strong, banks can be slow when there’s a separation involved. They may request more documentation, want a full refinance assessment, or pause until settlement terms are final. That’s not necessarily unreasonable. It’s just not always compatible with real-world deadlines.
If you need fast, same day settlement, or funding within 24 hours, the non-bank route can be the difference between staying in control and being forced into decisions you don’t actually want.
How Secured Lending Helps You Settle Property Matters During Separation
At Secured Lending, we work as a private lender in Australia and we’re a non-bank lender. We operate Australia wide across Sydney, Adelaide, Melbourne, Brisbane, Perth, Gold Coast, and Canberra. Our job is to structure short-term funding around the reality of your timeline, your legal process, and the security available.
We Structure Funding Around the Settlement Event
Most borrowers we assist aren’t looking for a long-term facility. You want a bridge. You want certainty. You want to meet an agreement and then move to a cleaner, longer-term outcome when the dust settles.
We review what you’re trying to achieve and structure the caveat loan around the expected exit, such as:
- Refinance post-settlement or once consent orders are in place
- Sale of a property
- Release of funds once a transfer is completed
- Consolidation into longer-term secured business loan where appropriate
We Coordinate with Your Professional Team
Separation-related lending is never just “a loan.” It’s a coordinated process with solicitors, brokers (sometimes), and settlement agents. We’re used to working inside those timelines and document flows.
We can review your scenario, confirm what’s needed for security and settlement, and coordinate so the finance supports the legal steps rather than complicating them.
We Move Fast When Speed Is the Priority
If you’re facing an emergency timeline, you need a lender that can act like one. We regularly handle urgent settlement requests, including private lender urgent transactions where timing is non-negotiable.
Depending on the matter and security, we may be able to support fast, same day settlement or funding within 24 hours. Not every file qualifies, but speed is a core part of what we do.
You Can Borrow at Meaningful Scale
Divorce settlements can involve significant payouts, especially when property is the primary asset. We can assess opportunities to borrow up to $10million, depending on the security and overall scenario.
Clear Pricing and Purpose-Fit Terms
We keep the focus on short-term outcomes. Pricing depends on the specifics, but we can offer interest rates starting at 9.2% p.a on suitable deals. The goal is to match the loan term to your settlement pathway, not lock you into something mismatched to the situation.
Real-World Scenarios We Assist With
- You need to pay a spouse buyout but the refinance won’t land in time.
- You’ve agreed to retain property, but cash must be paid at settlement.
- You need bridging funds while a property is being prepared for sale.
- Business and personal assets are intertwined and the settlement needs fast capital to separate cleanly.
In each case, the loan isn’t the “plan.” It’s the bridge that lets your plan happen without delay.
What the Process Usually Looks Like
You don’t need a drawn-out process. You need a practical one.
- Review your goals and the settlement deadline
- Assess the property security and equity position
- Confirm the proposed exit strategy and timeframe
- Arrange documents and coordinate settlement logistics
- Settle quickly where appropriate
The core idea is simple: use property equity as a short-term lever, then step back into a longer-term structure once settlement is final.
FAQs
1. Can a caveat loan help me finalise a spouse payout without selling property?
Yes, in many cases a caveat loan can provide short-term funds so you can complete the payout and keep the property, then refinance later when the settlement is finalised.
2. How fast can Secured Lending settle a caveat loan?
Some matters can be fast, same day settlement or funding within 24 hours, depending on the security, documents, and settlement readiness.
3. Is Secured Lending a bank?
No. Secured Lending is a non-bank lender and a non bank business lender in Australia operating Australia wide.
4. What security do I need for a caveat loan during separation?
Caveat loans are secured against residential or commercial property. The suitability depends on the property, equity, and the overall settlement pathway.
5. How much can I borrow for a Divorce Property Settlement?
Loan sizes vary, but we can assess scenarios to borrow up to $10million where the property security supports it.
6. Will you work with my solicitor to align the loan with the property settlement steps?
Yes. We regularly coordinate with solicitors and settlement agents so the funding supports the property transfer, payout, or urgent settlement requirements.
How We Can Help
If you’re in the middle of a separation and need the funding piece solved quickly, Secured Lending can review your scenario, structure a caveat loan for your Divorce Property Settlement, and coordinate the process so you can meet deadlines without sacrificing good decision-making. Secured Lending is a short-term lending solution you can rely on. When you’re ready, our team is here to help you move quickly and confidently. Our team specialises in urgent short term loans solutions.
