When you’re trying to access equity, time rarely cooperates. A refinance can stall in valuation queues. A bank can request extra documents late in the process. A property sale can push out due to buyer conditions. Meanwhile, your opportunity or obligation doesn’t move. That’s where caveat loans for an equity access delay can make the difference. Contact us today to discuss your scenario.
What a Caveat Loan Does When Equity Is Delayed
A caveat loan is a short-term, property-secured loan where a caveat is lodged on title to protect the lender’s interest. In plain terms, it’s designed for speed and certainty when you have equity, but you can’t access it quickly enough through a bank or longer approval pathway.
This is particularly useful when you’re experiencing an equity access delay, such as:
- Your refinance is approved in principle but not ready to settle
- Your valuation or credit sign-off is taking longer than expected
- A sale is under contract but settlement is pushed back
- You need to pay a deposit, release stock, complete works, or finalise a transaction now
The point isn’t to “replace” your longer-term funding. It’s to provide interim funding while equity access is delayed, so you can keep control of outcomes and timelines.
Benefits of Caveat Finance for an Equity Access Delay
Speed When Timing Matters
If you’re facing an urgent settlement, a caveat loan can be structured for fast approvals and, in suitable cases, same day settlement. Many scenarios allow funding within 24 hours once security and documents are in order.
Less Friction Than a Bank Process
Banks can be excellent for long-term funding, but they’re not built for exceptions, short timelines, or “we need it this week” problems. Caveat loans are designed for those gaps.
Bridge the Gap Without Missing an Opportunity
You can use a caveat loan to hold a position while your refinance, equity release, or sale completes, then repay the short-term loan from the longer-term solution.
Clear, Asset-Backed Structure
Because it’s secured against property, the focus is on the quality of the security and your exit strategy, not endless rounds of policy checks.
How Secured Lending Helps You Move Quickly and Confidently
When equity access is delayed, the real cost is usually uncertainty. You’re managing multiple moving parts: counterparties, solicitors, agents, builders, business suppliers, and sometimes investors or family stakeholders. Our job is to reduce that noise and replace it with a clear path from today to settlement.
We Structure the Loan Around Your Exit, Not Just the Urgency
Speed matters, but it’s not the whole story. We review how you intend to repay the loan, then structure terms that match your timeline. Common exits include:
- Refinance completion
- Equity release after valuation and approval
- Property sale settlement
- Business cash event where timing is contracted and realistic
If the exit isn’t clear, we’ll say so. A caveat loan should solve a timing gap, not create a longer one.
We’re Built for Urgent Timelines
Secured Lending is a private lender in Australia and a non-bank lender. We operate Australia wide, including Sydney, Adelaide, Melbourne, Brisbane, Perth, Gold Coast, and Canberra. That national capability matters when you need a decision and execution without delays caused by rigid branch processes.
Where the scenario supports it, we can coordinate for emergency timeframes, including private lender urgent requests that need urgent settlement. The goal is simple: keep your transaction intact.
You Can Access Meaningful Limits
Equity delays often happen on substantial transactions. We can assess requests to borrow up to $10 million, depending on the property security, position, and exit. This is why caveat lending is often used by capable borrowers who simply don’t want to lose leverage because a third party is moving slowly.
Pricing Is Transparent and Aligned to Short-Term Use
Short-term funds are not priced like long-term mortgages. With Secured Lending, you may see an interest rate starting at 9.2% p.a (subject to assessment, security, and structure). The practical question is whether the cost is justified by the outcome: protecting a settlement, securing an asset, avoiding penalties, or keeping a project on schedule.
We Keep the Process Tight and Practical
We focus on what matters to settle:
- Confirm property details and equity position
- Review your exit strategy and timeframes
- Coordinate with your solicitor/conveyancer to lodge the caveat and prepare documents
- Arrange funding in line with settlement requirements
This is where a secured business loan can be particularly effective: you’re using property strength to keep the business or investment plan moving, instead of waiting on a slower credit cycle.
Common Real-World Uses During an Equity Access Delay
You might use a caveat loan when:
- A refinance is approved but documents and settlement are delayed
- A purchase requires a deposit or balance payment before your bank funds are available
- You need bridging funds to complete renovations or compliance items so a refinance can proceed
- You need to finalise a commercial settlement while equity release is in progress
The theme is consistent: interim funding while equity access is delayed, with a clear plan to repay.
FAQs
1. How fast can a caveat loan settle for an equity access delay?
If security and legal documents are ready, it can be fast, with some transactions able to reach same day settlement or funding within 24 hours.
2. What property can I use as security?
Caveat loans are typically secured by residential or commercial property in Australia, subject to review of equity, title, and location.
3. Is this only for business purposes?
No. It can suit business or investment needs, including non bank business lender scenarios, as long as the purpose and exit strategy make sense.
4. What does the caveat actually do?
A caveat is recorded on the property title to notify others of the lender’s interest. It helps protect the lender while the loan is outstanding.
5. Can you help if my bank refinance is delayed at the last minute?
Yes. This is one of the most common equity access delay scenarios we see, including private lender urgent requests where you need an emergency solution to meet an urgent settlement date.
6. What loan size and pricing should I expect?
Loan sizes can range widely, and in suitable cases you can borrow up to $10 million. Pricing may be an interest rate starting at 9.2% p.a, depending on your security and structure.
How We Can Help
At Secured Lending, we arrange caveat loans specifically to cover the gap created by an equity access delay, so you can meet deadlines, protect opportunities, and keep negotiations on your terms. As a non-bank lender and private lender in Australia, we coordinate quickly with your advisers and work Australia wide across Sydney, Adelaide, Melbourne, Brisbane, Perth, Gold Coast, and Canberra. 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.
