Stamp duty rarely arrives at a convenient time. When you’re facing a tight deadline, a bank transfer delay, funds still moving between entities, or a settlement date that won’t wait, the pressure is real. If you’re dealing with a Stamp Duty Urgency and the duty must be paid immediately, a caveat loan can be the practical bridge that keeps the transaction intact and your broader strategy on track. Contact us today to discuss your scenario.
Why Stamp Duty Creates Urgency
In Australia, stamp duty is often required within strict timeframes tied to settlement and transfer. For many investors and business owners, the issue isn’t affordability—it’s timing. Your liquidity may be:
- Committed elsewhere until a sale completes
- Sitting inside a trust or fund structure awaiting authorisation
- Tied up in a refinancing that hasn’t cleared
- Arriving from offshore or another institution on a timeline you don’t control
When the duty must be paid immediately, you need a solution that matches the clock you’re working against.
What a Caveat Loan Is in Plain Terms
A caveat loan is a short-term secured loan backed by property, where a caveat is lodged on title to protect the lender’s interest. It’s designed for situations that require fast action, like an urgent settlement or an emergency cash requirement linked to a transaction.
For stamp duty, the benefit is simple: you access funds quickly, then repay the loan once your expected funds clear or your next step (sale, refinance, distribution, settlement) is completed.
Benefits of Caveat Finance for a Stamp Duty Urgency
Used correctly, caveat finance can be a clean, strategic tool rather than a “last resort.” Key benefits include:
- Speed when timing is critical, including fast approvals and same day settlement in suitable cases
- Funding within 24 hours when the security and documents are straightforward
- Flexibility compared to banks, particularly when you can clearly demonstrate the exit strategy
- Short-term structure that matches a known upcoming event, rather than locking you into a long facility
- Potential to borrow up to $10 million depending on property, equity, and servicing profile
The goal is not to “carry debt.” It’s to prevent a costly delay, protect your purchase, and keep your plans moving.
How Secured Lending Helps You Execute Quickly
When you’re dealing with stamp duty deadlines, the real risk is friction. Too many lenders treat urgent lending like a standard process. We don’t. We structure around the deadline first, then build the loan around what’s realistic and provable.
We Act as a Private Lender with Practical Decisioning
Secured Lending is a private lender in Australia and a non-bank lender. That matters in a Stamp Duty Urgency because we can assess the real-world context of your transaction without forcing you through a long, inflexible bank credit pathway. If your position is sound and your exit is clear, we focus on getting it done.
Australia Wide Support When You Need It Most
We operate Australia wide: Sydney, Adelaide, Melbourne, Brisbane, Perth, Gold Coast, Canberra. When your matter is moving across states, or your property is not in your home market, you still get consistent execution and clear communication.
Clear Lending Parameters and Property-Backed Certainty
For stamp duty funding, we typically work with residential or commercial property security. The process is built around what can be verified quickly: equity position, title, payout figures, and your repayment plan.
Short-Term Bridging Loans That Match Your Timeline
A bridging loan for Stamp Duty Urgency is only useful if it fits the timing of your exit. We will review your scenario and structure the facility around:
- When the duty must be paid
- When your funds are expected to land
- Whether repayment is from sale proceeds, refinance, or internal liquidity release
This is where experience matters. We’ve facilitated $500m of loans for urgent settlement needs, and we understand how quickly a “simple” timing issue can become expensive if it derails settlement.
Transparent Cost Expectations
You should know what you’re signing up for. Depending on the scenario, we can discuss an interest rate starting at 9.2% p.a, along with the key fees and the expected total cost over the short term. The focus is always on suitability: does the cost make sense relative to the risk and consequence of missing the duty deadline?
Designed for Urgent Settlement Scenarios
If you need private lender urgent funding because stamp duty must be paid immediately, we can coordinate the steps with your conveyancer or solicitor to reduce delays. In the right scenario, we can achieve same day settlement. Where same-day isn’t feasible, we aim for funding within 24 hours.
Secured Business Loans That Protect Your Bigger Plan
Many borrowers using stamp duty bridging are thinking several moves ahead: preserving liquidity for another acquisition, keeping capital available for renovations, or avoiding a forced asset sale at the wrong time. Our secured business loan options are structured to give you breathing room without losing momentum.
How the Process Typically Works
You want speed, but you also want control. In most stamp duty matters, we move through a practical sequence:
- Review the property security, equity position, and urgency date
- Confirm your exit strategy and expected repayment timing
- Coordinate documents and settlement requirements with your legal team
- Settle and release funds so you can meet the stamp duty deadline
This is not about dragging you through a long application. It’s about confirming what matters, then moving.
FAQs
1. Can a caveat loan be used specifically to pay stamp duty?
Yes. If you have a Stamp Duty Urgency and need funds immediately to meet an obligation, a property-secured caveat loan can be structured as a short-term bridge.
2. How fast can Secured Lending provide funds?
In suitable scenarios we can provide fast outcomes, including same day settlement, and in many cases funding within 24 hours, depending on documents, valuation needs, and legal readiness.
3. How much can I borrow for stamp duty funding?
You may be able to borrow up to $10 million, depending on the property value, available equity, and the strength of the repayment plan.
4. What security is required?
Caveat loans are secured by residential or commercial property. The property’s equity position and title checks are central to approval.
5. What interest rate should I expect?
Pricing depends on the risk and structure. In appropriate scenarios, we can offer an interest rate starting at 9.2% p.a, plus relevant fees disclosed upfront.
6. Is this available outside major capitals?
Yes. We are a non bank business lender and operate Australia wide across Sydney, Adelaide, Melbourne, Brisbane, Perth, Gold Coast, Canberra, including regional areas where the security and transaction stack up.
How We Can Help
If stamp duty is due now and timing is the only problem, we can help you bridge the gap cleanly. Secured Lending will review your security, confirm the deadline, coordinate with your solicitor, and arrange a short-term facility built for urgent settlement. 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.
