Caveat Loans 

Borrow Up to $5 million - No business plan required – Bad credit OK.

Victoria Mortgages can offer the financial back up business owners' need. The fastest and easiest way to fund a business.

Simply fill out a 60 second online application and get funding the next day if approved!

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Loans: What is a Caveat Loan?

A caveat loan is a loan held against the value of the equity in your property.

The loan itself is the funds that the borrower receives, and the caveat is what would be lodged on the title of ownership of your home.

In what way are Caveat loans secured?

A 'caveat' is a certificate filed on the properties title. The title is a register of public property ownership, and holding a caveat on this register will secure the property to show the lender has an interest in the property.

The assets will then be used to secure the loan. The lender holds an interest in the property's equity. With the assurance that they will be able to liquidate the property to compensate for any losses in the event a borrower defaults, they can proceed with the lending transaction.

The caveat acts as an official note on the property title of the estate, that allows other lenders to be aware that the estate is being used as security for the credit. Therefore, the property can not be used for any other purposes.

What is the difference between a Second Mortgage and a Caveat Loan?

A  first mortgage or home loan is relatively simple. A mortgage taken out by a home buyer to purchase a home is known as the first mortgage. The borrower gains a lender's authorisation depending on his/her credit history and earnings. If accepted, they obtain a credit that can be used to buy a property, which in the case of non-payment also acts as the security of the loan.

However, taking out second mortgages on the same asset is common for property investors as well as homeowners. A second mortgage is effective because each prior repayment they provided against the estate reduces the principle, which in turn raises the equity of the mortgage holder. Second mortgages can be secured against this increase inequity.

The essential distinction between a second mortgage and a caveat loan is that more than one mortgage is given against a single asset or property. Mortgages are given an order of priority relative to when the mortgage was first secured. In the case of a default, only after the first has been cleared can a second mortgage be cleared.

With a caveat loan, if the caveat loan is still in effect, the property concerned may not be used as collateral for any other loan. Under certain conditions, these limitations render caveat loans simpler to process and are more convenient. With no other loans competing over a single property for priority ownership, the lender can transfer the full loan amount a lot faster.

Caveat Loan Vs Second Mortgage

Get approved quickly by applying online.

Note: No Financials, No Credit Check, No Worries! Apply Now and find out where you stand!

Do you need cash today?

Our team recognises that you must have your money immediately, and we're committed to settling your 24-hour caveat loan super fast. Our procedure presents you with a clear idea of your eligibility for our caveat loan. Whether it is to purchase new equipment for your business, relieve cash flow issues or fund a start-up, Victoria Mortgages provides you with flexibility, fast responses and quick funding to ensure that best solution is found for your business.

If a property has a caveat, can a property be sold?

You can not sell your property or try to acquire additional financing using your house as security when you have a caveat loan.

Why are Caveat Loans from Victoria Mortgages Better for Australian Residents?

At Victoria Mortgages, we are proud to offer one of Australia's most excellent caveat loans without pre-approval, bad credit ok, or the need to provide financial statements or proof of income.

Here's our point of distinction:  Your funds will be accessible as quickly as 24 hours

1. Submit an obligation free loan application online; it only takes 5 minutes.

2. You will need to upload your drivers licence, and council rates notice.

3. Receive the funds after paperwork signed, and verification is complete.


The loan enables you to free up relative equity from your property almost immediately. Our loans are quick and straightforward to approve compared to traditional bank loans (funding can be accessed as quickly as 24 hours).

If you are considering seizing an urgent opportunity to grow your company or settle pressing invoices, a caveat loan could be your ideal solution. We assist customers throughout Australia whether you're from Adelaide South Australia, Melbourne, rural Victoria, Brisbane or Sydney, we are here to assist.

Apply now for a business loan

Victoria Mortgages can support Your Business!

Victoria Mortgages specialises in offering caveat loans, regardless of company form and size, to all business holders across Australia. Banks and other lenders typically take longer to process requests for caveat loans and to settle the funds promptly. Our group of company experts at Victoria Mortgages, however, work hard together to assist in resolving your challenges. Our application process has been developed to be quick, easy and effective, ensuring that when you need it most, funding is allocated on time.

Fast Caveat Loans from Victoria Mortgages

Victoria Mortgages can assist if you are an Australian property owner looking for a super-fast caveat loan. We offer incomparable caveat loans that are secured against your property assets to guarantee fast disbursement, without problems.

Our financing options are designed to cater to accommodate any circumstance in which you may experience, which needs funds to resolve.  We also support clients with bad credit. Our short-term caveat loan with no repayments are a perfect solution for those who need funds using a caveat loan, even if your credit rating is trashed! Read on for more information on how short-term caveat loans function, and if you have any questions, feel free to contact us.      


How do I discover the eligibility of my company?


Apply Now for Victoria Mortgages Quick Loans with our simple form,

applying for a caveat loan online has never been this easy.

  • Let us know how much you’d like to borrow.

  • Select the business loan amount required

  • Select how long have you been in business.

  • Select how long you want the loan for

  • We’ll get back to you right away with more information.


Don’t worry about getting pre-approval", you don’t need it, and please don't hesitate to contact us if you have any questions.

Why are Caveat Loans especially appealing to business owners?

We at Victoria Mortgages are ready to assist Australian businesses to achieve their financial goals and identified caveat lending to be one of our main assets. It is often complicated, challenging and time-consuming to borrow from a conventional bank, assuming you can get approval for your company!

Regardless of the nature of your organisation, we will provide you with the necessary financing as long as you own property.


You have probably already wasted much time going from one bank to another only to be unsuccessful in getting the loan, usually because the banks qualifying policies are too restrictive to help you. Thanks to our no-credit-check or financials caveat loan, (no pre-approval process just a fast decision in 2 hours), you can finally get your business moving in the right direction.

Questions about Caveat Loans:


I need help urgently, how soon can I get a caveat loan?

Do you need an immediate response? We will respond quickly! Victoria Mortgages recognises that time is critical.  We can give you a super-fast decision on your application for a caveat loan.


Fill out our inquiry form to see if you are eligible to apply for a caveat loan. We can transfer the money in as quickly as 24 hours after your request has been approved.

How much will I be able to can I borrow using a  caveat loan?

Within just 24 hours, Victoria Mortgages enables most customers to borrow up to 75% of property value, (minus any mortgage still owing). The LVR is calculated by dividing the loan amount by the value of the property, i.e. a $500k property at 70% equals a $350K caveat loan.


For the duration of the caveat loan, there are no repayments for the loan period you have chosen, so you can continue to build your company.

Do you have a bad credit history?


Don't be afraid! We have the perfect solution for your predicament; If you have a bad credit history and want to apply for financing, you can with Victoria Mortgages. We make sure that our plans are flexible and customised to your budget with our short-term caveat loans.

Victoria Mortgages accommodates businesses of all shapes and sizes; you don't need to have a clean credit rating; we can still help you. Victoria Mortgages is more than ready to consider offering caveat loans to anyone with bad credit history in a way that best serves the requirements of the business.

What is the LVR ratio of a caveat loan?

With Victoria Mortgages, you can borrow up to 75% of the valuation of the property. Approved LVR may be affected by the mortgaged amount, property type, business and other considerations. For information, please email us.

How is a caveat loan calculated?

The Caveat loan amount is calculated by using a specific proportion of your property's value, minus any amount owing on an existing mortgage. The amount is going to rely on the property value.

What do I have to do to obtain a caveat loan?

1. Go to our free loan application: it will take less than 5 minutes.

2. You're going to have to upload your driver license, and rates notice but not straight away.

3. Upon signing the documentation, you will receive the money, and it is that simple.


Which property types can be used to purchase a caveat loan?

We recognise any property anywhere in Australia! The property, however, must be in Australia.


How can finance on a caveat loan be used?

Funding can be used for any business purpose such as start-up equity, payment of invoices, purchase of machinery and renovation of warehouses; there is no restriction as long as it is for business or commercial investment purposes. A caveat loan is appropriate for any business or commercial use in the short term. (1 to 6 months).

What is the usual amount of caveat loan obtained by clients of Victoria Mortgages?

The median credit often obtained by our clients is between $20,000 and $1,000,000. We can provide up to $2 million in credit.

What is the most popular reason that customers choose caveat loans from Victoria Mortgages?

This is because most of our clients either have a bad credit rating, have no financials or documentation to substantiate their income. A client can apply for a caveat loan with no financials or bad credit and receive a decision within 2 hours, and the funds in 24 hours.


What are the top misconceptions of a caveat loan?

1. That caveat loans are highly costly:

Caveat loans typically pay a higher premium than bank loans because of the more significant risk aspects, with the typical loan period being only 1 to 6 months. However, a caveat loan is often a preferred option for customers who need super fast access to their equity or are unhappy with conventional alternatives.

2. Getting a caveat loan is complicated:

Caveat loan may be one of the most straightforward financing solutions you can get. All that will be needed is a single property, (with enough equity) and completion of the financing process will be completed in 24 hours.

3. Caveats can halt the selling of assets:

Caveats provide creditors with a guaranteed holding in the estate just like a mortgage. In the situation where the property is for sale, a caveat will be required to be removed; once the loan balance has been paid, or it has been sold or settled, just like a mortgage.

4. If the mortgage is in arrears, the lender will sell the estate:

Ensuring that borrowers can fulfil their repayment commitments is in the interest of the borrower and the lender. If a borrower defaults on the loan, then the property can be sold. It is in everyone's interest to make sure the borrower can meet the repayment obligations. To ensure you can meet your obligations, we will ask you for an exit strategy. We will need to know how you will repay the loan. i.e. sale of the property, refinancing, sale of shares or investments.         


If you have any questions then please contact us.

How difficult is it to qualify?

It is very easy, you don't need a good credit rating, you don't need any financials, and you don't need a valuation of the security property.

When will you contact me after I fill in the form?

We will contact you within 2 business hours.

When will my loan settle if I am approved?

Within 24 hours

Where is the form so I can apply

The form is here and it take 60 seconds to complete Apply here now

  • In general, short-term business loans are for clients who need to have access to funds very fast (over a short period of usually no more than 6 months). The capital borrowed could pay for any business or commercial expense that is worthwhile.

  • A 12 Month 2nd mortgage is a 12-month interest-only commercial loan. These are perfect if more time is required than a short-term loan has to offer, and principal & interest payments are not a preferred option.


  • Associated fees between 1% and 4%

  • No hidden transaction fees, 

  • Interest rates from 1.95% pm depending on LVR