A caveat is a legal notice recorded on a property’s title that protects the lender’s interest. Because lodging a caveat is quicker and lighter than registering a new mortgage, the funding can move in days. It suits short, defined needs with a clear way out.
What a caveat loan is
A caveat loan is short-term capital secured by that caveat. It sits behind your existing mortgage rather than replacing it, so you raise funds without refinancing.
How the security works
The caveat ranks behind your first mortgage, so your existing lender usually doesn’t need to consent. That’s what makes it fast — there’s no refinance, no discharge, no renegotiation of your primary facility.
Typical timeframe
With clean security and a clear exit, settlement in days is realistic. We tell you upfront what your specific timeframe looks like.
When it’s the wrong tool
If you need a long-term facility, or there’s no defined exit, a caveat loan isn’t the right fit — a second mortgage or a longer-term structure usually serves better.
FAQ
Is a caveat loan registered like a mortgage?
No — a caveat is a notice recorded on the title, which is lighter and quicker to lodge than registering a mortgage. That’s part of why it can move in days.
Can an individual get a caveat loan?
Lienhouse lends to Australian companies and trusts secured against assets they own — not to individuals borrowing for personal use.