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LVR means "Loan-to-Value Ratio" which represents the percentage of the property's value that you are borrowing when applying for a mortgage. For instance, if you're buying a $500,000 home with a $100,000 down payment, your LVR would be 80% which is a equivalent to a loan amount of ($400,000 - and when you divide the $400,000 loan amount by $500,000) brings you to an 80% LVR. A lower LVR generally means you have a larger down payment, or your security has more equity within its value which you can leverage to your advantage. This can lead to more competitive loan terms being approved and (potentially) allows the borrower to be eligible for a more competitive interest rate and finance approval.

Private Mortgages, Solicitor Loans, Short Term Caveat Loans or Solicitor Funds are all terms used interchangeably with Caveat Loans. Caveat Loans are provided by private lenders who aren’t bound by the harsh credit criteria that traditional lenders are subject to.

Approvals for fast caveat loans in Australia can be issued within four hours and can be applied for in the name of either a sole-trader, company, or family trust unit by providing a few basic details, with the subsequent settlement possible within 24-hours. Caveat Loans settle faster than traditional types of loans.

The primary difference

The difference

At Caveat Loans Aust, we pride ourselves on providing flexible and accessible lending solutions. The maximum LVR (loan to value ratio) we offer is up to 75%. This means you can borrow up to 75% of the value of your property, making our private caveat loans an excellent choice for both business and personal needs. With our fast, no-doc application process, you won't need to provide any proof of income to qualify, ensuring a swift and hassle-free experience. Whether you're looking to leverage your property's value for business expansion or personal use, Caveat Loans Aust is here to help!

Yes, both companies and trusts are eligible to obtain a private loan. Our private caveat loans are designed to be flexible and accessible, making them an excellent choice for businesses or trustees seeking fast, no-doc loans. These loans do not require any proof of income to qualify, meaning that companies and trusts can secure the funds they need without the cumbersome paperwork typically associated with traditional lending. Whether it's for business expansion, managing cash flow, or any other financial need, our private loan solutions are tailored to offer quick access to capital.

Yes, , individuals who do not have a company or trust can still obtain funding. Our private caveat loans are designed to be flexible and accessible, offering no-doc business loans or personal loans. This means that you do not need to provide proof of income or have an established business entity to qualify. Simply use your property as security, and you can access fast and reliable funding tailored to your needs. Whether you are looking to manage personal expenses or fund a business venture, Caveat Loans Australia provides a streamlined process to help you secure the financial support you need quickly and efficiently.

Yes, self-employed individuals are definitely eligible to obtain a private loan

Yes, a newly formed business without any financials or trading history can apply for funding.

6-12 months

Yes, so long as the guarantor has a tangible interest in the transaction and are noted as mutual borrowers, beneficiaries or shareholders.