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Compare caveat loans, second mortgages and bridging finance

Caveat loans, second mortgages and bridging loans are property-secured structures that may be used when timing matters: a tax deadline, a settlement, or a gap until a sale or refinance. Terms and security arrangements differ by lender.

17 products from 9 lenders · Last checked 26 Sept 2026

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Products with caveat, second mortgage or bridging wording in their published name or structure. Check each product’s security and eligibility details.

17 products from 9 lenders

Caveat, second mortgage and bridging loans

Private lenderVia broker

Aquamore Bridging Loan

Short-term property-secured bridging loan of $300K to $7.5M through brokers, to buy property before selling or to help business cash flow.

Amount
$300K to $7.5M
Term
Not published
Security
Property-secured
Rates and other criteria
Rate
Rate available on application
Repayments
Not published
Trading
Not published
Source dated 26 Sept 2026
Details for Aquamore Bridging Loan
Non-bank business lender

Banjo Loans Business Loan Bridge

Secured bridging loan from $20K to $2M over 2 to 6 months, paying interest and fees only, with the principal due at maturity.

Amount
$20K to $2M
Term
2 mths to 6 mths
Security
Secured
Rates and other criteria
Rate
Rate available on application
Repayments
Weekly, Fortnightly, Monthly
Trading
2+ years trading
Source dated 23 Sept 2026
Details for Banjo Loans Business Loan Bridge
Non-bank business lender

Bizcap Bridging Finance

Property-secured bridging finance from $150K to $7.5M for business owners who own property and have a clear exit strategy.

Amount
$150K to $7.5M
Term
Not published
Security
Property-secured
Rates and other criteria
Rate
Individual assessment
Repayments
Daily, Weekly
Trading
Not published
Source dated 23 Sept 2026
Details for Bizcap Bridging Finance
Private lender

Capital Bridging Finance ATO Debt Loan

Short-term property-secured bridging loan to clear a business tax debt with the ATO and stop further penalties.

Amount
$50K to $5M
Term
Up to 1 yr
Security
Property-secured
Rates and other criteria
Rate
Rate available on application
Repayments
Not published
Trading
Not published
Source dated 26 Sept 2026
Details for Capital Bridging Finance ATO Debt Loan
Private lender

Capital Bridging Finance Cash Flow Loan

Short-term property-secured loan to buy materials or stock, grow the business or cover one-off expenses, assessed on revenue projections.

Amount
$50K to $5M
Term
Up to 1 yr
Security
Property-secured
Rates and other criteria
Rate
Rate available on application
Repayments
Not published
Trading
Not published
Source dated 26 Sept 2026
Details for Capital Bridging Finance Cash Flow Loan
Private lender

Capital Bridging Finance Commercial Finance

Short-term property-secured bridging loan for businesses to buy stock, invest in technology, upgrade property or act on investment opportunities.

Amount
$50K to $5M
Term
Up to 1 yr
Security
Property-secured
Rates and other criteria
Rate
Rate available on application
Repayments
Not published
Trading
Not published
Source dated 26 Sept 2026
Details for Capital Bridging Finance Commercial Finance
Private lender

Capital Bridging Finance Debt Consolidation Loan

Short-term property-secured finance to consolidate existing business debts into one loan. Interest rate and LVR depend on the application.

Amount
$50K to $5M
Term
Up to 1 yr
Security
Property-secured
Rates and other criteria
Rate
Individual assessment
Max LVR
Varies
Trading
Not published
Source dated 26 Sept 2026
Details for Capital Bridging Finance Debt Consolidation Loan
Private lender

Capital Bridging Finance Urgent Funds

Short-term emergency loan secured against property for last-minute business expenses, cash flow gaps, investment opportunities or settlement.

Amount
$50K to $5M
Term
Up to 1 yr
Security
Property-secured
Rates and other criteria
Rate
Rate available on application
Repayments
Not published
Trading
Not published
Source dated 26 Sept 2026
Details for Capital Bridging Finance Urgent Funds
Private lenderRelated party

fundU Business Loan

Business-purpose loan generally secured against real estate by first or second mortgage, for working capital, expansion, equipment, refinance or tax debt.

Amount
Not published
Term
Not published
Security
Property-secured
Rates and other criteria
Rate
Individual assessment
Repayments
Monthly
Trading
Not published
Source dated 26 Sept 2026
Details for fundU Business Loan
Private lender

HomeSec Business Finance Business Bridging Loan

Business bridging loan from $20K to $5M secured over Australian property, for business or investment purposes, with an open term.

Amount
$20K to $5M
Term
Not published
Security
Property-secured
Rates and other criteria
Rate
Individual assessment
Repayments
Not published
Trading
Not published
Source dated 23 Sept 2026
Details for HomeSec Business Finance Business Bridging Loan
Private lender

HomeSec Business Finance Caveat Loan for Business

Short-term caveat loan from $20K to $5M secured over Australian property, for business or investment purposes, with an open term.

Amount
$20K to $5M
Term
Not published
Security
Property-secured
Rates and other criteria
Rate
Individual assessment
Repayments
Not published
Trading
Not published
Source dated 23 Sept 2026
Details for HomeSec Business Finance Caveat Loan for Business
Private lender

HomeSec Business Finance Second Mortgage Business Loan

Second mortgage business loan from $20K to $5M secured over Australian property, for business or investment purposes.

Amount
$20K to $5M
Term
Not published
Security
Property-secured
Rates and other criteria
Rate
Individual assessment
Repayments
Not published
Trading
Not published
Source dated 23 Sept 2026
Details for HomeSec Business Finance Second Mortgage Business Loan
BankVia broker

Judo Bank Bridging Finance

Short-term loan from $250K, typically up to 12 months, for commercial property purchase or refinance, pre-development funding or residual stock.

Amount
From $250K
Term
Up to 1 yr
Security
Not published
Rates and other criteria
Rate
Base rate plus margin
Repayments
Not published
Trading
Not published
Source dated 23 Sept 2026
Details for Judo Bank Bridging Finance
Private lender

Secured Lending Bridging Loan

Short-term commercial bridging loan of $250K to $10M secured by a first or second mortgage, for 1 to 24 months.

Amount
$250K to $10M
Term
1 mth to 2 yrs
Security
Property-secured
Rates and other criteria
Rate
From 9.7% p.a.
Max LVR
Up to 70%
Trading
Not published
Source dated 26 Sept 2026
Details for Secured Lending Bridging Loan
Private lender

Secured Lending Caveat Loan

Short-term business loan of $250K to $10M secured by a caveat over residential or commercial property, leaving your first mortgage in place, for 1 to 24 months.

Amount
$250K to $10M
Term
1 mth to 2 yrs
Security
Property-secured
Rates and other criteria
Rate
From 9.7% p.a.
Max LVR
Up to 70%
Trading
Not published
Source dated 26 Sept 2026
Details for Secured Lending Caveat Loan
Private lender

Secured Lending Second Mortgage Loan

Short-term business loan of $250K to $10M secured by a second mortgage behind your existing first mortgage, for 1 to 24 months.

Amount
$250K to $10M
Term
1 mth to 2 yrs
Security
Property-secured
Rates and other criteria
Rate
From 11.95% p.a. fixed
Max LVR
Up to 70%
Trading
Not published
Source dated 26 Sept 2026
Details for Secured Lending Second Mortgage Loan
Private lender

Semper Bridging Loan

Property-secured bridging loan of $500K or more for businesses, as a first or second mortgage, repaid from a sale or refinance, for up to 12 months.

Amount
From $500K
Term
Up to 1 yr
Security
Property-secured
Rates and other criteria
Rate
From 8.50% p.a.
Repayments
Monthly
Trading
Not published
Source dated 26 Sept 2026
Details for Semper Bridging Loan

Lenders will assess the available equity, existing mortgages, the business purpose and how the loan will be repaid. A clear exit is especially important for short-term facilities.

What to know

Second mortgages

A second mortgage is registered behind an existing mortgage. The new lender assesses the equity remaining after the first loan, any priority or consent requirements, and how the second loan will be repaid. Check the combined debt against the property value and the full cost of the facility.

Caveat loans

For a loan marketed as a caveat loan, the lender may lodge a caveat claiming an interest in the property. A caveat can restrict a sale or refinance until it is released. Review the loan and security documents, total fees and the steps needed to remove the caveat at payout.

Equity and position

How much equity you have, and whether the lender takes a caveat, second or first mortgage, drives the price and the maximum.

The exit comes first

Lenders want to know exactly how the loan will be repaid. Have the sale, refinance or incoming funds mapped out.

Read the fees

Establishment, legal, valuation and exit fees add up on a short loan.

Caveat, second mortgage and bridging loans: common questions

What is a caveat loan?

A short-term loan where the lender lodges a caveat on the title of a property you own as security. It can settle quickly but usually costs more than a registered mortgage.

How does a second mortgage work?

It is a further registered mortgage behind the existing mortgage. The lender considers available equity, the first lender’s position, and the intended repayment or refinance.

How long do bridging loans last?

Usually months rather than years, sized to the time until your sale, refinance or payment arrives.

More ways to compare business loans

Unsecured business loansSecured business loansLow-doc business loansFast business loansBusiness loans for new businessesBusiness lines of creditBusiness loans with bad creditSpecialist & Private FinanceNon-Cashflow / Asset-Backed FinanceRefinance & Debt Consolidation

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