When you need an Equity Release Fast, the normal bank process can feel like the wrong tool for the job. Full mortgage documentation, long credit committees, and drawn-out valuations don’t match the reality of time-sensitive opportunities or an urgent settlement. That’s where caveat finance can make sense. At Secured Lending, we’ve advised and assisted borrowers with an Equity Release Fast using caveat loans and short-term bridging structures, and we’ve facilitated over 500 strategic commercial loans for situations where timing matters. Contact us today to discuss your scenario.
Why Caveat Loans Suit an Equity Release Fast
Caveat loans are often used when you need rapid access to equity without the delays of a traditional refinance. Done properly, they can bridge you through a deadline, unlock capital for a transaction, or give you room to execute a plan already in motion.
- Rapid access to equity without full mortgage documentation: you’re not waiting on the same level of bank-style financial packaging.
- Speed for time-critical deals: when timing is everything—property purchases, business acquisitions, or contractual deadlines—caveat finance can align with your timeframe.
- Short-term flexibility: these facilities are typically structured for weeks to months, not decades.
- Property-secured certainty: the security is your residential or commercial property, which can simplify the decisioning pathway.
- Clear purpose, clear exit: the strongest caveat applications are the ones with a credible plan to repay—sale, refinance, settlement proceeds, or business cash flow event.
Caveat finance can also be useful when you need to act in an emergency—not because the deal is weak, but because the timing is non-negotiable. If you’re looking for a private lender urgent solution, caveat funding is one of the more practical ways to access equity quickly.
Where Secured Lending Fits
Speed is helpful, but structure is what protects you. Secured Lending operates as a private lender in Australia, and we’re a non bank business lender. That means we can assess scenarios quickly and keep the process tight—without losing sight of the fundamentals that matter: security, equity, and a sensible exit.
We operate Australia wide across Sydney, Adelaide, Melbourne, Brisbane, Perth, Gold Coast, Canberra, and we regularly coordinate with solicitors, brokers, and settlement agents to make sure timelines are realistic and controlled.
1. We Confirm the Outcome You Need and the Deadline
If you need same day settlement, we’ll tell you early what’s feasible based on the property, the title position, and your documentation readiness. If funding within 24 hours is the target, we work backwards from that deadline and tighten every step.
2. We Assess the Property and Equity Position First
Caveat loans are property-secured. We review your residential or commercial property, estimate equity, and check for existing mortgages and any title issues that could slow things down.
3. We Structure the Loan Around Your Exit Strategy
This is where most rushed loans go wrong—people focus on getting money in, not how it comes out. We help you map a clean exit, such as:
- refinance once documents are ready,
- sale of an asset with settlement pending,
- release of funds from a business transaction,
- completion of a value-add project followed by refinance.
4. We Keep Documentation Practical, Not Excessive
“Without full mortgage documentation” doesn’t mean “without checks.” It means we don’t force you through a bank-length process when the loan term and security don’t call for it. We aim for a fast, workable set of documents that still supports responsible lending outcomes.
5. We Provide Real Lending Capacity
If your scenario supports it, you can borrow up to $10million through our secured business loan and short-term property-backed facilities. Pricing depends on risk and structure, with an interest rate starting at 9.2% p.a for suitable deals.
6. We Coordinate Settlement Properly
For an Equity Release Fast, settlement coordination is as important as credit approval. We liaise with the right parties so your caveat registration, loan documents, and payout figures are aligned. This is how you avoid last-minute surprises when you’re already operating under pressure.
Common Scenarios We Help With
- You need bridging funds to secure a purchase while a sale is pending.
- You have a commercial opportunity with a short acceptance window.
- You’re facing an urgent settlement deadline and need equity released quickly.
- You want to inject capital into your business, then refinance later under a longer-term facility.
- You need a private lender urgent solution because the bank timeline doesn’t match your reality.
In each case, the goal is the same: help you move Fast while keeping the structure disciplined and the exit achievable.
How We Can Help
Secured Lending can help you move fast with a bridging loan for an Equity Release Fast. We review your scenario, confirm what’s feasible, and structure a caveat loan that matches your timeline and your exit strategy. We’ve advised and assisted borrowers through time-sensitive settlements and facilitated over 500 strategic commercial loans where speed and certainty mattered. If you need same day settlement or funding within 24 hours, we’ll coordinate the process end-to-end so you can focus on the decision, not the paperwork. Assess your scenario today. 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.
FAQs
1. How fast can a caveat loan settle for an Equity Release Fast?
In suitable cases, same day settlement may be possible. More commonly, approvals and document flow can support funding within 24 hours, depending on title checks, security position, and solicitor responsiveness.
2. Do I need full financials like a bank refinance?
Not always. Caveat lending can support rapid access to equity without full mortgage documentation, but you still need enough information to confirm the security, the purpose, and a realistic exit strategy.
3. What security can be used?
Caveat loans are typically secured by residential or commercial property in Australia, with the lender registering a caveat on title.
4. How much can I borrow?
Loan amounts depend on equity, location, and structure. For suitable scenarios, you can borrow up to $10million through our short-term, property-secured facilities.
5. What interest rate should I expect?
Pricing depends on risk and the details of your transaction. For appropriate deals, we offer an interest rate starting at 9.2% p.a.
6. Is Secured Lending a bank?
No. We’re a non-bank lender and Private Lender in Australia, operating Australia wide including Sydney, Adelaide, Melbourne, Brisbane, Perth, Gold Coast, and Canberra.
