When mortgage arrears start to build, the real risk isn’t just the missed payments. It’s the escalation: default notices, enforcement steps, legal costs, and a shrinking set of options with your existing lender. A caveat loans solution for mortgage arrears clearance is designed for this exact moment—fast capital secured against property to clear arrears and stabilise your position before the situation hardens. Contact us today to discuss your scenario.
At Secured Lending, we’ve advised and assisted borrowers with a mortgage arrears clearance strategy where time is the key variable. We’ve also facilitated over 500 strategic commercial loans, including time-sensitive scenarios where preventing escalation was the priority. Secured Lending can help you move fast with a bridging loan for mortgage arrears clearance. Assess your scenario today.
What a Caveat Loan Does in an Arrears Situation
A caveat loan is a short-term, property-secured loan that can be arranged quickly with a private lender urgent mandate. The lender protects their interest by lodging a caveat on title. In practical terms, you’re using equity in your property to access funds quickly, with the goal of fixing the immediate arrears problem and buying time to execute a cleaner, longer-term outcome.
In a mortgage arrears clearance scenario, the purpose is usually straightforward:
- Clear outstanding arrears (and sometimes fees/penalties) so your existing lender stops progressing enforcement
- Reset the relationship and open breathing room for a refinance, sale, or cash flow event
- Avoid the compounding costs and stress that come with drawn-out arrears management
Benefits of Caveat Finance for Mortgage Arrears Clearance
Used correctly, caveat finance can be the difference between a controlled turnaround and a forced outcome.
- Speed when it matters: a fast solution for an emergency timeline, including urgent settlement needs
- Keeps control in your hands: clearing arrears early helps prevent escalation from existing mortgage lenders
- Short-term by design: it’s a bridge, not a long-term mortgage replacement
- Flexible structure: can be shaped around your exit strategy (refinance, sale, business cash event)
- Larger funding capacity where supported by equity: you may be able to borrow up to $10 million
The point isn’t to “paper over” a problem. It’s to create time to execute a sensible plan—without the pressure of enforcement driving the outcome.
Why Borrowers Come to Secured Lending for Arrears Clearance
If you’re reading this, you likely don’t need a lecture on finances. You need certainty, speed, and a lender who understands how arrears escalate in the real world.
Secured Lending is a non bank business lender and private lender in Australia, operating Australia wide across Sydney, Adelaide, Melbourne, Brisbane, Perth, Gold Coast, Canberra. We focus on short-term, property-secured solutions that prioritise timing and execution.
When arrears are involved, your window to act can be tight. Our role is to review your scenario quickly, confirm what’s possible, and arrange a path to settlement that clears the arrears before the situation worsens.
How We Structure a Caveat Loan to Stop Escalation
Clearing arrears is not just about paying an amount. It’s about sequencing, documentation, and settlement coordination so your existing lender receives cleared funds promptly and the matter de-escalates.
At Secured Lending, we typically work through:
- A rapid review of the arrears amount and the urgency of the timeline
- A property and equity assessment to confirm viable loan sizing
- A clear exit plan, because caveat loans are short-term by nature
- Settlement coordination so funds land where they need to land, on time
This is where experience matters. We’ve supported borrowers through urgent settlement deadlines and time-sensitive pay-outs where delays would have triggered additional enforcement steps.
Speed and Certainty When Time Is the Constraint
In arrears clearance, days matter. Sometimes hours matter. If you need fast, same day settlement, that depends on the details and readiness of the file, but we prioritise speed and decisive communication. In many cases, we can aim for funding within 24 hours, subject to assessment, due diligence, and settlement logistics.
This is often what separates a workable solution from a spiralling one: getting the arrears cleared before the lender moves further down the enforcement path.
Loan Features You Can Expect with Secured Lending
Every file is different, but the lending conversation should be plain and direct.
With Secured Lending caveat finance, you can expect:
- Short-term secured business loan backed by property
- A focus on urgent settlement and arrears clearance outcomes
- Pricing that may start from an interest rate starting at 9.2% p.a, depending on risk and structure
- A practical approach for borrowers who need an emergency solution without bank timelines
We won’t waste your time with vague maybes. We’ll tell you what’s achievable, what it costs, and what we need to move.
What Makes a Strong Mortgage Arrears Clearance Application
Arrears clearance funding is most effective when it’s paired with a clear next step.
The strongest scenarios usually include:
- Clear evidence of the arrears amount and what’s required to bring the loan back into order
- Sufficient equity in residential or commercial property
- A credible exit strategy (refinance, sale, settlement proceeds, business cash event)
- A plan to prevent re-arrears, even if it’s as simple as timing the bridge to a known liquidity event
FAQs
Will a caveat loan stop my bank from escalating enforcement?
Clearing the arrears can prevent escalation from existing mortgage lenders, but outcomes depend on your lender’s process and timing. The practical goal is to bring the account back into order quickly so enforcement action is less likely to progress.
How fast can Secured Lending settle an arrears clearance caveat loan?
If your file is ready and the path is clear, we can work toward fast, same day settlement in some cases, or funding within 24 hours where feasible. Timing depends on due diligence and settlement coordination.
Can I use this if I’m self-employed or my income is irregular?
Often, yes. Caveat loans are generally more focused on property security and equity than traditional servicing metrics, but we still assess the full scenario and the exit plan.
How much can I borrow for mortgage arrears clearance?
Subject to equity and assessment, you may be able to borrow up to $10 million. The amount must make sense relative to the property and your planned exit.
What can the funds be used for besides the arrears?
Commonly, funds can cover arrears and related settlement requirements. If there are other urgent obligations tied to stabilising your position, that can be discussed as part of the structure.
Is Secured Lending a bank?
No. Secured Lending is a non-bank lender and Private Lender in Australia, operating Australia wide, including Sydney, Adelaide, Melbourne, Brisbane, Perth, Gold Coast, Canberra.
How We Can Help
If you need a controlled, fast path to a mortgage arrears clearance, Secured Lending can review your position, confirm the numbers, and structure a caveat loan that clears arrears to prevent escalation from existing mortgage lenders. We’ve facilitated over 500 strategic commercial loans, and we know how to coordinate urgent settlement when timing is tight. 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.
