1300 893 199

Fast Caveat Loans

Same Day Approval for a Fast Caveat Loan with Funds Paid in 48 Hours* up to the Available Equity in Your Property1

24 Hrs 48 Hrs
609 Google Reviews
Nicole Rumenos
Made it every easy for me and very reasonable interest if you choose to pay later
March 2023
Aleisha Puca
Completely seamless process! Highly recommend.
March 2023
Raymond John Melton
I found this Business a pleasure to deal with, professional, expedient, & simplistic. highly recommend this Business & its Services to anyone seeking assistance pre, during or post selling a property.
March 2023
Lesley Cooke
The answer to my prayers! Wanting to sell a house but not having the funds to show it off correctly was a worry. This system has allowed me to tidy up the place and market it well. Can I give six stars? Worth it
March 2023
A wonderful Company, that you can use when you don’t have any extra money coming in from rent, while in the process of selling your place. It lifts a lot of pressure off us. What a great service. Total recommend to all my friends.
March 2023
Meg G
This is a fantastic service that reduces the financial pressure of selling your home when there’s already so many expenses! Highly recommend!
February 2023
D Scotcher
Definitely helps with the cash flow when selling the house …. Fees come out of settlement funds
February 2023
Kitty Hunter
A big shout out to Mel who is an absolute delight to deal with - she's extremely knowledgeable with any queries that I have, is always prompt to respond with further information if required, and is just lovely to deal with in general.
February 2023
Troy Matheson
Great idea and helpful in tough times when so many expenses come up when selling a property
February 2023
Kristy-Lee Guazzo
Karyn at explore is efficient, responsive and delivers exceptional results. She made the process of selling our properties extremely easy.
January 2023
Casie Black
Mel, from the customer success team was nothing short of efficient. Thank you for making life easy.
January 2023
Donna Hansen Clish
These guys really go the extra mile they know what you want and make it happen. Dreams really do come true.
January 2023
Ritesh Jain
Daniel Waters is amazing. He is very knowledgeable, helpful and always ready to help. I will highly recommend his service.
January 2023
Jason Lamaro
This place has taken the stress out of the process ,i recommend these guys to anyone new to the process of selling a property
January 2023
Laura Twining
Great service, easy to use - takes the financial pressure off at an already stressful time
December 2022
Wendy Young
I’m impressed with the level of professionalism and like that I am constantly informed of what is happening
December 2022
Lilo Stadler
A well thought out service, easy to understand and use. The cost is not prohibitive. So far I cannot see any reason for not using it and I shall report again at the conclusion of the process.
December 2022
Leanne Coleman
Great system, giving option to pay advertising on settlement, smooth very easy to use!!
November 2022
Terry Mezger
Easy to use. Good repayment terms that allow for settlement terms
November 2022
Star Guo
It is a easy and quick process to arrange my marketing fees to be paid after the property is sold. Great service and very handy!
November 2022
Olimpia Chilnicean
Very professional and friendly service, doesn't waste time. Good communication
October 2022
Stephen Choy
Great service and understanding of individual circumstances to accommodate with this service for our property sales journey
October 2022
Leonie Kitchen
We have had many experiences selling property, however this is our first experience having the opportunity to defer Advertising costs. This is a good service to allow extra time and hopefully deduct costs at settlement.
October 2022
Heath Family
Makes managing payments so efficient, takes the worry out of $$ management, giving you the option to defer your payments takes so much stress out of an already hectic time... press and forget
September 2022
Kieron Gubbins
Very prompt professional service and would definitely use them again.
September 2022
Tom Morris
I used this service to pay the marketing costs of listing my property, and it was a very easy and seamless process.
August 2022
Anna Devlin
Very quick and easy to get the application approved, and one less thing to stress about when selling your home.
August 2022
Dani Evans
Such an easy, straight forward process! Super fast, we had our approval overnight, we applied outside of business hours and Sam phoned by 9am the next morning. Very simple to use interface and the links provided were very self explanatory, even gave a breakdown of fees. Sam was an absolute lovely bloke to deal with and so helpful! Cannot fault our experience and would recommend 100%
August 2022
Kim Kelly
Being able to defer payment was fantastic for us. Our campaign was able to commence immediately and our house was on the market straight away. This is certainly a bonus
July 2022
Alex Speirs
To all concerned, it's been really good working with Realty Assist, they understand that the initial outlay of selling your property can be stressful and in this day and age money can be tight for most families. Realty Assist helps reduce the stress by deferring the on costs until the property sells. Thanks for your understanding Realty Assist.
July 2022
Dellas Port
Wow! What a fantastic way to assist seller's by deferring market costs until settlement. And so easy to use. Not only do they take the financial stress out of putting your home on the market, but they will even lend you more money to fix up those little things around the house so that you can present your home in the best possible way. And again, repayment is deferred until settlement. Cannot recommend more highly.
June 2022

What are Short Term Caveat Loans?

Short term caveat loans are secured loans with a caveat lodged on the title of a property or home.

Caveat loans are short term and generally run for between one and twelve months, depending on the need.

Settlement advances offers advances similar to caveat loans in that the loan is also secured against the property, but are used only when the property is in the process of being sold, or with the intention of being sold.

Settlement Advances, Short term bridging loan terms are set up for an initial 60 day period, which may be extended after discussing your situation with us. Advances can be approved1 and paid to the vendor, usually within 24 to 48 hours.

How to Qualify for our Fast Caveat Loan Alternative?

In order to qualify for a pre-settlement advance, you must:

  • Own (or just sold) a property to be used as security, and
  • Intend to sell the property now or in the next few months (for our vendor paid advertising product), or
  • Have already had offers or unconditional offers on the property, or
  • Already sold the property, but need access to funds from the sale, before the settlement date

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Do You Qualify for a Fast Caveat Loan?

In order to qualify with Settlement Advances with your fast caveat loan enquiry;

You must:

  • Be over 18 years of age
  • Be an Australian resident or citizen
  • Own or have a mortgage on your home or property
  • Be selling( or have recently sold) your home or property
  • Be able to solve your cashflow needs with a fast caveat loan
  • Be able to repay your advance on settlement( when your property sells)

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What Can Fast Caveat Loans be Used For?

Fast caveat loans can be useful in a number of situations, where you are asset rich( in a property) and have a shortfall in cash and need access to your equity fast.

If you are in the process of selling your property, you know that when your property sells, the equity that you have built up in your property will be available to you, however if you need to make use of that locked up equity before the settlement date, a fast caveat loan may help.

Some common examples include:

  • Getting an advance prior to the property sale for essential repairs
  • Putting down a deposit on your dream property
  • Bidding at auction for your dream property
  • Completing a property purchase to an agreed date - before your sale completes

How it Works - Fast Caveat Loans

Selling or Sold Property

Selling Property
You are selling or have sold your property but you need access to some or all of the settlement funds - fast - before it settles.

Get in Touch

Get in Touch
You get in touch and let us know how much and how fast you need access to your settlement funds.

Process Application

Process Application
We review your details, process your application ASAP and keep in touch with you at every step.

Pay Settlement Advance

Pay Settlement Advance
We quickly pay your settlement advance into your chosen account, as soon as your application has been approved and you have agreed terms.

Use Advance Funds

Use Advance Funds
You use your advance to bid at auctions, put down a deposit, buy your new home, make repairs or for any other approved settlement advance purpose.

Need More Time?

Extend Advance
Your advance is set up to run for 60 days. However, if you need more time before your property settles, please contact us for assistance.

Property Settlement Completes

Settlement Completes
Your property settles and your Settlement Advance is automatically repaid out of the settlement funds.
Your Fast Caveat Loan application will take only a few minutes to complete, so you can get your funds as quickly as possible.

Compare Settlement Advances to Bridging Loans

Settlemet Advances Logo Typical
Bridging Loans
Borrow up to Available Equity1 tick cross
Same Day Approval tick cross
Typical Funding Time 24 - 48 Hours 2 - 3 Weeks
No Application or Admin Fee tick cross
One-off Credit Fee2 tick cross
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Fast Caveat Loans Calculator


Standard Rates

VIP Rates*

Example Advance up to 60 Days1

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Fast Caveat Loan Costs Chart - Examples up to 60 Days

Example Borrow Repay
Preparing for Sale Costs $10,000 $10,600
Property Advertising Costs $15,000 $15,900
Pre-Sale Property Repairs $25,000 $26,500
Deposit for New Property $80,000 $84,800
Bid at Auction for Property $150,000 $159,000
Purchase Property $500,000+ VIP Rates*

Frequently Asked Questions

What is a caveat loan?

A caveat loan is a type of loan secured against the title of your property by caveat. They are a lot simpler and faster to set up and approve than other property loans, such as mortgages or second mortgages.

In terms of priority, any first or second mortgage will take priority over the caveat.

Settlement Advances are similar to caveat loans and can be approved and set up very quickly, in some cases on the same day or within 24 hours of application.

What situations are caveat loans useful?

Caveat loans are useful in releasing the equity you have in your property quickly and usually for short term needs.

When you are considering selling or are in the process of selling your home or property, then Settlement Advances, vendor paid advertising advances are also a good option to consider, as repayment can aligned with the eventual sale of your property - or 60 day period. If you have an unconditional offer on your property or have recently sold your property, then our settlement advances are a good option to consider.

Some common use cases are listed below:

Via our vendor paid advertising advances:

  • Home renovation costs before listing the property for sale
  • Home and garden repairs and maintenance pre-sale
  • Home advertising costs to list the property

Via our settlement advances

  • Deposits on new properties
  • Bidding for properties at auction
  • Purchase a new property

Can I use a caveat loan for home renovations?

Yes you could. If the renovations are for the purpose of assisting the sale of the property, then our vendor paid advertising product could also be used.

Can short term caveat loans be approved on the same day of application?

While caveat loans are a faster solution than traditional bridging loans from the banks, they often take longer than 24 hours for the loan to be set up and the funds released to the borrower.

A faster short term solution would be a settlement advance with us, which can be used only when you intend to or are currently selling your existing property. We have provided funds to borrowers on the same day of application, when the funds have been needed in an emergency, such as bidding on a new property at auction. If the funds are urgently needed, we will need some documentation from you, to ensure the process goes smoothly.

Examples of documentation required:

  • Contract of Sale - (if applicable) for the property you are selling or advancing against
  • Mortgage Statement - PDF document issued by your mortgage provider
  • Solicitor or Conveyancer - (if already arranged) their name, company and contact details
  • Identity Verification - A clear, colour photo of the front and back of your Driver's Licence

Are there any fast second mortgage options?

While second mortgages are often faster to set up than first mortgages, a faster solution would be a pre-settlement advance, which can be approved on the same day you apply and funding often within 24 hours to 48 hours, when needed fast.


How long does the application take?

The Settlement Advances application is fast, and should only take a few minutes.

We do not ask any unnecessary questions, and only need your contact details, the property selling or sold, the purpose and amount of the advance and how much and how long you need it for. This allows us to understand your needs and what is required from you, in order to make sure you have the right product, to answer any questions you may have and to help you complete your advance with us, as quickly as possible.

How much could I borrow with a caveat loan?

The amount you will be able to secure by caveat will depend on the equity available to you, in your property. With Settlement Advances, we can advance up to 80% of your available equity1.

How much will settlement advances' solution cost me?

This will be dependent on the amount you borrow and how long it is needed for. See the Repayment Costs Chart for some examples.

Also see our Costs and Charges page for our loan calculator.

When do I have to repay my advance with settlement advances?

All advances taken out with us, are for when the borrower is in the process of selling their property; the repayment will generally conclude, when the property or home sale completes. Our advances are set up for an initial period of 60 days, which is enough time in most cases. However if a longer period is needed, let us know and we can advise on a case by case basis.

What documents or details will I need to provide?

These will depend on the status of your property and whether you are preparing to sell, or have an unconditional offer on the property. See some common documents we require, as below:

  • Contract of Sale - (if applicable) for the property you are selling or advancing against
  • Mortgage Statement - PDF document issued by your mortgage provider
  • Solicitor or Conveyancer - (if already arranged) their name, company and contact details
  • Identity Verification - A clear, colour photo of the front and back of your Driver's Licence

How can I speed up my caveat loan application for approval and funding?

To help speed up your application, complete the short enquiry form above, which should only take 3 or 4 minutes, give us your advance details (make sure to select '24 hours'), contact details and property details straight away. We will give you a call back, so be ready to accept a phone call from us or give us a call directly to 1300 893 199, during office hours.

Does my home need to be appraised for a settlement advance?

SettlementAdvances.com.au works a little differently than bridging or caveat loans and we do not require any property appraisal, which would slow down the approval and funding process.

  • For pre-sale preparations, we can generally lend up to $50,000 (in some cases) for repairs and property advertising and listing costs
  • From unconditional offer to settlement, we can lend up to your available equity in your property1

Can I use a caveat loan to buy a property before my house sells?

Caveat loans generally have to be repaid in full, before the caveat is removed from the property title, for the property to sell, so they may not be the best solution in this situation. Settlement advances are set up to help in this situation. They can allow you to purchase a new property, before your current home sells, which are then repaid in full, when your current property finally sells.

Also see our relocation home loans page for more details.

Should I sell my home or buy a new home first?

This will depend on a careful look at your financial situation and needs. To help simplify the question, it is possible to both sell and buy, at the same time.

Settlement advances offer a solution, allowing you to purchase a new property, when your current property has an unconditional offer, but may take weeks for that to proceed through to settlement.

During the waiting time, you may find a new property that you would like to put down a deposit on or purchase outright. In these situations, a settlement advance can give you quick access to the cash you need, in order to make the offer and purchase the property.

How do I get a second mortgage loan for property repairs before I sell my home?

Settlement Advances (via our vendor paid advertising advances) can help with pre sale costs for repairs, renovations or even cover the advertising fees involved when listing your property.

How long is a settlement advance loan for?

Settlement advances are set up for an initial 60 day loan period, which may be extended1, when the settlement date has not been reached.

Can I get a caveat loan with a bad credit history?

Yes, it is possible as caveat loans are secured against the equity you have in your home or property.

What parts of Australia do Settlement Advances cover?

We cover every state in Australia. If your property is in Australia, we are able to provide a settlement advance option, when you have a qualifying property.

Also See:

Bridging Loan Alternatives - Our settlement advances are a great alternative to bridging loans, when you need access to some or all of the property sale funds quickly and only for a short time.

Short Term Bridging Loans - Settlement advances are a type of short term bridging loan or a bridging loan alternative.

Relocation Home Loans - Relocation home loans are a type of short term bridging loan, for homeowners who are in the process of selling their property.

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