Caveat loans in Melbourne, settled in 48 to 72 hours.
A caveat loan is the fastest form of property-secured funding available in Victoria. The facility is secured by a caveat lodged with Land Use Victoria over property you already own, which registers the funder's interest without refinancing the existing first mortgage. Envision Private arranges caveat facilities across Melbourne — the CBD and inner city, inner east and south east, bayside, the north, the west, Dandenong and the outer growth corridors, plus Geelong and regional Victoria. Facilities are arranged on behalf of wholesale investors, sophisticated investors and family offices, are business purpose only, and Envision Private is not an NCCP-regulated lender.
When it makes sense
- A Victorian settlement or auction date that will not wait for a bank
- ATO, payroll or supplier pressure on a Melbourne business
- Completion funding while another Melbourne property is sold
- Bridging a construction drawdown or planning milestone
- Refinancing an expiring or defaulting private facility
- Short-term working capital against Melbourne commercial equity
Indicative loan parameters
| Location | Greater Melbourne, Geelong and regional Victoria |
| Loan size | $50,000 – $5,000,000+ |
| Security | Caveat over Victorian real property |
| Term | 1 – 12 months |
| Speed | Terms in 24 hours, settlement in 48–72 hours |
| Documents | Title search, ID, purpose and evidence of exit |
How the process works
- Snapshot — property, existing debt, amount required and exit.
- Title search — Victorian title reviewed for encumbrances and caveatable interest.
- Indicative terms — written pricing and conditions within 24 hours.
- Documents and caveat — security signed and the caveat lodged with Land Use Victoria.
- Funding — funds advanced, typically within 48–72 hours.