Caveat loans in Sydney, funded in days not weeks.
Sydney is the deepest private credit market in Australia, and caveat lending is the fastest product in it. A caveat is lodged with NSW Land Registry Services over property you already own, giving the funder a registered interest without refinancing the first mortgage behind it. Envision Private arranges caveat facilities over property across Greater Sydney — the CBD and fringe, the eastern suburbs, inner west, north shore, northern beaches, Parramatta and Western Sydney, the Hills, south west growth corridor, Sutherland Shire and the Central Coast. 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 Sydney settlement or auction deadline that cannot move
- GST, ATO or trade creditor pressure on a Sydney business
- Deposit or completion funding while an existing property sells
- Bridging a Sydney development approval or construction drawdown
- Paying out a defaulting or expiring facility while a refinance completes
- Short-term working capital against Sydney commercial or industrial equity
Indicative loan parameters
| Location | Greater Sydney, Central Coast and regional NSW |
| Loan size | $50,000 – $5,000,000+ |
| Security | Caveat over NSW 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 address, existing debt, amount required and exit.
- Title search — NSW title reviewed for encumbrances and caveatable interest.
- Indicative terms — written pricing and conditions within 24 hours.
- Documents and caveat — security documents signed and the caveat lodged.
- Funding — funds advanced, typically within 48–72 hours.