Document the exact amount, purpose, deadline and consequence if the transaction does not proceed.
Short term property loans Australia · business purpose only
Short-term property loans and mortgages in Australia
Structured business finance for working capital, urgent settlement, acquisition, refinance and project costs—designed around the immediate requirement, available property equity and a credible repayment exit.
Direct scenario assessmentFirst, second and alternative structures consideredAustralia-wide enquiries
Indicative maximumUp to 80% LVR*
Loan amountAssessed case by case
Eligible securityAustralian property
Core requirementCredible repayment exit
A disciplined bridge
Short-term finance should solve a timing gap with a defined endpoint.
The facility is secured by acceptable property and sized against lender-approved value, existing debt, ranking, interest treatment and exit risk.
Term follows the plan. The appropriate duration depends on the realistic time required to refinance, sell, complete works or receive verified proceeds. No universal term or settlement timeframe applies.
Show title, accepted value, existing mortgages, payout figures, priority and available equity.
Confirm whether interest is serviced, prepaid or capitalised and how fees affect net proceeds.
Support the primary exit with evidence and a second pathway if timing, value or market conditions change.
Capital with a defined job01 02 03 04 05 06
Where short-term property finance may help.
Working capital
Support stock, payroll, contracts, seasonal cash flow or a defined operating requirement.
Urgent settlement
Bridge an eligible purchase, settlement shortfall or purchase-before-sale timing gap.
Refinance and restructure
Replace maturing or unsuitable business debt and create time for a sustainable solution.
Acquisition opportunity
Support an eligible business or commercial property purchase where timing matters.
ATO and business liabilities
Address eligible obligations with a documented use of funds and credible repayment plan.
Project and completion costs
Fund eligible consultants, approvals, works or completion while the longer-term exit develops.
What lenders assess
Security supports the loan. The exit makes it short term.
- Property type, location, title, condition and accepted value
- Existing mortgages, caveats, priorities and payout figures
- Requested amount, total exposure and proposed LVR
- Borrower, guarantor and genuine business purpose
- Credit position, capacity and interest treatment
- Refinance, sale or verified proceeds exit with contingency
Possible pathwaysTiming bridge Debt transition Business execution
Match the structure to the problem and the exit.
Settlement and purchase-before-sale
Short-term finance may bridge a business-purpose acquisition or settlement while another property sale or refinance completes.
- Contract and deadline evidence
- Net sale proceeds or refinance exit
- Contingency for delay or lower value
Refinance and turnaround
A short-term facility may replace maturing or unsuitable debt while the borrower completes a defined refinance, sale or business plan.
- Current payouts and arrears disclosed
- Total cost compared with alternatives
- Milestones monitored through the term
Working capital and projects
Property equity may support a commercial requirement where the use of funds and proceeds pathway are clear.
- Evidence-led business purpose
- Interest provision or serviceability
- Verified repayment event
Compare the structures
Short-term mortgage, bridging loan or caveat loan?
The right label is less important than matching the security, timing and credible repayment exit to the transaction. The final structure depends on the predominant loan purpose, title position, lender criteria and legal advice.
| Structure | Typical role | Security focus | Repayment exit |
|---|---|---|---|
| Short-term mortgage | Property-backed acquisition, refinance, settlement or eligible business working capital. | Property value, title, equity, borrower profile and repayment capacity. | Refinance, sale or another verified source of funds. |
| Bridging loan | A temporary funding gap between an immediate transaction and a known future event. | The net position across relevant property, existing debt and transaction costs. | Property sale, longer-term refinance or verified proceeds. |
| Caveat loan or second mortgage | Short-term funding where another security interest may remain, if legally and commercially appropriate. | Priority, consent, combined leverage, available equity and enforceable security. | A defined near-term refinance, sale or business cash event. |
Time-critical settlement? See our urgent property settlement finance pathway. Product names and security methods vary between lenders; a lender and its solicitor determine the available structure after assessment. For a detailed comparison, read Short-Term Property Finance Australia: Mortgage, Bridging and Caveat Loans Explained.
Beyond the headline rate
Assess the total cost and the cost of delay.
For worked examples and questions to ask before applying, read our short-term property loan costs and application checklist.
| Cost or condition | What to confirm | Why it matters |
|---|---|---|
| Interest | Rate basis, calculation method, payment timing and whether interest is capitalised | Capitalised interest reduces net proceeds and increases end debt. |
| Establishment and lender fees | Amount, timing and whether fees are deducted or added to the facility | Net funds may be lower than the approved amount. |
| Valuation and legal costs | Who appoints advisers, when costs are payable and whether abortive costs apply | Costs can arise even if the loan does not settle. |
| Default and extension terms | Default rate, events, extension availability, fees and new conditions | A delayed exit can materially change the total repayment. |
| Exit costs | Discharge, refinance, sale costs and any minimum-interest provisions | The full exit amount determines whether the strategy remains viable. |
Priority workflowStep 01 Step 02 Step 03 Step 04
From immediate need to a controlled exit.
Scenario triage
Purpose, amount, timing, property, existing debt and intended exit.
Security and exit map
Value evidence, ranking, equity, term, milestones and contingency.
Lender assessment
Fit, leverage, total cost, conditions and documentation path.
Approval to funding
Valuation, due diligence, legal documents and cleared conditions.
Short-term property loan markets
National capability. Market-specific pages.
Dedicated information for major markets, with each scenario assessed on its own security and exit.
Prepare once
Documents commonly requested.
- Borrower and guarantor details
- Business-purpose declaration
- Property and title information
- Existing loan statements
- Mortgage payout figures
- Use-of-funds evidence
- Valuation or market evidence
- Financials where relevant
- Contracts and settlement statements
- Sale or refinance evidence
- Project budget or invoices
- Exit and contingency plan
Frequently asked questions
Short term property loan FAQs.
What is a short term property loan?
It is property-backed finance for an eligible business purpose with a defined facility period and repayment exit. It may support working capital, settlement, acquisition, refinance or projects, subject to lender assessment and legal documentation.
What LVR is available?
Up to 80% LVR may be considered for eligible scenarios, but the actual maximum depends on accepted value, property, location, ranking, existing debt, interest treatment, borrower, purpose and exit.
How long is short term?
The appropriate term is set by the realistic time required to complete the exit. Terms vary by lender and scenario. The facility should include milestones and enough contingency for delays rather than relying on an arbitrary duration.
How quickly can funding settle?
Timing depends on complete documents, valuation, title and priority checks, lender approval, legal work and cleared conditions. No approval or funding timeframe can be guaranteed.
Can bad credit, arrears or ATO debt be considered?
Potentially, with full disclosure. The lender considers the cause, current position, security, total exposure, purpose and whether the new facility supports a credible exit.
What if the enquiry is for a consumer or owner-occupied purpose?
Basic Finance Loans focuses on eligible business-purpose and corporate-borrower investment scenarios. If an enquiry is for personal, domestic or household purposes or owner-occupied property, we may—with your consent—introduce you to a separate provider that holds the required Australian credit licence or is otherwise legally authorised. That provider will conduct its own assessment. Basic Finance does not provide, recommend or assess regulated consumer credit, and an introduction does not imply approval. We will disclose any referral benefit or commission before sharing your contact details.
Start with six facts
Purpose. Amount. Deadline. Security. Debt. Exit.
Share those facts so we can identify the evidence required for a meaningful short-term property finance assessment.
Call: 0439 462 664
Email: info@basicfinanceloans.com.au
Discuss your short-term property finance.
Use our contact form to share the property location and value, existing secured debt, funding amount, business purpose, required timing and proposed repayment exit.
Continue to the contact form