Short Term Property Loans

We empower individuals and businesses to survive challenging economic times with our short term property loans in Australia. Secure a short-term property loan for your business with no doc and low doc. We pride ourselves on our efficient approval process, with decisions made on the very same day with competitive rates starting at just 0.45% per calendar month (PCM). Don’t let financial challenges hold you back – partner with Basic Finance for a brighter future.

No Doc and Low Doc Property Loans

Financing as Low as 0.45% PCM

Same Day Approvals for Most Applicants

No Hidden Fees

Hassle Free Process

Serving Since 2001

Lending All Across Australia

We know what it takes to help you get your finances back on track. We offer flexible terms and can assist with short term property loans.

At Basic Finance, we specialize in providing tailored short term property loans for Australians seeking a flexible financing solution. These loans, often referred to as ‘Bridge Loans’, are designed to support your financial needs while you work towards growing your business, refinancing, purchasing investment properties, or settling outstanding debts.

As the name suggests, short-term property loans offer a temporary financial solution, bridging the gap between acquiring new real estate and settling related financial obligations. Suppose you require immediate access to funds to cover mortgage payments, bills, or other debts. In that case, our short term loans offer a more efficient alternative to conventional methods like credit cards or personal lines of credit.

We understand that not everyone has a perfect credit history. But that shouldn’t stop you from getting the financial assistance you need. Our short term property loans cater to individuals with diverse credit backgrounds, empowering you to regain control of your finances.

With competitive plans starting from just 0.45% PCM, we provide an affordable option for all Australians needing financial support, whether it’s for purchasing a dream home or renovating their current one.

We’ve streamlined the application process, offering an online form and round-the-clock customer service to address your needs promptly. We serve in Queensland, New South Wales, and Victoria. Popular cities we serve include Melbourne, Adelaide, Sydney, Perth, and Brisbane. Let Basic Finance help you achieve your financial goals – contact us today!

How do Short Term Property Loans Work in Australia?

In Australia, short term property loans offer a flexible financing solution for periods of up to 10 years, secured against existing real estate assets. These loans serve various purposes, such as funding property renovations, repairs, or acquisitions, and can also provide a viable refinancing option for consolidating debts into a single, manageable monthly payment.

To obtain a short term property loan in Australia, it is advised to approach a private lender. Applicants should have a solid credit score and steady income, along with a minimum deposit of 10%, which can be sourced from a bank, family, friends, or government assistance. Lenders will also ensure that you have sufficient insurance coverage to protect your investment and avoid additional financial burdens in case of unforeseen circumstances.

As financial specialists in Australia, we have a deep understanding of short term property loans and can help you find the best options to meet your specific needs. With our knowledge and experience, you can easily navigate the ins and outs of this type of loan and make a smart decision that supports your financial needs.

Criteria for Short Term Property Loans

The key criteria for securing a property loan:

  • Applicants must be at least 18 years old.
  • Applicants must be Australian residents.
  • A favourable credit history is essential for loan approval.
  • Your income and assets should adequately cover the desired loan amount and the applicable interest rate.
  • A deposit is necessary, with a specific amount depending on the loan type – investment property or residential property.
  • For investment properties, the deposit must exceed 10% of the borrowed amount.

For instance, if you’re borrowing $100,000, you’ll need a minimum of $10,000 as security. This deposit can originate from your personal savings or an authorised third party.

It’s crucial to review these requirements before applying for a property loan with private lenders in Australia to ensure a smooth and successful application process.

What are the Benefits of Short Term Loans Secured Against Property?

Short-term loans secured against property come with several notable benefits:

  • Rapid debt clearance: Compared to longer-term loans, you’ll be debt-free sooner.
  • Lower interest payments: You’ll pay less interest overall than with longer-term loans on similar terms.
  • Competitive interest rates: By using the property as security, you can secure better interest rates, making a significant difference in your repayments.

Choosing a private lender for short-term loans offers additional advantages:

  • Lenient lending criteria: Private loans often have a faster application and approval process, even for those with poor credit histories.
  • Customized terms: Private lenders can offer more adaptable terms and conditions tailored to your needs.
  • Swift and convenient financing: Short term property loans offer a quick and easy financing solution without the need to sell your home or refinance.
  • Flexible repayment: With no long-term commitment, these loans can be repaid efficiently over a shorter period.
  • Minimal fees: Short-term loans typically have fewer associated fees, making them more cost-effective.

Making Your Future Our Business!


With flexible options up funding is possible in 24 hours


Common sense credit approval process. Fast and fuss free funding on your terms


No hidden fees and or charges. Clear & upfront pricing

What Can You Use Short Term Property Finance For?

Short-term property finance can be utilised for a diverse range of business purposes, including:

  • Working capital: Gain access to funds for daily operations, such as purchasing stock, procuring equipment, paying builders or contractors, or clearing outstanding debts.
  • Cash flow management: Tackle cash flow timing challenges that can jeopardise business success. Short-term property finance assists you in overcoming temporary financial setbacks.
  • Seizing urgent opportunities: Secure financing for time-sensitive situations, like buying larger business premises while awaiting the sale of your current location (bridging loan).
  • Property development and renovation: Acquire the necessary funds for property upgrades, refurbishments, or new construction projects, enhancing your property’s value and functionality.
  • Emergency expenses: Deal with unexpected costs or sudden financial needs without disrupting your ongoing business operations or long-term financial plans.
  • Business expansion: Facilitate business growth by using short-term property finance for acquisitions, mergers, or launching new products and services.

Short term property loans also serve as an effective means to refinance high-interest debts, such as credit card balances or personal loans, providing potential savings and increased financial flexibility.

Trusted Short-Term Property Lender in Australia

We are a team of dedicated financial experts committed to providing tailored solutions to meet your unique needs. With our extensive knowledge of the Australian market, we ensure that you receive competitive rates and flexible terms designed to support your financial goals. Our client-centric approach prioritises your satisfaction, and our streamlined application process guarantees a hassle-free experience. Trust us to be your reliable partner, we will not disappoint you. We ensure a smooth and stress-free loan experience.

Residents in Australia opt for short term property loans for several financial means. Those loans are designed for individuals who need funds for a short period and have limited options to borrow money. Interest rates on such loans vary based on the loan duration, credit history, and the borrower’s financial standing, typically ranging from 0.45% to 0.75% PCM.


Same days approval services across Australia including Victoria, New South Wales, and Queensland. Our popular city-based loans are:



Basic Finance exceeded expectations with their swift loan approval process, low rates, and hassle-free experience. Their professionalism and expertise made securing a short-term property loan in Australia a breeze. Highly recommended for investors seeking efficiency and transparency.

Jack Harrison

Owner, Elite Living Spaces

Case Study: Short-Term Finance for Property Development in Melbourne

This case study is about a builder client who acquired a short-term loan through us to buy additional land in Melbourne. The bank advised our client that he does qualify for a short-term mortgage, given his current financial position. But the client desperately needed $600,000 to purchase additional land for his project.

The property developer (our client) did not lose hope and came straight to us. We connected him with a private lender who offered him a loan against one of his properties. He agreed to the offer. We helped him fill in the necessary documents, and the payment was in his bank account within two days. The client utilized this loan to complete his project,t and itwase a big success for their business.

Case Study: Short-Term Property Loan for Business in Sydney

One of our clients is running a flourishing Australian construction business in Sydney. The owner of the business owns a property. The business needed a short-term loan of $300,000 to help it through its cash flow problems. But the company was unable to get funding from its bank. The business only had $50,000 in the bank now and had to borrow money within a week—and that is when they came to us.

We connected him to a suitable private lender that instantly agreed to offer $250,000 against the property. Our client accepted the offer and we took care of all the paperwork. He got the $250,000 in his business account within a few days. He was able to hire the staff and get the equipment needed to complete the major project. This deal helped him to take his business to another level.

Frequently Asked Questions (FAQs)

What is a short-term property loan?

A short-term property loan is a financing solution with a term of less than 12 months, similar to a mortgage. The lender does not use your property as collateral, but you may need to provide equity to qualify. Lenders typically require at least 20% equity for approval. This type of loan can be used for debt consolidation, home improvements, or other short-term financial needs.

Who offers short-term property loans in Australia?

In Australia, private lenders predominantly offer short-term property loans. However, longer-term options are available for those who prefer to finance their property purchases with cash upfront and repay the funds over an extended period.

Are payday loans the same as short-term loans?

In Australia, short-term loans are often referred to as payday loans. They are popular for addressing emergency expenses and short-term financial requirements.

What is the procedure to apply for a short-term property loan?

To apply for a short-term property loan in Australia, follow these steps:

  • Research and identify a lender that provides short-term loans online, taking into account their offered products and services.
  • Complete the application form, providing accurate personal and bank account details to prevent delays in processing your loan request.
  • Once your application is approved, the lender will inform you of the loan amount they are willing to provide.

Do I need to be a permanent resident to apply for a short-term loan in Australia?

No, permanent residency is not required to apply for a short-term loan in Australia. You must demonstrate property ownership and have resided there for at least three months before applying.

Can I get a loan from multiple lenders?

Applying for loans from multiple lenders is possible, but it is advisable to choose a single lender to secure better rates.

Is it safe to take a short-term property loan?

Short-term property loans in Australia are safe, as lenders must comply with stringent regulatory requirements and lending guidelines. If you struggle with repayments, lenders will work with you to resolve any issues, providing adequate time for repayment.

How do I get a short-term property loan?

Short-term property loans are available from both banks and private lenders in Australia, and ultimately, the decision on which to choose is yours.

What happens when I take out a short-term property loan?

After submitting your short-term property loan application, the lender will review it and contact you within 24 hours with their decision. If approved, your loan will be processed, and you will receive email confirmation once everything is finalised.

What is the minimum interest rate offered on a short-term property loan?

Short-term property loans carry interest rates of less than 4%. The loan’s duration can vary, generally ranging from 12 to 60 months, depending on the lender.

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