Short-Term Finance

Acquire the support to expand your business opportunities and unlock growth potential with timely capital finance for businesses and property professionals. Our short-term lending solution is designed to make borrowing simpler and faster.

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Learn more

CALL US

Loan Size:

$1- $40 million

Max LVR:

70%

Lowest Rate:

8.00%

Term range:

up to 36 months

We are committed to excellence, and our market-leading turnaround means you can expect the same-day indicative offer and settle within 48 hours from valuation.

We offer utmost flexibility, whether you are looking to purchase or refinance, construct, hold residual stocks or strategies for development exit – we’ve got you covered. Our services extend to residential, commercial, and land assets.

At our core, we aim to support your cash flow. Accordingly, we let you choose between prepaid or monthly in advance interest. Get in touch with us and let us help you grow your business today!

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Please fill out the form below to request a call back.

We are proud to have assisted hundreds of people like you with the finance they need to move forward

If you need finance and fast please contact us today.

Frequently Asked Questions

What is short-term property finance?

Short-term property finance refers to the funding of property transactions for a brief period of time usually ranging from a few months to three years. This type of finance is designed to help individuals and businesses secure fast access to funds needed for property purchases, renovations, and developments. Short-term property finance can be secured against real estate assets or through unsecured loans, depending on the borrower’s creditworthiness and the lender’s requirements. While short-term property finance may come with higher interest rates, it offers flexibility and speed in comparison to traditional forms of finance, making it an attractive option for those looking for a quick injection of capital into their property investment ventures.

How does short-term property finance work?

Short-term property finance is a type of loan that is designed for property investors who need quick access to funds. Unlike traditional loans, which can take weeks or months to process, short-term finance can be approved in just a few days. Typically, lenders will require some form of security, such as a property, to guarantee the loan. The interest rates for short-term finance are typically higher than traditional loans, but this is because the lender is taking on a greater risk. Short-term finance can be used for a variety of purposes, including buying property, renovating a property or bridging the gap between property transactions. It’s important to understand that short-term finance is not a long-term solution, but can be a useful tool for investors looking to grow their property portfolio quickly.

What are the benefits of short-term property finance?

One of the most significant advantages is the speed of the process. Compared to traditional finance options, bridging finance can be arranged much more quickly, which is particularly useful for those needing to secure a property investment. Additionally, bridging finance can be flexible in terms of repayment, and the loan can be tailored to the individual’s specific financial requirements. This type of finance can also be secured against various types of property, including residential, commercial, and land, providing borrowers with more options for their investment needs. Overall, bridging finance can be a useful tool for investors seeking to take advantage of short-term investment opportunities.

How do I apply for short-term property finance?

First, you need to decide on the type of finance you want to apply for. Is it a bridging loan or development finance? Next, research finance companies to find the right lender that offers what you need. Once you’ve identified your lender, be prepared to provide them with key information about your property, including its value and the amount of money you need to borrow. The application process typically takes between 2-4 weeks with an answer in principle in as little as 48 hours. With a little bit of time and research, short-term property finance can be within your reach.

What are the eligibility criteria for short-term property finance?

In order to qualify for short-term property finance, individuals must have a verifiable source of income, a good credit score, and a solid plan for repaying the loan on time. Additionally, lenders may require a certain amount of equity in the property being financed and may also take into consideration the borrower’s experience in property development or investment. While these criteria may seem strict, they exist to protect both the borrower and the lender and ultimately lead to successful property investments.

How much can I borrow with short-term property finance?

The amount you can borrow with short-term property finance varies depending on various factors, such as the value of the property, the borrower’s credit score, and the lender’s criteria. Traditional lenders like banks typically require a favourable credit score, whilst short-term lenders may focus primarily on the security of the property, as their loans are secured against the property. It’s always in the borrower’s best interest to seek professional advice from a financial expert to ensure they fully understand their options, the risks, and potential benefits of short-term property finance.

What are the interest rates for short-term property finance?

Typically, these rates are higher compared to traditional home loans because of the elevated level of risk for lenders. The interest rates for short-term property finance can vary depending on several factors, such as the lender’s own funding cost, the borrower’s creditworthiness, the size of the loan, the length of the term, and the type of property. Despite the higher interest rates, short-term property finance remains a popular option for real estate investors who need quick funding to acquire or refurbish a property to sell or rent out. By understanding the intricacies of interest rates for short-term property finance, investors can make informed decisions that maximise their return on investment.

What are the repayment terms for short-term property finance?

Repayment terms for this type of loan will vary depending on the lender, but typically range from 3-12 months. Unlike traditional mortgages, there is often more flexibility in how the loan is repaid, with options such as monthly interest-only payments, deferred interest, or a lump sum repayment at the end of the term. It’s essential to work closely with your lender to determine a repayment plan that’s tailored to your specific needs and financial situation. With the right repayment terms, short-term property finance can provide a valuable solution for those looking to bridge the gap until permanent financing becomes available.

What are the fees and charges associated with short-term property finance?

These charges can vary depending on the lender, the amount of the loan, and the length of the loan. Some common fees associated with short-term property finance include application fees, valuation fees, arrangement fees, and exit fees. It is also important to note any penalty fees for late payments or early repayment. While these fees may seem daunting, it is crucial to factor them into your overall financial plan when considering short-term property finance options. Finding a reputable lender who is transparent about their fees and charges can make all the difference in ensuring a smooth and successful financial transaction.

What are the risks of taking out short-term property finance?

One of the biggest risks is the high interest rates charged on short-term financing. This means that if repayment is not made in a timely manner, or if the property cannot be sold or refinanced before the loan term ends, borrowers could find themselves in financial trouble. In addition, using property as collateral for these loans means there is a risk of losing the property if repayment cannot be met. It is important to fully understand the risks involved and weigh the potential benefits against them before taking out any short-term property finance.
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