Short-Term Property Loans

Flexible property funding for a defined period.

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Short-term property loans give you fast, flexible funding for a defined period, structured around a clear purpose and a clear exit.

What is a short-term property loan?

Short-term property loans are designed for borrowers who need quick access to capital for a defined period. These loans can be used for a range of purposes, including working capital for your business, property renovations or developments, capitalising on time-sensitive investment opportunities, or refinancing existing high-interest debt. They are short-term by nature, typically repaid within 12 months.

How do short-term property loans work?

Short-term property loans are commonly secured by a caveat or mortgage registered against your property with the land titles office. The security is registered while the loan is in place and released once the loan is repaid in full.

This lets funding be arranged quickly while giving the lender comfort over the asset for the term of the loan.

Common uses

Benefits

Fast funding decisions

Built for borrowers who need a quick answer.

Flexible terms

Loan terms set for a defined period.

Tailored structures

Shaped around purpose and exit.

Private lender access

For deals banks will not fund short-term.

How the process works

A clear path from your first enquiry to funded.

Setting up your loan
01

Submit your scenario

Tell us the property, the purpose and the amount you need for the term ahead.

02

We match a lender and issue terms

We match a lender suited to the term and your exit, and come back with indicative terms to review.

03

Documentation and settlement

A caveat or mortgage is registered as security, documents are prepared and the facility settles.

Repaying your loan
01

Make your repayments

You service the loan on the agreed terms for the short term of the facility.

02

Repay from your exit

Repay the loan from your sale, refinance or planned exit when the term ends.

03

Security released

On full repayment the caveat or mortgage is released and the title is clear.

FAQs

Common questions

Answers to the questions we're asked most often.

These loans suit business and investment borrowers: property investors, developers and business owners funding a business or investment purpose. We focus on the security property and your plan for the funds, with weight on the asset and a clear exit.

Both residential and commercial property can be used, including houses, apartments, retail, industrial premises and, in many cases, land. Tell us what you own and we will confirm whether it fits.

Three things matter most: a valuation of the security property, a clear use for the funds, and a credible repayment or exit plan. With those in place, approval is usually straightforward.

Fast. Short-term loans are built for speed, and genuinely urgent deals can be fast-tracked once the valuation and documents are in order.

Why source through Property Funding Co.

We structure finance around the asset and the exit, not a rigid credit box.

Access to multiple funding sources

Non-bank lenders and private capital providers, not one balance sheet and not one set of rules.

Specialist property expertise

We structure funding around the asset and the exit, by people who understand property.

Fast turnaround times

Built for borrowers who need certainty and speed when an opportunity will not wait.

Tailored funding structures

Solutions shaped to your scenario, not forced through rigid bank criteria.

Related funding solutions

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Tell us about your scenario.

Share the deal and we'll come back with indicative terms, usually within 24 hours. Prefer to talk? Call us directly.

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  • Personalised solution
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  • No credit checks

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Thanks, we've got your enquiry.

A specialist will contact you as soon as possible. Prefer to talk now? Call 1300 986 166.

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