Finance · Australia
Caveat Loan Refinance & Take-Out Australia
Refinance maturing caveat loans and 2nd-mortgage private credit into longer-term bank or non-bank facilities.
Quick answer
A caveat loan refinance replaces an expensive short-term caveat (2nd-mortgage) facility with a longer-term, lower-rate bank or non-bank loan. OzyLoans settles caveat take-outs across Australia in 2–4 weeks, typically saving 2–6% p.a. in interest.
Why Caveat Loan Refinance with OzyLoans
- Settle in 2–4 weeks
- Save 2–6% p.a. interest
- Bank & non-bank panel
- Distressed scenarios accepted
Repayment calculator
Indicative only. Actual repayments depend on lender, credit profile, fees and product. Use this as a starting point — we'll provide a precise comparison on enquiry.
Funding classes
| Funding class | Typical use | Indicative speed |
|---|---|---|
| Major bank | Lower-cost long-term debt where policy and servicing fit | Typically several weeks |
| Second-tier bank | Broader credit appetite than some major banks | Often a few weeks |
| Non-bank | Flexible servicing and property assessment | Often faster than banks |
| Private credit | Speed and flexibility for complex or time-critical scenarios | Can move quickly, subject to due diligence |
General guidance only — not current pricing or a lender offer. Actual rates, leverage, documentation and timeframes vary by lender, security, borrower profile and transaction, and are confirmed on assessment.
ACL #485752
Australian Credit Licence holder, AFCA member.
24-hr indicative
Most enquiries get a same-day or next-day answer.
Banks, non-banks & private
Banks, non-banks and private credit on one panel.
Frequently asked
What is a caveat loan refinance?+
It's refinancing a short-term caveat (second-mortgage) private loan into a longer-term first-mortgage facility with a bank or non-bank lender at a lower rate.
Why are caveat loans so expensive?+
Caveat loans are short-term (typically 1–12 months), unregistered second-mortgage facilities. Rates of 12–24% p.a. plus fees are common because of the speed, lower security and short tenure.
How fast can OzyLoans refinance a caveat loan?+
Non-bank take-outs settle in 2–3 weeks; bank take-outs in 4–6 weeks. We provide indicative approval within 48 hours.
Related finance
Ready to explore caveat loan refinance?
Our finance professionals review your requirements and objectives and discuss the options worth pursuing with you.