What is refinancing a private loan or caveat?

Refinancing involves replacing an existing private loan, second mortgage, or caveat loan with a new facility that offers better terms, such as lower interest rates, extended repayment periods, or more flexible conditions. This can help avoid default, preserve equity, and provide additional time to complete a project or exit strategy.

Who is eligible for refinancing?

Eligibility includes borrowers with expiring private loans, high-rate loans seeking better terms, those facing legal action or enforcement, individuals needing more time to complete a sale or development, or those under pressure from the ATO or creditors. Assurity Capital offers fast, asset-backed refinancing solutions tailored to your situation.

What are the loan terms and requirements?

Loan terms range from 3 to 24 months, with options for capitalised interest or prepaid terms. Flexible repayment structures, including interest-only options, are available. No credit scoring is required; assessment is based on asset value and exit strategy.

How quickly can I get approved?

Assurity Capital offers fast conditional approvals within 24–48 hours, with settlements typically occurring within 3–5 business days, depending on the scenario.

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Refinancing other Private Lenders or Caveats Holders

Fast Refinance Solutions When Your Loan Is Expiring or Too Expensive

At Assurity Capital, we specialise in helping borrowers refinance out of existing private loans, second mortgages, or caveat loans — quickly and with minimal fuss. Whether you're approaching maturity, facing pressure from your current lender, or simply paying too much, we can provide a fast, asset-backed refinance solution tailored to your situation.

Why Refinance a Private or Caveat Loan?

Many private loans are designed to be short-term and come with:

High interest rates
Large balloon repayments
Strict repayment deadlines
No extensions
Enforcement risk if terms are breached

If you're unable to repay on time or need better terms, refinancing can help avoid default, preserve equity, and give you time to complete your project, exit strategy, or next step.

Assurity Capital Offers:

Fast turnarounds – decisions within 24–48 hours
Refinance of 1st, 2nd mortgages, or caveats
Short-term to medium-term options (3–24 months)
Capitalised interest or prepaid options available
Flexible repayments or interest-only terms
No credit scoring – based on asset and exit

Common Scenarios We Refinance

Expiring private loan or caveat that needs urgent repayment
Replacing a high-rate loan with better terms
Avoiding legal action or enforcement
Need more time to complete a sale or development
ATO or creditor pressure alongside existing private debt
Refinancing where banks have declined support

What We Need

Brief scenario of the loan
Current lender details (amount, security, expiry)
Security property details and estimated value
Exit strategy (e.g. sale, refinance, business cashflow)

We're flexible, solution-focused, and fast. We can often settle deals in as little as 3–5 business days, depending on the scenario.

Example Refinance Deal

Location: Sydney, NSW
Loan: $420,000 refinance of caveat loan
Security: Residential investment property (unencumbered)
Purpose: Repay aggressive caveat lender + fund subdivision costs
Timeframe: 4 business days
Outcome: Client avoided enforcement and unlocked equity

Work with Assurity Capital

We work with:

Borrowers needing fast solutions
Brokers representing clients with private loan pressure
Legal or accounting professionals assisting clients in distress

Need Help with a Refinance?

If your private loan is due, your caveat lender is getting aggressive, or you just want better terms, Assurity Capital can help. We assess quickly and settle fast — because time matters.

Call our lending team now , submit a scenario for same-day review, Contact Us.

Assurity Capital – Private Lending Refinance Specialists