Need urgent finance to settle a property, cover a funding gap, or unlock equity? At Formation Finance, we specialise in short term property loans that are fast, flexible, and tailored to your needs.
Whether you’ve hit a financing roadblock with the banks or simply need a fast solution, our short term loan options are designed to get you across the line — without delays, excessive red tape, or unnecessary paperwork.
Short term property loans are fast-settling loans typically used for periods ranging from 3 to 24 months. They’re ideal for situations where funding is needed quickly — especially when conventional lenders can’t move fast enough or won’t approve your loan due to documentation, income, or credit issues.
These loans are usually secured against residential, commercial, or industrial real estate, and can be used for a variety of short-term finance needs including unlimited working capital release.
🔥 Low Rate from 7.95%: Competitive interest rates backed by large family offices and institutions – save thousands.
🔥 No Income Proof: Self-employed? Complex finances? Property developer? We focus on your property’s value, not paperwork.
🔥 High LVR: Borrow up to 75% of your property’s value.
🔥 Fast Approvals: often within 48 hours.
🔥All Postcodes within Australia
No Doc loans. No income docs required. No complicated paperwork!
Property and businesspeople need simple loans for an easy, straightforward, and speedy process.
Our clients use short term property loans for:
Bridging finance between property sales
Fast property settlements (especially when traditional lenders delay or decline)
Refinancing to release equity
Paying off ATO debt or other urgent liabilities
Funding property developments or renovations
Buying time to restructure finances or improve credit
| Development Site Loans | Construction Loans | Residual Stock/ Bridging Loans | Mezzanine Loans | |
|---|---|---|---|---|
| LVR (up to) | 70% | 70% | 70% | 75% |
| Loan Term | 3-24 months | 12-24 months | 3-24 months | 3-24 months |
| Rates (from) | 8.49% p.a. | 9.99% p.a. | 8.49% p.a. | 15.00% p.a. |
In most cases, we can secure approval within 24–48 hours and settle within 3–7 business days.
Minimal documentation is required — typically ID, property title, property value and basic loan purpose info.
No. Interest is often capitalised (retained) within the loan, which helps your cash flow management.
An exit strategy is your plan to repay the loan at the end of the term — usually through property sale, refinancing, or receiving lump sum income. A clear exit strategy is essential for approval, as short term loans are interest-only and designed for temporary use.
