A Melbourne second mortgage settles when the party holding eCT control releases the title. Who controls it, what consent decides, what stalls it.

Caveat or private first mortgage on an unencumbered Melbourne property: pricing, settlement speed, Victorian registration and what happens at refinance.

How a private mortgage is paid out and discharged in Australia. Payout figures, discharge timing, early exit costs and getting the security off your title.

How to tell whether the private lender on your term sheet is the party actually funding the loan, and what to check before you pay any fee.

A going concern price arrives as four lines, not one. Each is funded differently, and the split is usually why the deposit is bigger than expected

A park's LVR turns less on how many permanents it has than on who owns the dwelling on each site and whose occupancy the law protects. Here is why.

Freehold, leasehold and going concern are not three options on one scale. They are two questions, and reading them wrong misreads the funding.

How a motel lender turns occupancy and average room rate into a serviceable number, and what one soft trading year actually does to the loan size.

What lenders actually fund when you buy management rights in Queensland, and how the regulation module and remaining agreement term change the loan.

A guarantee is a promise. A mortgage from a non-borrower is a charge over their title. What changes for the property owner, and what a funder asks for.