Short Term Financing Solutions
Welcome to Mango Credit & Mango Mortgages: leading providers of bridging loans and short term business finance.
The simple way to obtain short term loans
- $25K – $500K+
- By caveat, second or first mortgage
- Funding typically within 3 – 5 days from application
- Loan terms from 2 to 24+ months
- Australia-wide
- No credit check or income assessment
- Minimal documentation
- Real estate backed (real estate required to obtain a loan)
- Flexible underwriting
We like to say
‘YES’ WITHOUT THE ‘BUT’
‘Yes’ to helping you get out of a bind, and ‘yes’ to provide funding to take advantage of a great opportunity. We do this by providing finance solutions via bridging loans for personal use and business short term loans for commercial or investment purposes.
Mango Credit & Mango Mortgages short term loans
Since 2001, Mango Credit & Mango Mortgages have been helping individuals and businesses nationwide through fast and flexible short-term financing solutions.
We’re an established private lender that offers extensive short term finance, including caveat loans, home equity loans, first mortgages and second mortgages. With two decades of reliable service, we continue to help thousands of Australians access short term finance.
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Why consider us for your short-term loans?
- We are committed to understanding our client’s needs and providing the most suitable loan and terms to their individual requirements.
- We are completely transparent on our fees, charges, interest rates and additional costs for late repayments.
- Our application process is simple and easy, with minimal documentation and flexible underwriting.
- Our funding is quickly available, typically within 3-5 days from application.
- We consistently strive to be fair in all of our transactions.
Loans we offer
Need a short-term loan for personal use or for commercial purposes? Here’s an overview of where we can help:
| Caveat Loans | First Mortgage Loans | Second Mortgage Loans | Home Equity Loans |
Caveat Loans
Short-term caveat loans are a way to quickly access funding.
To take out a caveat loan, you must own property. A caveat operates like a form of ‘injunction,’ which means the loan is lodged on title behind your existing mortgage (no consent is required from your bank to do so). This also means the borrower is prevented by a ‘caveat’ from settling the sale of the property without the permission of the caveat loan provider. Once the loan is settled, the caveat is removed from your property.
A short-term caveat loan is commonly used to manage the cash flow between the sale and purchase of a property. In addition, caveat loans can be used for renovations, development projects, construction or business working capital.
Our short-term caveat loans are flexible, require minimal documentation and are usually approved within days. We also accept applications from individuals and borrowers with affected credit history. And you can quickly and easily apply online.
First Mortgage Loans
Most first homeowners will require a mortgage to secure their new home. Historically, first mortgages have been provided by big banks for a long term (often 15 years up to 30 years). Though longer-term loans don’t always suit everyone’s circumstances – particularly for borrowers who may only need access to funds for a shorter period of time, or if they don’t meet a bank’s lending criteria.
The good news is that there are a number of alternative and private lenders in Australia who provide short-term first mortgages, which typically have a duration of 2 to 36 months.
Also, keep in mind that while generally, first mortgages are used for property purchases, they can also be used for home renovations, paying bills, funding business ventures or to cover construction costs for real estate development.
Our short-term first mortgage loans are flexible, require minimal documentation and are usually approved within days. We also accept applications from individuals and borrowers with affected credit history. And you can quickly and easily apply online.
Second Mortgage Loans
A short-term second mortgage may be worth considering if you have solid equity in your home, an inability to extend or refinance your primary mortgage loan, and quickly need access to significant funds.
A short-term second mortgage loan can be used for personal or business purposes. Common business requirements include boosting working capital, acquiring equipment or stock,or even purchasing a business. Typical short-term second mortgage loan uses include consolidating debts (such as personal loans and credit cards), paying a one-off large bill or undertaking renovations on your home.
Our short-term second mortgage loans are flexible, require minimal documentation and are usually approved within days. We also accept applications from individuals and borrowers with affected credit history. And you can quickly and easily apply online.
Bridging Loan
A bridging loan is specifically designed for property owners who are in the process of buying or selling a property. It acts as a temporary financial bridge, which allows you to manage cash flow and seize opportunities without the delays often associated with traditional lending institutions.
Bridging loans are versatile and can be used for various purposes. If you’re renovating your property, undertaking development projects, financing construction endeavours or boosting your business working capital, a bridging loan can provide the financial support you need.
Our short-term first mortgage loans are flexible, require minimal documentation and are usually approved within days. We also accept applications from individuals and borrowers with affected credit history. And you can quickly and easily apply online .
Home Equity Loans
Whether you still have an existing mortgage or you own your home outright, you can obtain a short-term home equity loan. This loan type can be used for many different purposes, including property renovation, purchasing an investment property, paying a large bill or debt consolidation.
Generally speaking, the more equity you have in your home, the more you will be able to borrow through a home equity loan.
Our short-term first mortgage, 2nd mortgage or caveat loans are flexible, require minimal documentation and are usually approved within days. We also accept applications from individuals and borrowers with affected credit history. And you can quickly and easily apply online.
Have questions? Contact us today.
Get the funds you need quickly and easily. We provide individuals and businesses access to short term finance for a variety of purposes.
Reach out to our friendly team today at:
- info@mangocredit.com.au
- (02) 9555 7073