Fast settlement finance for a deadline your bank cannot meet

You signed a contract with a short settlement. Maybe it was unconditional. The date is locked, the deposit is on the line, and your bank has told you the application is still “in assessment”. A standard purchase loan can take four to eight weeks from start to settlement. Your contract gives you less. That gap is where deals fall over and deposits get forfeited.

Windsor Finance arranges fast settlement finance through a panel of bank and non-bank lenders. We hold no capital of our own, so there is no pressure to push one lender’s product. We take your deal to the lenders most likely to settle inside your contract date, and we come back with indicative structures, usually within 24 hours.

Two products on our panel are built for speed. Fast-track bridging finance. Short-term, property-secured funding to settle now and exit later through a sale or a refinance to a term loan. Indicative cost runs roughly 7% to 13% per annum, priced for the speed rather than a 30-year hold. LVR is typically up to around 75% of the purchase price or valuation, whichever is lower. See bridging loans for the full picture. Private and caveat lending. The fastest option on the panel, drawn from private credit funds and private lenders, secured by a first mortgage, a second mortgage behind your existing lender, or a caveat. Indicative cost is higher, commonly 9% to 18% per annum or priced monthly, plus an establishment fee. Where the security and the exit are clean, settlement can run in 3 to 10 business days. This is overwhelmingly business-purpose and investment lending. See private and non-bank lending.

The speed comes from packaging the file properly and placing it with the right lender first time, not from cutting corners on the security or the exit. The valuer, the lender’s credit team, and the conveyancer all sit on the critical path. Windsor pushes each one to hold the timetable, and we recommend solicitors and conveyancers who have settled the specific product before, so the legals run alongside the credit assessment rather than after it. A clean exit, whether a sale contract or term refinance terms already in hand, is the single biggest factor in how quickly a lender will move. Most of the lending described here is for business or investment purposes, which sits outside the National Consumer Credit Protection Act. Owner-occupier bridging can be consumer credit, which is treated differently. We confirm the purpose with you before anything proceeds. Windsor Finance is a finance broker. The purpose of each deal is confirmed in writing before it proceeds. Every cost is disclosed in writing, up front, before you commit.