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.

A trust or company can put its property up as security, but the deed, the trustee and the signing authority decide what a funder can actually register.

How one second mortgage works across two property titles: separate mortgage documents, consent from each first mortgagee, and how a property gets released.

A caveat loan is business purpose credit. What the National Credit Code tests, what makes a business purpose declaration ineffective, and what you give up.

A family deposit is either a gift or a loan. What a gift letter must say, what changes if it is repayable, and what a lender asks for to prove it.

A winding up application has been filed against your company. What property-secured funding can do inside a court timetable, and when it is the wrong call.

Entering an ATO payment plan does not remit a director penalty. What actually removes it, how lockdown notices differ, and where the money comes from.

What a lender needs to see when an ATO payment arrangement is still running: the plan letter, instalment history, lodgement currency and servicing.

Once the ATO reports a business tax debt it sits on your commercial credit file. What lenders see, what finance is left, and how the report comes off.

Director penalty notice, statutory demand, winding up application or garnishee. How long each one leaves you, and what is fundable inside that window.