Solutions · Refinance & Debt Rescue
When your lender calls the loan, you need options fast.
Refinance and debt rescue finance for when a facility is expiring, a lender has called the loan, or a standard bank refinance won't land in time.
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Tell us the deal. No forms to hunt for.
Step 1 of 8Security
Do you have a property to use as security?
Every Rave loan is secured against Australian real estate.
What Is Debt Rescue Finance?
A fast exit when the clock is running.
Debt rescue (or rescue refinance) is short-term, property-secured finance that replaces an existing facility on a deadline, most often because a lender has called the loan, a facility is expiring, or a bank refinance won't land in time. It buys the time to either settle permanently elsewhere or resolve the underlying issue, without losing the asset in the process.
How It Works
Four steps, no bank queue.
Tell us the situation
What's expiring or being called in, and by when. Deadlines are the whole point here.
We assess the exit
Debt rescue only works with a credible plan to repay or refinance again. We look at that, not just a credit file.
Indicative terms, fast
Most enquiries get an answer within 24–48 hours, because the deadline usually can't wait longer than that.
The facility is refinanced
Funds settle the existing lender directly, on your timeline, not theirs.
When It's Used
Deadlines, not preferences.
Called-in facilities
An incumbent lender demanding repayment or non-renewal, with a hard deadline attached.
Expiring facilities
A facility maturing before a permanent refinance is ready to settle.
Default or arrears situations
Assessed on the property and the exit plan, not just a credit file.
Bridging to a permanent lender
Short-term cover while a bank or long-term facility completes its own slower process.
Why Not the Bank?
Debt rescue is a deadline product. Banks aren't fast.
If a lender has called your loan, a standard bank refinance process is often too slow to beat the deadline. Rave assesses the exit directly, so a decision lands while there's still time to act on it.
Bank or Broker
Who you actually talk to
A call centre, or a broker passing on messages
Extra cost baked into your rate
Often, yes
Assessed mainly on
Your credit score and payslips
Time to a real answer
Weeks, sometimes
Who decides
A committee you'll never meet
The Rave Way
Who you actually talk to
The lender. Directly.
Extra cost baked into your rate
Never
Assessed mainly on
The property you're offering
Time to a real answer
4 business hours
Who decides
The people you're talking to
FAQ
Straight answers.
Debt rescue finance is short-term, property-secured funding that replaces an existing facility under time pressure, typically because a lender has called the loan or a facility is expiring.
Lender given you a deadline?
Tell us what's expiring and when. A real lender reads it today, not next week.