Introduction
This PPSR Loan Agreement is a secured loan agreement that allows the lender to register a security interest on the Personal Property Securities Register and lodge a caveat over real property.
The agreement provides for security over both personal property and real estate assets, together with a director’s guarantee where applicable.
It includes provisions dealing with PPSR registration, repayment, interest, default and enforcement rights.
This document is suitable for commercial lending arrangements requiring multiple forms of security.
This agreement provides for security over both personal property and real property, together with a guarantee of the borrower’s obligations.
Which Loan Document Do I Need?
Use this guide to select the appropriate loan document based on the level of security or purpose of the loan.
| Your Situation | Recommended Document | Security / Purpose |
|---|---|---|
| Simple loan with no security required | Loan Agreement | Unsecured |
| Loan secured over business assets or personal property | PPSR Loan Agreement | PPSR Registration |
| Loan requiring stronger protection including real property support and guarantee |
PPSR Loan Agreement with Guarantee & Caveat |
PPSR + Caveat + Guarantee |
| Loan secured over land using a registered mortgage | Mortgage Loan Agreement | Registered Mortgage |
| Loan to a shareholder or director requiring ATO compliance |
Division 7A Loan Agreement |
Tax Compliance (ATO) |
📄 PPSR Loan Agreement with Guarantee and Caveat
📘 Full Commentary on PPSR and Secured Lending
🧮 Loan Agreement Calculator
📩 Letter Advising on PPSR Registration
• PPSA provisions and PPSR registration clause
• Security over personal property and real property
• Director’s guarantee provisions
• Default and enforcement provisions
What is a PPSR Loan Agreement with Caveat?
A PPSR loan agreement with caveat is a secured loan agreement that allows a lender to take security over both personal property and real property.
The lender may register a security interest on the PPSR and lodge a caveat over real estate to protect its position.
This type of agreement is commonly used in commercial lending where stronger security is required without using a full mortgage.
Professionally Drafted Legal Precedent
Prepared by experienced Australian commercial lawyers, this precedent provides a comprehensive and reliable framework for real-world use.
The document is fully editable in Microsoft Word and includes an Editing Legal Documents Guide to assist with completing and tailoring the agreement.
Designed for immediate use, it can be adapted to suit a wide range of legal and commercial scenarios.
At A Glance
What This Agreement Covers
• Loan advance and repayment
• Security over personal property
• Charge over real property
• PPSR registration rights
• Default and enforcement
Key Provisions Included
• PPSA provisions
• Caveatable interest in land
• Director’s guarantee
• Grantor warranties and covenants
• Further security provisions
Typical Use
• Commercial lending arrangements
• Private loans with security
• Business finance transactions
• Loans requiring additional protection
• Asset-backed lending
Download Details
• Professionally drafted legal precedent• Suitable for Australian use
• Fully editable Microsoft Word document
• Includes Editing Legal Documents Guide
• Instant download available immediately after purchase
Drafted by Legal Professionals
Our precedents are prepared by Australian legal practitioners and reflect commonly used legal drafting standards.
Practical and Easy to Use
Each template provides a structured framework that can be adapted to suit the specific transaction or matter.
Instant Access
Download immediately after purchase and edit the document in Microsoft Word to suit your requirements.
Related Precedents
Related Loan Documents
Frequently Asked Questions
Does this allow a caveat to be lodged?
Yes. The agreement provides for a charge over real property which may support lodging a caveat.
Does this include a guarantee?
Yes. The agreement includes a director’s guarantee where applicable.
Is this different from a mortgage?
Yes. This agreement provides a charge and caveat rather than a registered mortgage over land.
Does this allow PPSR registration?
Yes. The agreement includes provisions allowing registration on the PPSR.
PPSR Loan Agreement with Guarantee and Caveat – Instant Download
• PPSR loan agreement with guarantee and caveat
• Covers security over personal and real property
• Includes PPSR registration provisions
• Includes director’s guarantee
• Includes commentary, calculator and advice letter
• Fully editable Microsoft Word document
• Suitable for Australian use
• Instant download available immediately after purchase
Used by lawyers, businesses and commercial operators across Australia.
Download This Precedent
Instant download. Fully editable Microsoft Word format. Includes practical drafting guidance.