Vía Private
Australian residential property

Short-term lending for clients who are bankable, just not yet.

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Your details

Why choose Vía Private?

Response in 24 hours

Once you've submitted a deal we'll respond with an indicative position (loan amount, LVR, term and indicative rate range) within 24 hours.

Proven track record

Our team has experience in funding over $1.8 billion across 2,000 transactions. We've done this before.

Early repayments welcome

After the minimum loan term has finished, we welcome your clients to repay early if they can, and save interest. We'll make it easy to exit.

Built as a stepping stone

Every loan is priced and structured to be repaid by a sale or a bank refinance at exit. If your client can get bank funding today, we will say so.

New to private credit? Find out how it works

What you can fund today

Bridging

Short-term first mortgage finance against completed property.

Up to 75% LVR. Terms 6 - 36 months. Settlement in days.

Residual Stock

Refinance a senior facility on completed but unsold units.

Up to 70% of as-is stock value.

Business Loans - Residential Property

For self-employed borrowers and complex income structures.

Up to 75% LVR against completed residential property.

Commercial Property

First mortgage finance over completed commercial real property.

Office, retail, industrial, mixed-use. Up to 70% LVR.

Second Mortgage

Access equity behind your existing bank mortgage.

Up to 75% combined LVR on residential, 70% on commercial, industrial and retail.

How we work

What you can expect when you bring a deal to Vía Private. No surprises, just disciplined execution.

1

Scenario review

We assess the borrower profile, loan request, and security details to understand your deal from the outset.

2

Indicative terms

You receive high-level terms within hours - proposed structure, costs, and rate. Once accepted, the full application begins.

3

Due diligence

We review valuations, credit reports, contracts, and all supporting documents to finalise the deal.

4

Formal offer

A formal letter of offer is issued, clearly setting out all terms for client acceptance.

5

Documentation

Our appointed law firm prepares and issues loan documents, ready for signing and settlement.

6

Settlement

Documents signed, conditions met, settlement completed - no unnecessary delays.

Vía Private team meeting with client

Get in touch

Call us directly

+61 487 177 567

Send us your deal on

begin@viaprivate.com.au

For new deals and quick assessments

Questions we get asked

Clarity is key. If you have a specific scenario, we prefer a direct conversation.

You get indicative terms within 24 hours of a complete submission - amount, LVR, term and rate range - or a clear no with the reason in the same window. There are never caveatable rights in an indicative term sheet, so your client can walk away at any point before formal documents with nothing on their title. The term sheet is the loan agreement: the rate, fees, LVR and conditions on it are what appear in the formal documents, and if due diligence changes anything you hear it first, in writing, with the reason. Early repayment is welcome, and if the loan is repaid after the minimum term we refund any pre-paid interest for the period that was not used. And you stay the point of contact - we copy you on every material communication and never contact your client without your knowledge.
First mortgage loans run from $1,000,000 to $20,000,000. Second mortgage loans run from $500,000 to $7,500,000. We can structure larger facilities on a case-by-case basis for the right deal.
We aim to have indicative terms with you within 24 hours of receiving a complete submission. If they work, we move quickly from there.
We are a broker-first business. We protect your mandate, communicate transparently throughout the process, and ensure you remain the primary point of contact for your client.
Our minimum term is 6 months and maximum is 3 years. We want exits to be clean and simple - no excessive fees that leave your client unhappy at the end of the deal.
Yes. We lend in both first and second mortgage positions across residential, commercial, industrial, and retail property. Second mortgages must sit behind a bank, ADI, or ADI-like senior lender - not another private lender.
We lend across Australia's East Coast - major cities (Sydney, Melbourne, Brisbane, Gold Coast, Canberra), regional cities (Newcastle, Wollongong, Geelong, Central Coast NSW), and key destinational markets (Byron Bay, Southern Highlands, Mornington Peninsula, Noosa). Other locations are considered case by case.