For Brokers
Your clients trust you.
Trust us to protect that.
Vía Private is a business credit provider, backed by institutional and family office funding, operating exclusively through the broker channel. We lend against completed Australian property.
5 promises to you.
- 1
Indicative terms within 24 hours. Of a complete submission: amount, LVR, term and rate range. If it does not fit, you get a clear no and the reason in the same window.
- 2
No caveatable rights in an indicative term sheet. Ever.. Your client can walk away at any point before formal documents with nothing on their title.
- 3
The term sheet is the loan agreement. Rate, fees, LVR and conditions on the term sheet are what appear in the formal documents. If due diligence changes something, you hear it first, in writing, with the reason.
- 4
Early repayment is welcome. If the loan is repaid after the minimum term, we refund any pre-paid interest for the period that was not used.
- 5
You stay the point of contact. We copy you on every material communication and never contact your client without your knowledge.
Broker Guide
See if we can help your client.
We work with brokers right across Australia, and with overseas brokers serving expat clients. We can work outside aggregation panels.
Our lending criteria.
We've published our parameters in full so you can self-qualify a deal before you spend time on a submission. Rates and fees live in the Broker Guide.
Loan Size
$1,000,000 - $20,000,000
Security
Registered first or second mortgage over completed Australian real property
Geography
NSW, VIC, QLD, ACT - other eastern seaboard states considered case by case
Borrower Type
Companies, trusts with corporate trustee, SMSFs, individuals (where not NCCP-regulated)
Loan Term
6 - 36 months (shorter on bridging considered case by case)
LVR - Residential
Up to 75% of as-is value
LVR - Commercial / Industrial / Retail / Office
Up to 70% of as-is value (metro)
LVR - Special use (childcare, petrol stations, etc.)
Up to 60% of as-is value
LVR - Residual stock
Up to 70% of as-is value of remaining completed stock
Second Mortgage - Residential
Combined LVR up to 75% (metro)
Second Mortgage - Commercial
Combined LVR up to 70% (metro), behind a bank only
Valuation basis
As-is only - no "as if complete" or "best use" value credited
Repayment type
Interest only - capitalised or serviced, deal dependent
Second mortgages
Only behind a bank, ADI, or ADI-like lender - never behind another private lender
Outside policy
Construction & development, land bank / pre-DA, NCCP-regulated lending, guarantors with unpaid defaults
How the process works - from enquiry to settlement.
Submit your deal
Use our online form to submit the deal scenario. Include the loan amount, security value, deal type, and a brief description of the scenario. The more detail you provide, the faster we can respond.
Indicative terms
Within 24 hours. We'll come back with an indicative position - or a clear explanation of why the deal falls outside our appetite. No maybes.
Full application
If indicative terms are acceptable to your client, we'll request a full application including borrower entity documents, security details, and supporting information relevant to the deal type.
Credit decision
Within 48 hours of complete application. Our credit decision is made by the principals - the same people you're dealing with. We aim to issue a formal Letter of Offer within 48 hours of receiving a complete application package.
Documentation
On acceptance of the Letter of Offer, loan documents are prepared and issued within 48 hours. We use efficient, experienced legal panel firms.
Settlement
We coordinate directly with solicitors to settle. For time-critical deals, we can prioritise the documentation and settlement process.
What brokers say.
"Working with Vía Private was genuinely different. I knew exactly where my client's deal stood at every point in the process, and they did everything they said they would."
Sarah M.
Mortgage Broker - Sydney, NSW
"I've placed deals with a lot of non-bank lenders. What sets Vía Private apart is that they tell you no quickly if it's not going to work - that saves me hours I'd otherwise waste."
James T.
Finance Broker - Melbourne, VIC
"My client was on a tight timeline. Vía Private had indicative terms back to me within three hours and we were settled inside two weeks."
Chris W.
Commercial Broker - Brisbane, QLD
Frequently asked questions from brokers.
Do I need to be accredited with Vía Private before submitting a deal?
How quickly will I receive indicative terms?
What information do I need to include in my submission?
Will you communicate directly with my client?
What if my deal is unusual or doesn't fit your standard criteria?
Do you lend against incomplete property, construction, or land bank sites?
Where can I see your full rates and fees?
Where we lend in Sydney
We've written a page for each of 30 Sydney suburbs, with that suburb's real values, how long things take to sell there, a worked example, and what private credit actually settled in the area.
Read the Sydney suburb pages →Ready to submit a deal?
Fill in our deal form and we'll come back with an indicative position within 24 hours. If it doesn't fit, we'll tell you immediately.
Submit a Deal