Private credit, secured against completed property.
Vía Private lends where banks can't or won't. Loans from $1,000,000 to $20,000,000 secured by a registered first or second mortgage over completed Australian real property. Every deal is assessed on its individual merits.
Our lending products.
Five products covering bridging, equity release, refinance, and residual stock - across residential, commercial, industrial, and retail completed property.
Bridging & Caveat Loans
Speed-critical transactions where standard timelines don't work. Terms 6 - 36 months (shorter considered case by case). Up to 75% LVR on residential, 70% on commercial.
Residual Stock Finance
Refinance a senior facility while the sales campaign runs on completed units. Up to 70% of as-is stock value.
Low Doc Residential
For self-employed borrowers, complex income structures, and situations banks won't touch. Up to 75% LVR.
Commercial Property
First mortgage finance on retail, office, industrial, and mixed-use completed assets. Up to 75% LVR.
Second Mortgage
Access equity behind your existing bank mortgage. Residential, commercial, industrial, and retail. Up to 75% combined LVR.
Not sure which product fits your client's deal?
Private credit deals rarely fit a single box. A bridging loan might convert to a longer-term first mortgage. A low doc residential refinance might also need equity release. If you're not sure, submit the scenario and we'll tell you how we'd structure it.
Submit a Deal - we'll work out the structureWhere we lend.
We lend across Australia's East Coast. Location affects the maximum LVR we'll apply.
Major Cities
Sydney (50km radius), Melbourne (35km), Brisbane (20km), Gold Coast (20km), Canberra (10km)
Regional Cities
Newcastle, Wollongong, Geelong, Central Coast NSW
Destinational
Byron Bay, Southern Highlands, Mornington Peninsula, Noosa
Other locations considered case by case and may attract adjusted LVRs and pricing.
What we don't do.
We think it's worth being upfront about our hard limits - it saves everyone time.
Completed security only.
We lend against completed property only. No construction, no development finance, no land bank or pre-DA exposure. All valuations are on an as-is basis only - we do not credit "as if complete" or "best use" value.
No loans over 3 years.
Our maximum term is 3 years (36 months) and our minimum is 6 months on bridging (shorter terms considered case by case). If your client needs longer-term finance, Vía Private isn't the right lender.
No second mortgages behind other private lenders.
We take a second mortgage behind a bank or ADI-grade senior lender only. We don't lend in second position behind other private credit funds or non-bank lenders.
No NCCP-regulated lending.
All lending is for commercial or investment purposes. We do not provide regulated consumer credit under the National Consumer Credit Protection Act.
No lending to guarantors with unpaid defaults, or guarantors who have no obvious benefit from the transaction.
Guarantor positions are assessed on their merits - past resolved credit events can be accommodated, but unpaid defaults and arrangements without genuine commercial benefit are outside policy.
No loans outside qualifying locations (unless agreed case by case).
We lend on Australia's East Coast across major cities, regional cities, and key destinational markets. Properties outside these areas are considered on application and may attract adjusted LVRs.
No loans outside Australia.
All security must be Australian real property.