Vía Private

Bridging Loans & Caveat Finance

Bridging loans and caveat finance from Vía Private. Short-term, property-secured lending for transactions where standard settlement timelines don't work - and caveat facilities for situations where a registered mortgage would take too long.

Product Parameters

Loan size
$1,000,000 - $20,000,000
Maximum LVR - Residential
Up to 75% of as-is value
Maximum LVR - Commercial / Industrial / Retail
Up to 70% of as-is value
Maximum LVR - Special use (childcare, petrol stations, etc.)
Up to 60% of as-is value
Loan term
6 - 36 months (shorter terms considered case by case)
Security
First registered mortgage, or registered caveat (short-term only)
Valuation basis
As-is only - no "as if complete" or "best use" value credited
Borrower entity
Company, trust, individual, SMSF
Indicative terms
Within 24 hours of complete submission

All parameters shown are indicative and based on standard scenarios. We may work outside these parameters depending on the strength of the deal. Interest rates and establishment fees are not published online - they are provided in indicative terms issued to your broker. For our full pricing schedule, request the Broker Guide.

View full product parameters →

How it works

1

Identify the funding gap

A bridging loan fills the gap between two events - typically a property purchase and a property sale, or a financing need and a refinance. Your client knows what they need the money for and has a clear exit. That's the starting point.

2

Submit and receive indicative terms

Submit the deal scenario online. We assess the security value, the exit strategy, and the loan amount required. For straightforward bridging deals, we can have indicative terms back within hours.

3

Settlement - in days, not weeks

For registered mortgage bridging loans, we target settlement within 5-10 business days of a complete application. For caveat facilities where urgency is extreme, we can move faster. Talk to us about the timeline.

Is this the right product for your client?

This suits:

  • •Purchasers who need to buy before their existing property is sold
  • •Borrowers refinancing out of a position where their current lender has issued a demand
  • •Business owners who need property-secured working capital at short notice
  • •Situations where probate, estate, or legal complexity means a bank cannot move fast enough
  • •Time-critical refinance: existing lender has issued a default notice and the client needs to refinance in days, not weeks
  • •Debt restructure and consolidation: client has multiple debts and needs a single facility to clear the decks before refinancing to a bank
  • •ATO debt refinance: clearing tax debt to free a path to a bank refinance

This product is not suitable for:

  • •Construction or development scenarios - we lend against completed security only
  • •Land bank or pre-DA exposure - we no longer offer this product
  • •Loans secured against "as if complete" or "best use" valuations

Frequently Asked Questions

What's the difference between a bridging loan and a caveat loan?
A bridging loan is secured by a registered first mortgage - a formal security interest registered on the title. A caveat is a notice lodged on title that alerts parties to a claimed interest but is not a full registered mortgage. Caveat facilities are faster to establish but carry more complexity and are suited to very short-term, urgent situations. We'll advise which is appropriate for your client's circumstances.
How quickly can you settle a bridging loan?
For a registered first mortgage bridging loan with clean title and a straightforward security, we target settlement within 5-10 business days of complete documentation. Caveat facilities can settle faster where urgency is the priority.
What is the minimum bridging term?
Our standard minimum term is 6 months. We will consider shorter terms case by case where the deal economics and exit strategy support it - speak to us early if your client's timeline is unusually short.
Do you lend to individuals (natural persons) for bridging?
Yes - for bridging and caveat loans, we can lend to individuals as well as companies and trusts, where the purpose is not regulated under the National Credit Act. Speak to us about the specifics of your client's situation.
What exit strategies will you accept?
We assess exits on their merits. The most common are: sale of the security property, sale of another property, or refinance to a bank or another long-term facility. We need a credible, documented exit at the time of application.
Will you bridge against vacant land or a development site?
No. We lend against completed real property only. Vacant land and any "as if complete" or "best use" valuations are outside our policy.

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Got a deal that needs a private lender?

Submit your scenario and we'll come back with an indicative position - loan amount, LVR, term - within 24 business hours. If it doesn't fit, we'll tell you that too.

Submit a Bridging Deal