Vía Capital
Australian residential property

Deals don't wait.
Neither do we.

Get private credit up to $20 million with up to 80% LVR for property and complex deals across Australia.

Send us an overview of your deal

Why choose VIA Capital?

Response in 24hrs

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

Over $1.8B in deals across 2,000+ transactions, giving brokers confidence in our ability to assess, structure, and execute.

Transparent from day #1

We are integrous in our service approach ensuring that our terms of engagement are clear and simple for our customers.

Built for long-term value

We structure funding around your client's goals with tailored solutions designed for the realities of each scenario.

We're raising the standard for what private lending should feel like

Mortgage broker working at laptop

For brokers

Win more deals with funding you can rely on, without compromising your client's experience.

  • 24-hours term sheets
  • Flexible deal structures
  • No hidden terms or fees
  • Certainty to settle
Learn more
Client reviewing financing options

For clients

All the capability, with none of the compromise. Designed for clients who expect more.

  • Clear terms and dates, no surprises.
  • Fast, without cutting corners
  • Invested in your success
  • For your first project and beyond
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Investor reviewing portfolio on phone

For investors

Access well-written opportunities designed to preserve capital and deliver consistent returns.

  • Institutional credit process
  • Clear portfolio reporting
  • No construction risk
  • We have skin in the game
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What you can fund today

Bridging & Caveat

For self-employed borrowers and complex income structures.

Up to 70% LVR. Settlement in days.

Land Bank / Pre-DA

Secure a site before development approval is in hand.

Up to 60% of as-is land value.

Residual Stock

Refinance your construction facility while selling.

Up to 70% of as-is stock value.

Mezzanine Finance

Second-ranking finance behind bank senior facilities.

Up to 75% LVR for residential and commercial development projects.

Low Doc Residential

For self-employed borrowers and complex income structures.

Up to 70% LVR.

Second Mortgage

Access equity behind your existing bank mortgage.

Residential, commercial, industrial, and retail. Up to 75% combined LVR.

How we work

What you can expect when you bring a deal to Vía Capital. 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.

Via Capital team meeting with client

Meeting you where you're at

Call us directly

+61 430 024 926

Available Mon–Fri from 9am to 5pm (AEST)

Send us your deal on

deals@viacapital.com.au

For new deals and quick assessments

Book a quick call

Check availability

Schedule a time to walk through your deal

Questions we get asked

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

Vía Capital provides fast, transparent private credit for borrowers and deals that fall outside standard bank criteria. We respond with indicative terms within 24 business hours, deal directly with decision-makers, and never compete with the brokers who bring us deals.
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 business 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 24 months. 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.