Credit Guide

Vía Capital Pty Ltd (Vía Capital) is an Australian private credit lender operating exclusively through mortgage broker channels. We provide short-to-medium term non-bank lending solutions for property transactions across Australia's East Coast.

Vía Capital Pty Ltd is not an authorised deposit-taking institution (ADI). Our lending is funded from private capital.

We provide first and second mortgage lending for commercial and investment purposes, including:

• Bridging and caveat finance
• Land bank and pre-DA finance
• Residual stock lending
• Mezzanine finance for active development projects
• Low-doc residential lending
• Commercial property finance
• Second mortgage lending

All loans are provided for commercial or investment purposes. We do not provide regulated consumer credit under the National Consumer Credit Protection Act 2009 (Cth).

We operate exclusively through accredited mortgage brokers. We do not deal directly with borrowers at the enquiry or application stage. Your broker acts as your primary point of contact throughout the process.

If you are a borrower and have been referred to this page, please speak with your mortgage broker in the first instance. If you wish to contact us directly, use the details at the bottom of this page.

Fees vary by product and loan structure. Indicative fee information is provided on each product page on our website and in any indicative terms issued to your broker. The following general parameters apply:

• Establishment fee: 1.55% (first mortgage) or 2.10% (second mortgage) of the loan amount, payable on settlement
• Rollover fee: 0.25% per rollover period, where applicable
• Interest: Capitalised or serviced monthly, as agreed at the time of offer. Interest rates are not published on our website; they are provided in indicative terms and formal offers
• Legal and valuation costs: Borrower's responsibility. An indicative range will be included in your offer documents
• Early repayment: No penalty for early repayment beyond the minimum term

All fees are disclosed in full in the formal Letter of Offer before you are required to commit to the loan.

Private credit lending typically carries a higher cost than bank lending. Before proceeding, you should consider:

• whether the cost of the loan is appropriate given your circumstances and exit strategy
• whether your exit strategy (refinance, sale, or other liquidity event) is realistic within the loan term
• the consequences if your exit strategy is delayed or does not proceed
• whether you have obtained independent legal and financial advice in relation to the loan

We encourage all borrowers to seek independent advice before proceeding with any loan.

If you have a complaint about our services, please contact us in the first instance so we can work to resolve it promptly.

Phone: 0430 024 926
Email: deals@viacapital.com.au

We will acknowledge your complaint within 2 business days and aim to resolve it within 30 days. For our full complaints process, visit our Complaints page.

Vía Capital Pty Ltd
Sydney, NSW (by appointment only)
Email: deals@viacapital.com.au
Phone: 0430 024 926
Mon–Fri, 9am–5pm AEST