Vía Capital

Bridging Loans & Caveat Finance

When timing is the problem, Vía Capital is the solution. We provide short-term bridging finance for property 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
70% of as-is security value
Loan term
1 - 12 months
Security
First registered mortgage, or registered caveat (short-term only)
Borrower entity
Company, trust, individual, SMSF
Indicative terms
Within 24 hours of complete submission
Geography
NSW, VIC, QLD

All parameters shown are indicative and based on standard scenarios. We may work outside these parameters depending on the strength of the deal. Contact us to discuss your specific scenario.

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
  • •Developers who need to settle a site quickly before going through a construction facility process
  • •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

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.
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.
Can you bridge a development site purchase?
Yes. If your client needs to settle a development site quickly - before a construction or land bank facility is formally established - a bridging loan is a practical solution. We can sometimes convert the bridging facility into a construction facility for the same client.

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