Our Promise
We're for the borrower.
Private lending has a bad reputation for a reason. Hidden fees, last-minute term changes, and legal traps buried in the fine print. We built Vía Private to be different.
We will never add caveatable rights to an indicative term sheet.
A caveat is a legal notice that gets lodged on the title of your property. Once it's there, you can't sell or refinance the property until it's removed. In the wrong hands, it's a way for lenders to trap borrowers - even before a loan has been formally agreed.
Some lenders include "caveatable rights" in their indicative term sheets. That means by simply receiving and signing a term sheet - before you've agreed to anything final - they claim the right to place a caveat on your property.
We don't do that. Ever.
An indicative term sheet from Vía Private is exactly what it says: an indication of our appetite and likely terms. It's not a legal trap. You are free to walk away at any point before a formal loan agreement is signed - without any strings attached to your property title.
We encourage you to pay back up to 30 days early. No exit fees.
Private credit loans are short-term by nature. They're designed to bridge a gap - to get you from where you are now to where you're going. Once that gap is closed, you should be able to move on without penalty.
Many lenders charge early exit fees - sometimes called break costs, early repayment fees, or deferred establishment fees. These can add thousands of dollars to the cost of your loan simply because you paid it back faster than expected.
We don't charge early exit fees on every deal. We'll allow up to 30 days repayment before expiry without any fees.
If you can refinance to a bank sooner than planned, or if your property sells faster than expected - great. Pay us back and move on. We'd rather see you in a better financial position than collect a fee for getting in the way.
What you see is what you get. No surprises after you've agreed.
One of the most common complaints borrowers have about private lenders is that the terms change between the indicative offer and the formal loan documents. The rate goes up. New fees appear. Conditions are added. By that point, you're already committed - your other options have fallen through, your settlement date is close, and you feel stuck.
When we issue a term sheet, we stand by it. The rate, fees, LVR, and conditions in your term sheet are what you'll see in your formal loan agreement. We don't use the term sheet as bait to get you in the door and then change the deal at the last minute.
If anything does need to change - because new information comes to light during due diligence - we'll tell you immediately, explain why, and give you the chance to walk away with no cost.
No surprises. No bait and switch. No fine print that contradicts what we told you.
Ready to talk?
If you've been burned by a lender before, we understand the hesitation. Talk to us - no obligation, no caveats, no pressure.