No income proof. No credit checks. No lengthy paperwork. Blue Vista Capital secures fast private lending and bridging finance across Australia — backed by your property equity, not your payslips.
Private lending focuses on the value of your property — not your tax returns, payslips, or credit score. If you own property with equity in Australia, you most likely qualify.
Private lending costs more than bank lending — because we accept what banks won't. But for the right situation, a fast private loan is far better than a lost deal or a missed opportunity.
We structure private lending solutions for borrowers who need speed, flexibility, and certainty — not more bank bureaucracy.
Bridge the gap between an immediate funding need and a future event. Short-term, interest-only. Terms to 12 months. Fast approval within 48 hours.
Unlock equity from a property that already carries a first mortgage, without disturbing your primary loan. Ideal for business capital or urgent working capital.
Secured against property. No payslips, no tax returns. Business owners and self-employed borrowers can access capital in days.
Site acquisition, construction with limited presales, incomplete projects, and mid-project rescue finance. We step in where mainstream lenders stop.
Release equity from residential or commercial property for any purpose. Refinance and cash out in one transaction with minimal documentation.
Already in an expensive private loan? We'll refinance to a lower rate or better term — reducing your cost of funding and extending your runway.
No 50-page application forms. No committees. Just an experienced broker who knows which private lender is right for your situation.
Call, email, or complete the quick form. A few key questions about your property, loan amount, and purpose.
Within 24–48 hours we provide an indicative approval with terms from our 45+ lender panel.
No financials, payslips, or income proof. Usually just property details and ID.
Funds in your account. Settlement within days of approval, depending on outgoing lender timeframes.
We arrange private mortgage finance across the Eastern seaboard and beyond — from major CBD markets to regional centres.
Rated 5.0 stars on Google · Blue Vista Capital, 7/35 Spring Street, Bondi Junction NSW 2022.
Great experience working with Blue Vista Capital in Bondi Junction. Jared was professional, knowledgeable and made the entire finance process straightforward. Highly recommend Jared and the team at Blue Vista Capital if you're looking for reliable lending or finance solutions in Sydney.
I had a fantastic experience working with Blue Vista Capital in Bondi Junction, particularly with broker Jared. From the very beginning, Jared was incredibly knowledgeable, responsive, and genuinely focused on finding the best 2nd mortgage lending solution for my situation.
Jared has been a great help to us trying to get a loan to build a granny flat. He organised everything from start to finish and had the loan approved in record time. Thank you Jared greatly appreciated. I will recommend you to anyone that needs help as us.
Not expecting receiving such wonderful service from a random broker we found on the internet! Jared is not just professional but also super efficient, we can't believe how smooth the process has been, very impressive, highly recommended!
Excellent service — clear communication, fast turnaround and very knowledgeable team.
No. Private lending is asset-based — secured against your property. We do not require payslips, tax returns, or full financial statements. Your property equity is the primary consideration.
Private lenders are significantly more flexible than banks regarding credit history. Defaults, court judgements, and adverse credit are assessed case-by-case. In many scenarios we can still help.
We provide indicative approval within 24–48 hours. Settlement depends on the outgoing lender's discharge process, but most private loans settle within days to 2 weeks of formal approval.
Residential, commercial, industrial, and land — including metro and many regional postcodes. First and second mortgages across most suburbs in Australia.
Up to 70–75% for residential metro first mortgage security. Second mortgages generally up to 70% combined LVR. Higher LVR may be available for defined exits such as a confirmed property sale.
We assist with loans from $100,000 up to $20,000,000 across all loan types including bridging, second mortgages, construction, and mezzanine finance.
Private lending moves at the speed of opportunity. Let's talk today.