Already in a private loan that's expiring, too expensive, or no longer suitable? We find competitive refinance options — lower rates, better structure, faster settlement.
Private loans are powerful tools when you need speed — but they're typically short-term and higher cost. When your loan is approaching maturity, or you're finding the rate uncompetitive, refinancing to a better private loan can meaningfully reduce your cost of capital and give you more time to execute your strategy.
Blue Vista Capital specialises in refinancing expiring or costly private loans. With access to 45+ private lenders, we can often find a lower rate, a longer term, or a better structure than your current arrangement — without requiring income proof.
Acting early — before your loan matures — gives you the most options and negotiating power. Don't wait until the lender is demanding repayment.
We assess your existing loan terms, maturity date, LVR, and what's changed in your situation since the loan was arranged.
We approach our 45+ lender panel to find the most competitive refinance terms available for your specific situation.
We present your best options clearly — rate, term, structure, and cost — so you can make an informed decision.
Once you proceed, we coordinate settlement between outgoing and incoming lenders to minimise cost and complexity.
Yes. Private loan refinancing is asset-based. Adverse credit, defaults, and court judgements don't automatically prevent refinancing. Your property equity and exit strategy are the primary considerations.
Ideally 3–6 months before your loan matures. This gives you time to properly assess options, negotiate terms, and complete the refinance without being under pressure from your current lender.
Yes. If there is sufficient equity in the security property, it's often possible to release additional funds at the same time as refinancing your existing private loan — subject to LVR and lender appetite.
You should contact us immediately. In most cases, we can arrange an extension with your existing lender or a fast refinance to a new private lender — even at short notice. Acting early gives you far more options.
Same-day response. No credit check to enquire.