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what's next for real estate private credit

What’s next for real estate private credit?

STOCKHEAD & THE AUSTRALIAN
Despite increased attention, real estate private credit currently accounts for less than 20 percent of Australia’s commercial real estate lending market*, compared to more established markets like the US, where it represents 50 per cent of funding.

Yet this story is changing, with Australia now attracting the attention of sophisticated global and domestic capital. Zagga has been a beneficiary of this conviction.

As momentum continues to build, it’s imperative that there is a focus on quality – of managers, projects, and counterparties – to protect investors capital and ensure the sustainability of Australia’s real estate private credit sector.

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private credit paradox

Opinion: The private credit paradox

FINANCEASIA
Despite criticism, Roushana Sjahsam, Asean senior board adviser at investment firm Zagga, argues private credit is an emerging asset class for defensive, yield-seeking investors, who want diversification, stable income, and portfolio resilience.

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private credit

Private Credit: Why “Filling the Gap” Matters for Australia’s Future

The story is not just about growth—it’s about what private credit represents, both for investors and for the communities who ultimately rely on the projects it funds.
The rise of private credit in Australia didn’t happen by accident. Regulatory changes curtailed the lending appetite of traditional banks, leaving developers and businesses searching for alternative sources of finance. Into that space stepped specialist managers like Zagga, focused on commercial real estate credit.

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consumers

Rates on hold, consumers in focus

The RBA appears content to leave policy on hold for the foreseeable future. With inflation under control and the economy showing cautious improvement, aggressive rate cuts are unlikely in the remainder of 2025. Any shift in policy is more likely to be down than up — but timing will depend on how consumer demand and the labour market evolve.

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Sydney Alts Week 2025

ALTERNATIVE FUTURE FOUNDATION
As part of Sydney Alts Week 2025, our Executive Director, Tom Cranfield, sat down with Nina Dunn, Director of the Alternative Future Foundation

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PRI

Zagga joins UN-backed Global Principles for Responsible Investment

WEALTH & SOCIETY
The PRI is the world’s leading advocate for responsible investment. Joining its global network formalises Zagga’s commitment to embedding Environment, Social, and Governance (ESG) considerations across investment and operational decision-making and practices.

Nikki Kemp, Singapore-based Independent Chair of Zagga’s ESG Committee, Director of Singapore Green Finance Centre and former World Economic Forum Executive, said this was an important milestone signalling Zagga’s determination to integrate ESG at every level.

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private credit

Private credit specialist Zagga makes the case for steady income beyond the stock market

STOCKHEAD & THE AUSTRALIAN
When share prices climb faster than profits, dividend yields naturally shrink. So while stocks look elevated, those once-reliable cheques don’t carry the weight they used to.

For income-hungry investors, the hunt is on for something steadier.

One corner of the market that’s quietly moving into the spotlight is private credit – and in particular, real estate-backed private credit.

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We would like to acknowledge the Traditional Custodians of the lands, seas, and communities in which we provide our services. We would also like to pay our respects to the Elders past, present and emerging, and the continuing cultural influence they have on Australia.

Zagga Market Pty Limited (Australian Credit Licence 490904) ACN 611 662 401 acts as the Servicer of loans acting on behalf of the credit provider, Zagga Investments Pty Limited (AFSL 492354) ACN 615 154 786, trustee of the Zagga Investments Lending Trust

Additional Disclaimer

All portfolio numbers quoted correct as at 1 October 2025.

*Average investor return across the active portfolio as at 1 October 2025.

**Target return is after expenses and any applicable management fees for the year ended 30 June 2026. OCR = Australian Reserve Bank Official Cash Rate.

Past performance is not a reliable indicator of future performance and investments are subject to investment risk, fees and costs. Returns are not guaranteed.

Prospective investors wishing to invest in a Zagga direct investment or a Zagga Fund should fully consider the Information Memorandum, ZFF Fact Sheet and/or ZWF Brochure, available from Zagga, before applying to invest. Investments are subject to risks.

Articles on this website have been prepared by Zagga Investments Pty Limited (AFSL 492354) ACN 615 154 786 (Zagga) for information purposes only. It doesn’t take into account your objectives, financial situation or needs, nor is it intended as a substitute for any accounting, tax or other professional advice, consultation or service. Nothing in this article shall be construed as a solicitation to buy or sell any financial product, or to engage in or refrain from engaging in any transaction.

Past performance should not be taken as an indication or guarantee of future performance and no representation or warranty, express or implied, is made regarding future performance. Economic conditions may change.

Any analysis provided in this article is based on information obtained from sources believed to be reliable but Zagga does not make any representation or warranty that it is accurate, complete or up to date. Zagga accepts no obligation to correct or update the information or opinions in it. Any opinions expressed in this article are of the author and is subject to change without notice. Readers are reminded to exercise caution and use their own judgment when interpreting and applying the information contained in this article No member of Zagga accepts any liability whatsoever for any direct, indirect, consequential or other loss arising from any use of such information.

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