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economic recovery

The economic recovery pushes the RBA to contemplate interest rate hikes… but not yet 

Over the past three months, the run of economic news has been pointing to stronger activity with the composition of that growth increasingly favourable. Business investment and dwelling construction are stronger, while household consumption continues to recover. At the same time, and at odds with this better news, the labour market has shown signs of softness. The upturn in inflation is a concern for the RBA despite the fact that the drivers of the inflation increase appear to be one-offs.
At the same time, the housing market is recovering. New dwelling building approvals have rebounded strongly although the level of activity remains below the rate needed to address the housing shortage.

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growth

Stronger growth, stubborn inflation — what’s next for rates?

At its December meeting, the RBA left rates unchanged and ruled out a cut. While not signalling an imminent hike, the Board acknowledged that if inflation proves persistent and the labour market remains strong, a rate increase could be considered in the first half of 2026. For now, rates are likely to stay on hold — provided inflation eases back into the target band as temporary factors wash out.

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corporate note real estate

Zagga secures $65 million bond issuance arranged by FIIG 

Specialist real estate private credit investment manager, Zagga, has secured $65 million through an oversubscribed corporate note arranged by fixed income specialist, FIIG Securities.

The four-year, senior secured note closed 30 per cent over its target figure of $50 million, offering investors access to a quality fixed income investment with a current yield of ~7.85% per annum (Bank Bill Swap Rate (BBSW) + 4.20%).

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rise of private credit

Australia’s real estate obsession fuels the rise of private credit as an income play

STOCKHEAD & THE AUSTRALIAN
Australia’s favourite asset isn’t listed on the ASX. It’s the thing people live in, argue over at auctions, and quietly trust as their financial foundation long after the dinner table conversations have ended.

Today, the residential property market is worth more than $12 trillion – much larger than the size of the Australian sharemarket – with about 55% of household wealth tied up in bricks and mortar.

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dwelling construction

Dwelling construction lifts as interest rates remain on hold

Mixed news on the economy and an uptick in inflation has seen the RBA move to a neutral bias for interest rates. This means that the medium turn outlook has switched from expectations for lower interest rates to one now steady interest rate settings are expected into 2026.

At the same time, the housing market is recovering. New dwelling building approvals have rebounded strongly although the level of activity remains below the rate needed to address the housing shortage.

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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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unemployment

Inflation up, unemployment up — what’s next for rates? 

October brought mixed signals for Australia’s economy — and a growing dilemma for the Reserve Bank.

The RBA held rates steady at its latest meeting, citing elevated inflation and a rising unemployment rate. With its dual mandate to support full employment and keep inflation near 2.5%, the central bank faces a tough choice: cut rates to support jobs, or hike to contain prices.

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investing in real estate Private Credit

3 ways to manage risk when investing in real estate private credit 

Real estate private credit can play defence in portfolios amidst heightened market volatility.

As real estate private credit dominates headlines, it is easy to believe it’s a new, speculative asset class that has just burst onto the scenes. In reality, it’s a globally proven, established asset class with decades of demonstrated success in building more defensive portfolios. In Australia, we are yet to fully realise the scale of this opportunity. By being proactive about risk management, exercising caution amidst uncertainty, and carefully balancing risk and returns, investors can take a risk-off approach to exploring an allocation to real estate private credit and help to unlock its full potential.

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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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