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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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private credit growth

The demise of hybrids to fuel private credit growth: Zagga

THE GOLDEN TIMES
With alternative investments having growing appeal, the need for self-funded retirees and their advisers to do their due diligence has never been more important – as a recent ASIC report highlighted.

The demise of the $40 billion hybrid market by 2032 will simply fuel the growing appeal of private credit – especially for self-funded retirees.

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unemployment

A jump in unemployment renews expectations for interest rate cuts

The unemployment rate spiked to a four year high of 4.5 per cent in September, up from 3.4 per cent at the low of the cycle and is now above the RBA’s forecast made in August for a peak of 4.3 per cent. The result rekindled expectations for further interest rate cuts, as soon as its next meeting on 4 November.

Recall that under the revised mandate of the RBA, maintaining full employment sits along side the inflation target as a fundamental objective of the Bank. The key data ahead of the next RBA meeting is the September quarter inflation data which is scheduled for 29 October.

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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 Information

All portfolio numbers quoted correct as at 31 December 2025.

*Average investor return across the active portfolio as at 31 December 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 should not be taken as an indication or guarantee of future results. Investments involve risk, fees and costs, and returns are not guaranteed. No representation or warranty is made regarding future performance, and economic conditions may change.

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 (including white papers and audio or video content) and FAQs on this website have been prepared by Zagga Investments Pty Limited (AFSL 492354) ACN 615 154 786 (Zagga) for general information only. They do not take into account your objectives, financial situation or needs, and are not a substitute for accounting, tax or other professional advice. Nothing in these articles or FAQs is an offer or solicitation to buy or sell a financial product, nor a recommendation to enter into or refrain from any transaction.

Any analysis provided in the articles (including white papers and audio or video content) or FAQs on this website is based on information believed to be reliable, however Zagga does not represent or warrant that it is accurate, complete or up to date. Zagga is not obliged to update the information or opinions contained in any article it. Opinions are those of the author and may change without notice. Readers should exercise their own judgment when relying on information contained in the articles or FAQs. To the maximum extent permitted by law, no member of Zagga accepts liability for any loss arising from the use of such information.

Media coverage featured reflects the independent opinions of the authors and does not necessarily represent the official views of Zagga.

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