What is private credit?
Private credit refers to loans and other forms of debt financing provided by non-bank lenders rather than traditional banks. In Australia, the private credit market has grown significantly over the past decade, driven by regulatory changes that have led banks to reduce their exposure to certain types of property lending, and…
What is bridging finance?
Bridging finance is a form of short-term lending designed to provide temporary capital during a transitional period in a property transaction. It is commonly used when there is a timing gap between the purchase of a new property and the sale of an existing one, or when a borrower needs to…
What is a construction loan?
A construction loan is a short-term financing facility used to fund the building or development of residential, commercial, or mixed-use property. Unlike a standard property loan, construction finance is drawn down in stages as building milestones are reached, rather than advanced as a single lump sum at settlement.
In Brisbane…
How does non-bank lending differ from bank lending?
The Australian property finance market offers developers two broad categories of funding: traditional bank lending through authorised deposit-taking institutions (ADIs) regulated by APRA, and non-bank lending through alternative finance providers regulated by ASIC. While both serve the same fundamental purpose of providing capital for property projects, they…
Independent property valuations are a critical safeguard in property-backed lending. Learn why they matter and how they protect borrowers and investors.
Property development finance is a specialised form of lending. Learn how construction and development loans are structured, assessed, and managed in Australia.
First and second mortgages carry different levels of risk and priority. Understand the key differences and what they mean for property borrowers and wholesale investors.
Loan-to-value ratios (LVRs) are a key measure in property-backed lending. Learn how LVRs work, why they matter, and how they help protect both borrowers and investors.
Non-bank lenders play a growing role in Australian property finance. Learn what non-bank lending is, how it works, and why developers and investors are turning to alternative capital sources.