Reshaping the lending landscape

How are today’s trends affecting tomorrow’s market?

Some fundamental themes have been transforming the lending landscape since 2017.

Macroprudential policies are having an impact

Alternative funding is supporting developers and housing supply

The banks have redefined their credit appetites

Brokers can deliver for clients if they can offer alternative lenders

Borrowers need to look at other options, and need guidance

Investors can fill the funding gap, and receive fixed income returns

These different forces are playing out in headlines and across a range of stakeholders.

So, what's next for the lending landscape?

When the banks tightened the screws on credit, what options are available for quality borrowers wishing to explore alternatives to traditional financing avenues?

Read the full discussion paper to understand how non-bank lending became that viable alternative.

Fill out the form below to download the discussion paper and read more.

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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 30 October 2024.

*Average investor return across the active portfolio as at 30 October 2024.

**Target return is after expenses and any applicable management fees for the year ending 30 June 2024. 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.

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