Private credit can avoid the volatility often seen in public markets for products such as bonds – which are extremely sensitive to interest rate movements and sentiment – instead, providing a predictable income stream based on the loan’s interest rate and duration.
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In summary, economic growth in the Australian economy remains weak, the unemployment rate is rising, wages growth is slowing and inflation is falling back towards the RBA’s 2 to 3 per cent target. The interest rate hikes since May 2022 are working.
INVESTOR DAILY
Explore the dynamic and rapidly evolving world of Australian commercial real estate debt in this webcast featuring Zagga Director, Tom Cranfield.
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As we approach the end of the interest rate rising cycle, we are seeing various indicators stabilise, including building materials, supplies, and stock. This is a positive sign that the market is adjusting, and we are closely monitoring these trends.
At Zagga, we are pleased to have successfully navigated the turbulent waters of the past 12 months… We close 2023 with a sense that economic and market conditions overall will start to improve, with some sunlight now peeking through the clouds… We look forward to the continued support of all of our stakeholders as we sail into 2024. We are ready for whatever the conditions might be.
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While there remains clear evidence of the economy slowing, Stephen Koukoulas, Zagga’s Economist ‘in residence’, also acknowledges the positive trends currently coming to light: “House prices are… stronger, being in the early stages of a cyclical upturn with a surge in demand for housing coming from sharply higher immigration and supply being constrained by low levels of new dwelling construction.”
ETHIUM WEALTH
Zagga CEO spoke with Michael Downing from Ethium Wealth and shared his thoughts on the macroeconomic environment
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
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.
