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Over the past decade, investors have increasingly turned to the Australian private credit market. Between 2015 and 2025, Australia’s private credit market increased at a CAGR of 21% to reach $234.5 billion, of which ASIC estimates that approximately half is real estate-focused.
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Since the 50% capital gains tax (CGT) discount was introduced in Australia in 1999, many investors have followed a relatively consistent wealth-building playbook: purchase residential property, absorb short-term cash flow losses via negative gearing, and rely on long-term capital growth supported by favourable tax treatment.
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For decades, the ‘Big Four’ banks were the gatekeepers of Australia’s credit market. If you wanted a loan, you had little choice but to enter a bank branch, where options would be limited to that specific institution’s products.