The
Broker
Times
The Private Credit Revolution
Breaking News for Modern Brokers
Total Market Size (AUM)
A$224
Billion
Market Growth Comparison
Traditional Banks (CAGR)
5%
Private Credit (CAGR)
20%
Corporate Lending
$132bn
14% Share
Comm. Real Estate
$92bn
18% Share
Why Is This Happening?
Institutional Capital
Insurers and Super Funds are hunting for yield and liability-matching assets.
The ADI Retreat
Basel regulations and algorithmic scoring force banks to reject complex borrowers.
Market Maturation
Consolidation of managers increases governance and reduces reputational risk.
Product Innovation
Moving beyond distress lending into growth capital and prime-alt solutions.
Regulatory Cliff
Feb 1, 2026
APRA DTI Limit
Macroprudential
ADIs capped at 20% of new loans with Debt-to-Income ratio ≥ 6x.
The Opportunity
-
Investors displaced from banks migrate to specialist lenders.
-
Clear regulatory arbitrage for non-bank solutions.
Specialist Solutions
Three players redefining access.
Resimac
90% LVR
Prime Alt Doc
- Capitalized Risk Fee
- 6 Month BAS
Liberty
Custom
Life Event
- Ignore Score
- Assess the Event
PMA
No-Doc
Commercial
- 5-Day Settlement
- Asset Based
The "Credit Rehab" Strategy
1
Triage
Place in Specialist Product
2
Rehab
12-24 Months Conduct
3
Graduate
Refinance to Prime