In today’s market, finding investment options that feel both stable and rewarding has become a challenge.
It’s no secret that keeping up with the money market lately has felt a bit like watching your favourite binge-worthy drama series — intense one minute, unpredictable the next, and rarely following a script anyone can trust.
While shares and cryptocurrency continue to grab headlines with their ups and downs, there’s a steadier investment option quietly getting noticed by South Australians looking for something more reliable.
Property debt funds might not be a term you hear at your weekend BBQ just yet, but they’re fast becoming one of the smarter ways to earn regular income without getting swept up in market chaos.
So, what exactly is a property debt fund?
Julia Novella Head of Funds Management explains, “Investors pool their money to provide loans that are secured by real estate. In return, they receive consistent income without having to worry about the sharp ups and downs you often see with shares.”
And the real bonus? These funds aren’t traded daily. This means they avoid the emotional rollercoaster that comes with watching market movements, quietly getting on with the job of delivering returns.
It’s no surprise they’re attracting more attention lately. With the cost of living skyrocketing and inflation making its presence felt, many people are searching for ways to make their money work harder.
But it’s not just about property. Private credit, which is essentially non-bank lending, is having a big moment.
Banks have become tougher on lending due to increased regulation, largely stemming from the Global Financial Crisis. Many have withdrawn from projects where they’ve been required to increase their capital adequacy, making this type of lending less profitable — especially for small to mid-sized businesses and property developers.
This gap in the market has fuelled the growth of private credit. Even developers who qualify for bank loans often choose to borrow from private lenders because it increases their profits. These are well-established developers who can turn over projects faster by accessing non-bank lending.
“For investors, it’s opening up a whole new set of opportunities,” says Julia. “And Adelaide, with its steady property market and growing development scene, is well positioned to benefit.”
For those who’ve always stuck with shares or cash, the idea of diversifying might sound like finance jargon. But right now, it could be the smartest move. It’s about balancing your investments and opening the door to income options that quietly deliver behind the scenes.
For those curious to learn more, Capital Property Funds is hosting a complimentary lunch seminar at the Stamford Plaza Adelaide on Wednesday, 16 April 2025, from 12:15 pm to 2 pm.
It’s a rare chance to get a clear, insider’s look at property debt funds and private credit, hear from industry experts, and see how this strategy might work in your own plans. Whether you’re well-versed in investing or simply looking for fresh ideas, this could be worth exploring.
This will be a relaxed and informative session where you’ll hear directly from Joe Christie, Executive Director at Capital Property Funds. He’ll walk you through how non-bank lending works, why more premium borrowers are choosing private lenders, and how investors can access high-yielding, property-based income without the usual market volatility.
You’ll come away with a clear understanding of how it all fits together — including where you would sit in what’s called the capital stack, what kind of returns are on offer, and why many successful businesses are stepping away from the banks and into this space.
If you’ve been thinking about new ways to grow your wealth or simply want to learn about an alternative investment option, this event is a rare chance to hear from the experts in a friendly, down-to-earth setting. Plus, you’ll enjoy a complimentary lunch right in the heart of Adelaide.
Seats are limited, and bookings are essential.
Capital Property Funds – Adelaide Investment Seminar
Where: Stamford Plaza Adelaide, 50 North Terrace, Adelaide
When: Wednesday, 16 April 2025. 12:15pm to 2pm
To register click here.
Past performance is not indicative of future performance. The distributions and investment returns depend on the performance of the underlying investments. Information contained within this article does not constitute financial advice, nor is it a personal recommendation. Information contained within this article is general in nature and has been prepared without regard to the individual objectives, financial situation, or requirements of any person. Prospective investors should seek personal financial and legal advice before deciding to invest.
