Congratulations!

[Valid RSS] This is a valid RSS feed.

Recommendations

This feed is valid, but interoperability with the widest range of feed readers could be improved by implementing the following recommendations.

Source: https://arkcapital.com.au/feed/

  1. <?xml version="1.0" encoding="UTF-8"?><rss version="2.0"
  2. xmlns:content="http://purl.org/rss/1.0/modules/content/"
  3. xmlns:wfw="http://wellformedweb.org/CommentAPI/"
  4. xmlns:dc="http://purl.org/dc/elements/1.1/"
  5. xmlns:atom="http://www.w3.org/2005/Atom"
  6. xmlns:sy="http://purl.org/rss/1.0/modules/syndication/"
  7. xmlns:slash="http://purl.org/rss/1.0/modules/slash/"
  8. >
  9.  
  10. <channel>
  11. <title>Ark Capital</title>
  12. <atom:link href="https://arkcapital.com.au/feed/" rel="self" type="application/rss+xml" />
  13. <link>https://arkcapital.com.au/</link>
  14. <description>Real Estate Debt Funds</description>
  15. <lastBuildDate>Wed, 17 Sep 2025 05:46:23 +0000</lastBuildDate>
  16. <language>en-AU</language>
  17. <sy:updatePeriod>
  18. hourly </sy:updatePeriod>
  19. <sy:updateFrequency>
  20. 1 </sy:updateFrequency>
  21. <generator>https://wordpress.org/?v=6.8.2</generator>
  22.  
  23. <image>
  24. <url>https://arkcapital.com.au/wp-content/uploads/2025/01/cropped-icon-32x32.png</url>
  25. <title>Ark Capital</title>
  26. <link>https://arkcapital.com.au/</link>
  27. <width>32</width>
  28. <height>32</height>
  29. </image>
  30. <item>
  31. <title>Ark Capital Expands into Queensland</title>
  32. <link>https://arkcapital.com.au/news-insights/news-ark-capital-expands-queensland/</link>
  34. <dc:creator><![CDATA[Marketing]]></dc:creator>
  35. <pubDate>Tue, 16 Sep 2025 00:23:58 +0000</pubDate>
  36. <category><![CDATA[News and Insights]]></category>
  37. <guid isPermaLink="false">https://arkcapital.com.au/?p=5095</guid>
  38.  
  39. <description><![CDATA[<p>As Ark Capital celebrates its 10th anniversary, we are proud to reflect on a decade of growth in delivering private credit and funding solutions to developers across Australia. </p>
  40. <p>The post <a href="https://arkcapital.com.au/news-insights/news-ark-capital-expands-queensland/">Ark Capital Expands into Queensland</a> appeared first on <a href="https://arkcapital.com.au">Ark Capital</a>.</p>
  41. ]]></description>
  42. <content:encoded><![CDATA[<div class="wpb-content-wrapper"><div data-parent="true" class="vc_row row-container" id="row-unique-0"><div class="row double-top-padding double-bottom-padding single-h-padding limit-width row-parent"><div class="wpb_row row-inner"><div class="wpb_column pos-top pos-center align_left column_parent col-lg-12 single-internal-gutter"><div class="uncol style-light"  ><div class="uncoltable"><div class="uncell no-block-padding" ><div class="uncont" ><div class="vc_row row-internal row-container"><div class="row row-child"><div class="wpb_row row-inner"><div class="wpb_column pos-top pos-center align_left column_child col-lg-2 single-internal-gutter"><div class="uncol style-light" ><div class="uncoltable"><div class="uncell no-block-padding" ><div class="uncont" ></div></div></div></div></div><div class="wpb_column pos-top pos-left align_left column_child col-lg-10 single-internal-gutter"><div class="uncol style-light" ><div class="uncoltable"><div class="uncell no-block-padding" ><div class="uncont" style=" max-width:80%;" ><div class="uncode_text_column text-lead" ><p>In July 2025, Ark Capital expanded into Queensland with a permanent presence, driving business growth across the state and northern New South Wales. The strategic Ark Capital expansion into <a href="https://www.queensland.com/au/en/home">Queensland</a> recognizes the region’s exceptional growth in residential housing demand. Appointing a dedicated State Director for Queensland, our mandate is clear: grow the Ark Capital brand and business in the northern states while helping developers access the funding and capital partnership solutions they need to deliver housing supply.</p>
  43. </div><div class="vc_custom_heading_wrap "><div class="heading-text el-text" ><h3 class="h4 text-color-prif-color" ><span>Why Ark Capital Chose Queensland for Expansion</span></h3></div><div class="clear"></div></div><div class="uncode_text_column" ><p>Queensland has been one of the strongest growth <a href="https://www.qgso.qld.gov.au">markets</a> in Australia. <a href="https://immi.homeaffairs.gov.au">Migration</a> has been a key driver: interstate migration combined with new permanent visa holders particularly from New Zealand fuelled a 72% increase in arrivals from 2023 to 2024.</p>
  44. <p>Population growth in Queensland peaked at 2.6% in 2022/23, matching the highs seen during 2007–2009. Even as growth moderated to 2.3% in 2023/24, that represented more than 125,000 new residents.</p>
  45. <p>Every one of those new Queenslanders requires housing, which has driven a surge in demand and contributed to land price growth in Southeast Queensland, second only to Adelaide over the past five years.</p>
  46. </div><div class="vc_custom_heading_wrap "><div class="heading-text el-text" ><h3 class="h4 text-color-prif-color" ><span>Ark Capital’s Approach to Funding and Partnerships</span></h3></div><div class="clear"></div></div><div class="uncode_text_column" ><p>At Ark Capital, we pride ourselves on being partners as well as lenders. Our goal is not only to provide competitive funding but also to work alongside developers to accelerate housing supply, particularly in greenfield subdivisions and residential land development finance throughout Queensland’s growth corridors.</p>
  47. <p>Our approach includes:</p>
  48. <ul>
  49. <li>First mortgage lending products tailored to the needs of developers.</li>
  50. <li>True equity partnership opportunities that align our interests with those of our development partners.</li>
  51. <li>Industry insight and empathy, informed by many years of experience on the borrower side, giving us a clear understanding of the challenges developers face.</li>
  52. </ul>
  53. <p>By combining private <a href="https://www.afr.com">credit</a> expertise with a relationship-driven approach, Ark Capital supports developers in delivering the homes Queensland urgently needs.</p>
  54. </div><div class="vc_custom_heading_wrap "><div class="heading-text el-text" ><h3 class="h4 text-color-prif-color" ><span>Looking Ahead</span></h3></div><div class="clear"></div></div><div class="uncode_text_column" ><p>The decision to open a permanent office in Queensland is an exciting step for Ark Capital. We look forward to building strong, long-term relationships with developers, broker networks, and advisers across the state.</p>
  55. <p>Queensland represents both a unique opportunity for Ark Capital and a responsibility to help address the housing supply shortage with flexible, transparent funding solutions for wholesale investors and developers.</p>
  56. <p>Together with our partners, we are committed to delivering growth, trust, and results that will shape the future of residential development in Queensland.</p>
  57. </div><div class="uncode_text_column" ><p>Want more insights like this? Follow <a href="https://www.linkedin.com/in/justinreidy/">Justin Reidy </a><a href="https://www.linkedin.com/in/justinreidy/">on LinkedIn. </a></p>
  58. </div><div class="uncode_text_column text-small" ><p>Article written by Justin Reidy &#8211; State Director &#8211; Queensland</p>
  59. <p><span class="TextRun SCXW30386806 BCX0" lang="EN-AU" xml:lang="EN-AU" data-contrast="none"><span class="NormalTextRun Superscript SCXW30386806 BCX0" data-fontsize="14" data-ccp-charstyle="Emphasis">The commentary in </span><span class="NormalTextRun Superscript SCXW30386806 BCX0" data-fontsize="14" data-ccp-charstyle="Emphasis">this article in </span><span class="NormalTextRun Superscript SCXW30386806 BCX0" data-fontsize="14" data-ccp-charstyle="Emphasis">no way </span><span class="NormalTextRun Superscript SCXW30386806 BCX0" data-fontsize="14" data-ccp-charstyle="Emphasis">constitutes</span><span class="NormalTextRun Superscript SCXW30386806 BCX0" data-fontsize="14" data-ccp-charstyle="Emphasis"> a solicitation of</span> <span class="NormalTextRun Superscript SCXW30386806 BCX0" data-fontsize="14" data-ccp-charstyle="Emphasis">business or product advice</span><span class="NormalTextRun Superscript SCXW30386806 BCX0" data-fontsize="14" data-ccp-charstyle="Emphasis">.  </span><span class="NormalTextRun Superscript SCXW30386806 BCX0" data-fontsize="14" data-ccp-charstyle="Emphasis">It is expressed solely as the opinion of the author</span><span class="NormalTextRun Superscript SCXW30386806 BCX0" data-fontsize="14" data-ccp-charstyle="Emphasis">,</span><span class="NormalTextRun Superscript SCXW30386806 BCX0" data-fontsize="14" data-ccp-charstyle="Emphasis"> and as general information for the reader</span><span class="NormalTextRun Superscript SCXW30386806 BCX0" data-fontsize="14" data-ccp-charstyle="Emphasis">. It i</span><span class="NormalTextRun Superscript SCXW30386806 BCX0" data-fontsize="14" data-ccp-charstyle="Emphasis">s </span><span class="NormalTextRun Superscript SCXW30386806 BCX0" data-fontsize="14" data-ccp-charstyle="Emphasis">not information to be relied upon in making <a href="https://arkcapital.com.au/news-insights/a-methodology-driver-approach-to-real-estate-investment/">investment decisions</a></span><span class="NormalTextRun Superscript SCXW30386806 BCX0" data-fontsize="14" data-ccp-charstyle="Emphasis">.</span></span></p>
  60. </div>
  61. <div class="wpb_raw_code wpb_raw_html " >
  62. <div class="wpb_wrapper">
  63. <button class="custom-link btn btn-sm border-width-0 btn-accent btn-icon-left cursor-init" id="linkedin-share-btn">Share Article</button>
  64.  
  65. <script>
  66. document.getElementById("linkedin-share-btn").addEventListener("click", function () {
  67.    // Find canonical link in the page
  68.    const canonicalLink = document.querySelector('link[rel="canonical"]');
  69.    if (!canonicalLink) return;
  70.  
  71.    // Get and encode canonical URL
  72.    const canonicalUrl = canonicalLink.href;
  73.    const shareUrl = `https://www.linkedin.com/sharing/share-offsite/?url=${encodeURIComponent(canonicalUrl)}`;
  74.  
  75.    // Open in new tab
  76.    window.open(shareUrl, "_blank", "noopener,noreferrer");
  77. });
  78. </script>
  79. </div>
  80. </div>
  81. </div></div></div></div></div></div></div></div></div></div></div></div></div><script id="script-row-unique-0" data-row="script-row-unique-0" type="text/javascript" class="vc_controls">UNCODE.initRow(document.getElementById("row-unique-0"));</script></div></div></div><div data-parent="true" class="vc_row row-container" id="row-unique-1"><div class="row limit-width row-parent"><div class="wpb_row row-inner"><div class="wpb_column pos-top pos-center align_left column_parent col-lg-12 single-internal-gutter"><div class="uncol style-light"  ><div class="uncoltable"><div class="uncell no-block-padding" ><div class="uncont" ><div class="uncode_text_column" ></div></div></div></div></div></div><script id="script-row-unique-1" data-row="script-row-unique-1" type="text/javascript" class="vc_controls">UNCODE.initRow(document.getElementById("row-unique-1"));</script></div></div></div>
  82. </div><p>The post <a href="https://arkcapital.com.au/news-insights/news-ark-capital-expands-queensland/">Ark Capital Expands into Queensland</a> appeared first on <a href="https://arkcapital.com.au">Ark Capital</a>.</p>
  83. ]]></content:encoded>
  87. </item>
  88. <item>
  89. <title>Bedrock Mortgage Fund: August 2025</title>
  90. <link>https://arkcapital.com.au/news-insights/bedrock-mortgage-fund-august-2025/</link>
  92. <dc:creator><![CDATA[Marketing]]></dc:creator>
  93. <pubDate>Mon, 15 Sep 2025 04:26:37 +0000</pubDate>
  94. <category><![CDATA[Bedrock]]></category>
  95. <guid isPermaLink="false">https://arkcapital.com.au/?p=5048</guid>
  96.  
  97. <description><![CDATA[<p>The Bedrock fund continues to perform well, with an annualised distribution of 10.50% in August, or the RBA cash rate + 6.90%.</p>
  98. <p>The post <a href="https://arkcapital.com.au/news-insights/bedrock-mortgage-fund-august-2025/">Bedrock Mortgage Fund: August 2025</a> appeared first on <a href="https://arkcapital.com.au">Ark Capital</a>.</p>
  99. ]]></description>
  100. <content:encoded><![CDATA[<div class="wpb-content-wrapper"><div data-parent="true" class="vc_row row-container" id="row-unique-2"><div class="row double-top-padding double-bottom-padding single-h-padding limit-width row-parent"><div class="wpb_row row-inner"><div class="wpb_column pos-top pos-center align_left column_parent col-lg-12 single-internal-gutter"><div class="uncol style-light"  ><div class="uncoltable"><div class="uncell no-block-padding" ><div class="uncont" ><div class="vc_row row-internal row-container"><div class="row row-child"><div class="wpb_row row-inner"><div class="wpb_column pos-top pos-center align_left column_child col-lg-2 mobile-hidden single-internal-gutter"><div class="uncol style-light" ><div class="uncoltable"><div class="uncell no-block-padding" ><div class="uncont" ></div></div></div></div></div><div class="wpb_column pos-top pos-left align_left column_child col-lg-10 single-internal-gutter"><div class="uncol style-light" ><div class="uncoltable"><div class="uncell no-block-padding" ><div class="uncont" style=" max-width:80%;" ><div class="vc_custom_heading_wrap "><div class="heading-text el-text" ><h3 class="h4" ><span>The month&#8217;s annualised performance was impacted negatively (~20bps) by a lower cash utilisation than the Manager had wished, due to delayed settlement of several loans approved for investment by Bedrock&#8217;s investment committee.</span></h3></div><div class="clear"></div></div><div class="uncode_text_column" ></p>
  101. <p class="p2">Not unexpectedly we are seeing that the RBA’s rate trajectory has impacted new loan pricing and terms. We estimate that market interest rates for new loans have fallen by ~100bps since January ’25. The fund’s key diversity metrics remained strong in August, with the month end position being 28 loans to 21 borrowers, and a strong geographical spread across 8 discreet regions.</p>
  102. <p class="p2">August saw execution of a planned “rebalancing” within the portfolio, with the sell-down of a previously over-weight position. The fund’s largest single loan and borrower exposures now represent 12% and 17% respectively. The fund’s bias toward the lower-risk loan types of residential / industrial land and civil construction loans remains at ~80% of the portfolio.</p>
  103. <p>
  104. </div><span class="btn-container" ><a href="https://arkcapital.com.au/wp-content/uploads/2025/09/ArkCapital_FactSheet_2025_Bedrock_August.pdf" class="custom-link btn border-width-0 btn-default btn-icon-left">View Full Report</a></span></div></div></div></div></div></div></div></div></div></div></div></div></div><script id="script-row-unique-2" data-row="script-row-unique-2" type="text/javascript" class="vc_controls">UNCODE.initRow(document.getElementById("row-unique-2"));</script></div></div></div>
  105. </div><p>The post <a href="https://arkcapital.com.au/news-insights/bedrock-mortgage-fund-august-2025/">Bedrock Mortgage Fund: August 2025</a> appeared first on <a href="https://arkcapital.com.au">Ark Capital</a>.</p>
  106. ]]></content:encoded>
  110. </item>
  111. <item>
  112. <title>Unlocking Opportunities in NSW&#8217;s Low-Medium Density Residential Zoning</title>
  113. <link>https://arkcapital.com.au/news-insights/insights-low-medium-density-residential-nsw/</link>
  115. <dc:creator><![CDATA[Marketing]]></dc:creator>
  116. <pubDate>Thu, 11 Sep 2025 00:59:28 +0000</pubDate>
  117. <category><![CDATA[News and Insights]]></category>
  118. <guid isPermaLink="false">https://arkcapital.com.au/?p=4964</guid>
  119.  
  120. <description><![CDATA[<p>Zoning is pivotal in property development, it dictates what can be built, the potential sale value, and ultimately, a project's feasibility. </p>
  121. <p>The post <a href="https://arkcapital.com.au/news-insights/insights-low-medium-density-residential-nsw/">Unlocking Opportunities in NSW&#8217;s Low-Medium Density Residential Zoning</a> appeared first on <a href="https://arkcapital.com.au">Ark Capital</a>.</p>
  122. ]]></description>
  123. <content:encoded><![CDATA[<div class="wpb-content-wrapper"><div data-parent="true" class="vc_row row-container" id="row-unique-3"><div class="row double-top-padding double-bottom-padding single-h-padding limit-width row-parent"><div class="wpb_row row-inner"><div class="wpb_column pos-top pos-center align_left column_parent col-lg-12 single-internal-gutter"><div class="uncol style-light"  ><div class="uncoltable"><div class="uncell no-block-padding" ><div class="uncont" ><div class="vc_row row-internal row-container"><div class="row row-child"><div class="wpb_row row-inner"><div class="wpb_column pos-top pos-center align_left column_child col-lg-2 single-internal-gutter"><div class="uncol style-light" ><div class="uncoltable"><div class="uncell no-block-padding" ><div class="uncont" ></div></div></div></div></div><div class="wpb_column pos-top pos-left align_left column_child col-lg-10 single-internal-gutter"><div class="uncol style-light" ><div class="uncoltable"><div class="uncell no-block-padding" ><div class="uncont" style=" max-width:80%;" ><div class="uncode_text_column text-lead" ><p><span data-contrast="auto">In New South Wales, the introduction of the Low-Medium Density Residential (LMR) <a href="http://www.planning.nsw.gov.au/policy-and-legislation/housing/low-rise-housing-diversity/low-rise-housing-diversity">framework</a> has created a nuanced landscape for developers. Positioned between traditional single-dwelling suburbs and high-rise developments, LMR offers both opportunities and challenges.</span></p>
  124. </div><div class="vc_custom_heading_wrap "><div class="heading-text el-text" ><h3 class="h4 text-color-prif-color" ><span>Why LMR is Gaining Traction Among Developers</span></h3></div><div class="clear"></div></div><div class="uncode_text_column" ></p>
  125. <ul>
  126. <li>LMR housing, such as townhouses, terraces and boutique apartments appeals to a diverse buyer pool, including downsizers, young families and investors. This demand translates to quicker sales and robust rental yields.</li>
  127. <li>Compared to high-rise projects, LMR <a href="https://www.planning.nsw.gov.au/">developments</a> typically involve smaller-scale constructions, leading to reduced construction costs and less exposure to market volatility.</li>
  128. <li>With streamlined approval processes and shorter build durations, developers can achieve faster project completions, enhancing capital turnover.</li>
  129. <li>LMR projects often encounter fewer objections from local councils and communities, leading to smoother planning processes and reduced holding costs.</li>
  130. </ul>
  131. <p>
  132. </div><div class="vc_custom_heading_wrap "><div class="heading-text el-text" ><h3 class="h4 text-color-prif-color" ><span>Challenges to Consider</span></h3></div><div class="clear"></div></div><div class="uncode_text_column" ></p>
  133. <ul>
  134. <li aria-setsize="-1" data-leveltext="" data-font="Symbol" data-listid="19" data-list-defn-props="{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:&#091;8226&#093;,&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}" data-aria-posinset="1" data-aria-level="1"><span data-contrast="auto">The density and height restrictions inherent in LMR zoning can cap profit margins, making meticulous planning essential.</span><span data-ccp-props="{}"> </span></li>
  135. </ul>
  136. <ul>
  137. <li aria-setsize="-1" data-leveltext="" data-font="Symbol" data-listid="19" data-list-defn-props="{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:&#091;8226&#093;,&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}" data-aria-posinset="2" data-aria-level="1"><span data-contrast="auto">Vendors may price LMR-zoned land at a premium, necessitating careful feasibility assessments to ensure project viability.</span><span data-ccp-props="{}"> </span></li>
  138. </ul>
  139. <ul>
  140. <li aria-setsize="-1" data-leveltext="" data-font="Symbol" data-listid="19" data-list-defn-props="{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:&#091;8226&#093;,&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}" data-aria-posinset="3" data-aria-level="1"><span data-contrast="auto">Each Local Government Area (LGA) may have unique requirements regarding setbacks, parking and landscaping, adding complexity to development plans.</span><span data-ccp-props="{}"> </span></li>
  141. </ul>
  142. <ul>
  143. <li aria-setsize="-1" data-leveltext="" data-font="Symbol" data-listid="19" data-list-defn-props="{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:&#091;8226&#093;,&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}" data-aria-posinset="4" data-aria-level="1"><span data-contrast="auto">Despite being considered &#8220;neighbourhood-friendly,&#8221; LMR projects can still face community opposition, leading to potential delays.</span><span data-ccp-props="{}"> </span></li>
  144. </ul>
  145. <p>
  146. </div><div class="vc_custom_heading_wrap "><div class="heading-text el-text" ><h3 class="h4 text-color-prif-color" ><span>Ark Capital&#8217;s Role in Supporting Developers</span></h3></div><div class="clear"></div></div><div class="uncode_text_column" ><p>At Ark Capital, we recognise the intricacies involved in LMR developments. Our tailored finance solutions are designed to address the specific needs of developers operating within this framework.</p>
  147. <p>Drawing insights from our biannual Property <a href="https://arkcapital.com.au/annual-report-business-in-review-2024-2025/">Outlook</a>, our winter edition report provided us with in depth research and insights that underpinned where we operate within the current market dynamics and positioned us to offer:</p>
  148. <ul>
  149. <li>Customisation to meet the unique requirements of LMR projects.</li>
  150. <li>Leveraging our industry knowledge to assist developers in navigating zoning challenges and optimizing project outcomes.</li>
  151. <li>Streamlined procedures to facilitate timely project approvals and completions.</li>
  152. </ul>
  153. <p><span data-contrast="auto">As a trusted intermediary, your role in connecting developers with the right financial partners is crucial. By referring your developer clients to Ark Capital, you ensure they have access to:</span><span data-ccp-props="{}"> </span></p>
  154. <ul>
  155. <li aria-setsize="-1" data-leveltext="" data-font="Symbol" data-listid="21" data-list-defn-props="{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:&#091;8226&#093;,&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}" data-aria-posinset="1" data-aria-level="1"><span data-contrast="auto">Our team&#8217;s deep understanding of the LMR landscape.</span><span data-ccp-props="{}"> </span></li>
  156. </ul>
  157. <ul>
  158. <li aria-setsize="-1" data-leveltext="" data-font="Symbol" data-listid="21" data-list-defn-props="{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:&#091;8226&#093;,&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}" data-aria-posinset="2" data-aria-level="1"><span data-contrast="auto">Access to funds that cater to the specific needs of LMR developments.</span><span data-ccp-props="{}"> </span></li>
  159. </ul>
  160. <ul>
  161. <li aria-setsize="-1" data-leveltext="" data-font="Symbol" data-listid="21" data-list-defn-props="{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:&#091;8226&#093;,&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}" data-aria-posinset="3" data-aria-level="1"><span data-contrast="auto">Assistance in overcoming zoning challenges and maximising project potential.</span><span data-ccp-props="{}"> </span></li>
  162. </ul>
  163. <p><span data-ccp-props="{}"> </span></p>
  164. <p><span data-contrast="auto">By facilitating these connections, you not only support your clients&#8217; success but also strengthen your position as a valuable advisor in the property development sector.</span><span data-ccp-props="{}"> </span></p>
  165. </div><div class="uncode_text_column" ><p>Article written by Jonathan McGrath, Executive Director – Origination &amp; Execution</p>
  166. <p><span class="TextRun SCXW30386806 BCX0" lang="EN-AU" xml:lang="EN-AU" data-contrast="none"><span class="NormalTextRun Superscript SCXW30386806 BCX0" data-fontsize="14" data-ccp-charstyle="Emphasis">The commentary in </span><span class="NormalTextRun Superscript SCXW30386806 BCX0" data-fontsize="14" data-ccp-charstyle="Emphasis">this article in </span><span class="NormalTextRun Superscript SCXW30386806 BCX0" data-fontsize="14" data-ccp-charstyle="Emphasis">no way </span><span class="NormalTextRun Superscript SCXW30386806 BCX0" data-fontsize="14" data-ccp-charstyle="Emphasis">constitutes</span><span class="NormalTextRun Superscript SCXW30386806 BCX0" data-fontsize="14" data-ccp-charstyle="Emphasis"> a solicitation of</span> <span class="NormalTextRun Superscript SCXW30386806 BCX0" data-fontsize="14" data-ccp-charstyle="Emphasis">business or product advice</span><span class="NormalTextRun Superscript SCXW30386806 BCX0" data-fontsize="14" data-ccp-charstyle="Emphasis">.  </span><span class="NormalTextRun Superscript SCXW30386806 BCX0" data-fontsize="14" data-ccp-charstyle="Emphasis">It is expressed solely as the opinion of the author</span><span class="NormalTextRun Superscript SCXW30386806 BCX0" data-fontsize="14" data-ccp-charstyle="Emphasis">,</span><span class="NormalTextRun Superscript SCXW30386806 BCX0" data-fontsize="14" data-ccp-charstyle="Emphasis"> and as general information for the reader</span><span class="NormalTextRun Superscript SCXW30386806 BCX0" data-fontsize="14" data-ccp-charstyle="Emphasis">. It i</span><span class="NormalTextRun Superscript SCXW30386806 BCX0" data-fontsize="14" data-ccp-charstyle="Emphasis">s </span><span class="NormalTextRun Superscript SCXW30386806 BCX0" data-fontsize="14" data-ccp-charstyle="Emphasis">not information to be relied upon in making <a href="https://arkcapital.com.au/news-insights/a-methodology-driver-approach-to-real-estate-investment/">investment decisions</a></span><span class="NormalTextRun Superscript SCXW30386806 BCX0" data-fontsize="14" data-ccp-charstyle="Emphasis">.</span></span></p>
  167. </div><div class="uncode_text_column" ><p>If you’re an investor, borrower or strategic partner who values forward-thinking leadership, now is the right time to <a href="https://arkcapital.com.au/contact/">connect</a>.</p>
  168. <p>Let’s talk about where you want to go and how we can help you get there.</p>
  169. </div><div class="uncode_text_column text-small" ><p><span class="TextRun SCXW30386806 BCX0" lang="EN-AU" xml:lang="EN-AU" data-contrast="none"><span class="NormalTextRun Superscript SCXW30386806 BCX0" data-fontsize="14" data-ccp-charstyle="Emphasis">The commentary in </span><span class="NormalTextRun Superscript SCXW30386806 BCX0" data-fontsize="14" data-ccp-charstyle="Emphasis">this article in </span><span class="NormalTextRun Superscript SCXW30386806 BCX0" data-fontsize="14" data-ccp-charstyle="Emphasis">no way </span><span class="NormalTextRun Superscript SCXW30386806 BCX0" data-fontsize="14" data-ccp-charstyle="Emphasis">constitutes</span><span class="NormalTextRun Superscript SCXW30386806 BCX0" data-fontsize="14" data-ccp-charstyle="Emphasis"> a solicitation of</span> <span class="NormalTextRun Superscript SCXW30386806 BCX0" data-fontsize="14" data-ccp-charstyle="Emphasis">business or product advice</span><span class="NormalTextRun Superscript SCXW30386806 BCX0" data-fontsize="14" data-ccp-charstyle="Emphasis">.  </span><span class="NormalTextRun Superscript SCXW30386806 BCX0" data-fontsize="14" data-ccp-charstyle="Emphasis">It is expressed solely as the opinion of the author</span><span class="NormalTextRun Superscript SCXW30386806 BCX0" data-fontsize="14" data-ccp-charstyle="Emphasis">,</span><span class="NormalTextRun Superscript SCXW30386806 BCX0" data-fontsize="14" data-ccp-charstyle="Emphasis"> and as general information for the reader</span><span class="NormalTextRun Superscript SCXW30386806 BCX0" data-fontsize="14" data-ccp-charstyle="Emphasis">. It i</span><span class="NormalTextRun Superscript SCXW30386806 BCX0" data-fontsize="14" data-ccp-charstyle="Emphasis">s </span><span class="NormalTextRun Superscript SCXW30386806 BCX0" data-fontsize="14" data-ccp-charstyle="Emphasis">not information to be relied upon in making <a href="https://arkcapital.com.au/news-insights/a-methodology-driver-approach-to-real-estate-investment/">investment decisions</a></span><span class="NormalTextRun Superscript SCXW30386806 BCX0" data-fontsize="14" data-ccp-charstyle="Emphasis">.</span></span></p>
  170. </div>
  171. <div class="wpb_raw_code wpb_raw_html " >
  172. <div class="wpb_wrapper">
  173. <button class="custom-link btn btn-sm border-width-0 btn-accent btn-icon-left cursor-init" id="linkedin-share-btn">Share Article</button>
  174.  
  175. <script>
  176. document.getElementById("linkedin-share-btn").addEventListener("click", function () {
  177.    // Find canonical link in the page
  178.    const canonicalLink = document.querySelector('link[rel="canonical"]');
  179.    if (!canonicalLink) return;
  180.  
  181.    // Get and encode canonical URL
  182.    const canonicalUrl = canonicalLink.href;
  183.    const shareUrl = `https://www.linkedin.com/sharing/share-offsite/?url=${encodeURIComponent(canonicalUrl)}`;
  184.  
  185.    // Open in new tab
  186.    window.open(shareUrl, "_blank", "noopener,noreferrer");
  187. });
  188. </script>
  189. </div>
  190. </div>
  191. </div></div></div></div></div></div></div></div></div></div></div></div></div><script id="script-row-unique-3" data-row="script-row-unique-3" type="text/javascript" class="vc_controls">UNCODE.initRow(document.getElementById("row-unique-3"));</script></div></div></div><div data-parent="true" class="vc_row row-container" id="row-unique-4"><div class="row limit-width row-parent"><div class="wpb_row row-inner"><div class="wpb_column pos-top pos-center align_left column_parent col-lg-12 single-internal-gutter"><div class="uncol style-light"  ><div class="uncoltable"><div class="uncell no-block-padding" ><div class="uncont" ></div></div></div></div></div><script id="script-row-unique-4" data-row="script-row-unique-4" type="text/javascript" class="vc_controls">UNCODE.initRow(document.getElementById("row-unique-4"));</script></div></div></div>
  192. </div><p>The post <a href="https://arkcapital.com.au/news-insights/insights-low-medium-density-residential-nsw/">Unlocking Opportunities in NSW&#8217;s Low-Medium Density Residential Zoning</a> appeared first on <a href="https://arkcapital.com.au">Ark Capital</a>.</p>
  193. ]]></content:encoded>
  197. </item>
  198. <item>
  199. <title>Why Ark is Chasing the Right Part of the $90 Billion Property Boom</title>
  200. <link>https://arkcapital.com.au/news-insights/land-advantage-in-private-credit/</link>
  202. <dc:creator><![CDATA[Marketing]]></dc:creator>
  203. <pubDate>Wed, 10 Sep 2025 00:27:00 +0000</pubDate>
  204. <category><![CDATA[News and Insights]]></category>
  205. <guid isPermaLink="false">https://arkcapital.com.au/?p=4842</guid>
  206.  
  207. <description><![CDATA[<p>CBRE’s comprehensive Private Credit in Australian Real Estate, June 2025 report reinforces the market dynamics we’ve been observing and validates Ark Capital’s positioning within this evolving sector.</p>
  208. <p>The post <a href="https://arkcapital.com.au/news-insights/land-advantage-in-private-credit/">Why Ark is Chasing the Right Part of the $90 Billion Property Boom</a> appeared first on <a href="https://arkcapital.com.au">Ark Capital</a>.</p>
  209. ]]></description>
  210. <content:encoded><![CDATA[<div class="wpb-content-wrapper"><div data-parent="true" class="vc_row row-container" id="row-unique-5"><div class="row double-top-padding double-bottom-padding single-h-padding limit-width row-parent"><div class="wpb_row row-inner"><div class="wpb_column pos-top pos-center align_left column_parent col-lg-12 single-internal-gutter"><div class="uncol style-light"  ><div class="uncoltable"><div class="uncell no-block-padding" ><div class="uncont" ><div class="vc_row row-internal row-container"><div class="row row-child"><div class="wpb_row row-inner"><div class="wpb_column pos-top pos-center align_left column_child col-lg-2 single-internal-gutter"><div class="uncol style-light" ><div class="uncoltable"><div class="uncell no-block-padding" ><div class="uncont" ></div></div></div></div></div><div class="wpb_column pos-top pos-left align_left column_child col-lg-10 single-internal-gutter"><div class="uncol style-light" ><div class="uncoltable"><div class="uncell no-block-padding" ><div class="uncont" style=" max-width:80%;" ><div class="uncode_text_column text-lead" ><p>The scale of opportunity is substantial: Australia&#8217;s private real estate <a href="http://www.cbre.com.au">credit</a> market sits at $50 billion today and is forecast to reach $90 billion by <a href="http://www.propertybuzz.com.au/2025/06/12/private-credit-tipped-to-play-90bn-role-in-australian-real-estate-funding-by-2029">2029</a>. Independent research also supports this outlook, with <a href="https://www.broadridge.com/article/asset-management/australias-booming-private-credit-market-growth-challenges-and-the-future">Broadridge</a> projecting Australia’s private credit AUM to rise from around 100 billion today to 154 billion by 2026, reflecting structural shifts in lending dynamics but what really stands out is where this growth is concentrated.</p>
  211. <p>Private credit penetration growth in residential development has jumped from 14.7% in 2019 to 26% today, with projections of 35% by 2030. This isn&#8217;t just growth &#8211; it&#8217;s a fundamental shift in how residential development gets funded, with non-bank lenders capturing an increasingly dominant share.</p>
  212. </div><div class="empty-space empty-half" ><span class="empty-space-inner"></span></div>
  213. <div class="uncode-single-media  text-left"><div class="single-wrapper" style="max-width: 100%;"><div class="tmb tmb-light  tmb-img-ratio tmb-media-first tmb-media-last tmb-content-overlay tmb-no-bg"><div class="t-inside"><div class="t-entry-visual"><div class="t-entry-visual-tc"><div class="uncode-single-media-wrapper"><div class="dummy" style="padding-top: 50%;"></div><img fetchpriority="high" decoding="async" class="wp-image-4908" src="https://arkcapital.com.au/wp-content/uploads/2025/09/499496003_18079829743700560_1120953978029026636_n-uai-1440x720.jpg" width="1440" height="720" alt="" srcset="https://arkcapital.com.au/wp-content/uploads/2025/09/499496003_18079829743700560_1120953978029026636_n-uai-1440x720.jpg 1440w, https://arkcapital.com.au/wp-content/uploads/2025/09/499496003_18079829743700560_1120953978029026636_n-uai-720x360.jpg 720w, https://arkcapital.com.au/wp-content/uploads/2025/09/499496003_18079829743700560_1120953978029026636_n-uai-1032x516.jpg 1032w" sizes="(max-width: 1440px) 100vw, 1440px" /></div>
  214. </div>
  215. </div></div></div></div><figcaption>A land development within South-East Queensland</figcaption></div><div class="empty-space empty-half" ><span class="empty-space-inner"></span></div>
  216. <div class="vc_custom_heading_wrap "><div class="heading-text el-text" ><h3 class="h4 text-color-prif-color" ><span>Where Our Strategy Sits: The Land Foundation</span></h3></div><div class="clear"></div></div><div class="uncode_text_column" ><p>CBRE&#8217;s lender sentiment survey reveals non-bank lenders have an overwhelming preference for residential build-to-sell projects. The data shows private real estate credit managers are willing to accommodate:</p>
  217. <ul>
  218. <li>Higher LVRs (60%+ vs banks at 40-50%)</li>
  219. <li>Lower interest coverage ratios (1.35x)</li>
  220. <li>More flexible terms overall</li>
  221. </ul>
  222. <p>While this data covers the broader &#8220;residential build-to-sell&#8221; category, there&#8217;s a crucial distinction in where we focus at Ark: we concentrate specifically on residential land development &#8211; the essential foundation that enables all downstream residential construction. Every apartment, townhouse, or house that benefits from this favourable financing environment starts with appropriately zoned, serviced land. We&#8217;re positioned at the very beginning of this value chain.</p>
  223. </div><div class="vc_custom_heading_wrap "><div class="heading-text el-text" ><h3 class="h4 text-color-prif-color" ><span>Market Fundamentals Create Upstream Value</span></h3></div><div class="clear"></div></div><div class="uncode_text_column" ><p>The residential supply-demand dynamics create compelling opportunities at every stage of the development pipeline:</p>
  224. <p>Apartment supply forecast at ~60,000 units annually through 2025-29</p>
  225. <p>Vacancy rates projected to compress from 1.9% to 1.1% by 2029</p>
  226. <p>New developments commanding 20-30% premiums when compared to established stock for 2-bedroom units, with even larger premiums for 3-bedroom stock</p>
  227. <p>These metrics highlight a fundamental truth: housing demand is creating value throughout the entire development chain, but the greatest leverage often exists at the beginning. When end-user demand is strong and builders can achieve premium pricing, the value flows back through the entire pipeline &#8211; from the final sale, to the construction contract, to the development approval, and ultimately to the underlying land that makes it all possible.</p>
  228. <p>As the essential first input in this value chain, appropriately located and zoned residential land captures this demand multiplication effect. Every apartment commanding a 30% premium started as raw or underdeveloped land that someone had the foresight to secure and develop.</p>
  229. </div><div class="vc_custom_heading_wrap "><div class="heading-text el-text" ><h3 class="h4 text-color-prif-color" ><span>Construction Cost Inputs &#8211; a Realistic View</span></h3></div><div class="clear"></div></div><div class="uncode_text_column" ><p>One data point that particularly resonates is the construction cost outlook. CBRE expects +20% construction cost growth over 2025-29, with Brisbane and Perth facing the highest pressure due to major infrastructure pipelines competing for resources.</p>
  230. <p>While cost escalation creates challenges across the development pipeline, land development and civil works offer a more manageable risk profile. The beauty of our focus is in the simplicity: land development involves fewer trades and inputs compared to building construction. Where builders juggle dozens of specialised contractors &#8211; from concrete and steel to electrical, plumbing, glazing, and finishing trades &#8211; land development primarily involves earthworks, utilities, and road construction.</p>
  231. <p>This translates to fewer moving parts, more predictable pricing, and crucially, greater ability to manage and control cost escalation when it does occur. While we&#8217;re not immune to input cost pressures, the relative simplicity of civil works means we can more easily secure fixed-price contracts, manage supplier relationships, and avoid the coordination complexity that amplifies cost blowouts in vertical construction. </p>
  232. </div><div class="vc_custom_heading_wrap "><div class="heading-text el-text" ><h3 class="h4 text-color-prif-color" ><span>Why Residential Land Development Finance Matters</span></h3></div><div class="clear"></div></div><div class="uncode_text_column" ><p>Three key insights from the research highlight why the land development space deserves attention:</p>
  233. <ol>
  234. <li>Capital Flow Dynamics: The surge in <a href="https://www.brokernews.com.au/news/breaking-news/how-private-credit-is-reshaping-australias-property-scene">private credit</a> penetration in Australia for residential development (26% today, 35% by 2030) creates downstream demand for developable land. As more capital flows into residential construction, competition for quality, entitled land parcels intensifies.</li>
  235. <li>Market Structure: With only the top 10 providers controlling 85% of the private credit market, there&#8217;s concentration in capital sources but fragmentation in land opportunities. This creates advantages for operators who understand local planning processes, infrastructure requirements, and site selection criteria.</li>
  236. <li>Economic Timing: As interest rates are forecast to decline through 2025-26, development financing costs should improve. However, land development benefits from shorter project cycles than vertical construction, allowing for quicker capital recycling and reduced exposure to rate volatility.</li>
  237. </ol>
  238. <p>
  239. </div><div class="vc_custom_heading_wrap "><div class="heading-text el-text" ><h3 class="h4 text-color-prif-color" ><span>Looking Ahead</span></h3></div><div class="clear"></div></div><div class="uncode_text_column" ><p>The CBRE data paints a picture of structural change in Australian real estate financing, with private credit becoming an increasingly important capital source for residential development.</p>
  240. <p>For Ark Capital, these market dynamics reinforce the growth trajectory we have already achieved. Over the past decade, Ark has expanded to managing more than $423M+ with a current average return of 10.80% P.A across our funds, consistently delivering strong, risk-adjusted returns to investors. Our disciplined approach has enabled us to grow while maintaining processes and transparency.</p>
  241. <p>Looking ahead, if we continue to compound capital at similar rates to our historical performance, the opportunity highlighted in CBRE’s research directly aligns with our strategy. As Australia’s private real estate credit market grows from $50 billion today to $90 billion by 2029, Ark is positioned to capture this expansion.</p>
  242. <p>The housing shortage isn’t going away. Construction costs are rising. But appropriately positioned, well-located residential land remains the foundation of any solution to Australia’s housing challenge and Ark Capital is focused on turning that foundation into long-term investor growth.</p>
  243. </div><div class="vc_custom_heading_wrap "><div class="heading-text el-text" ><h3 class="h4 text-color-prif-color" ><span>Embracing the Discovery Process</span></h3></div><div class="clear"></div></div><div class="uncode_text_column" ><p>If you’re an investor, borrower or strategic partner who values forward-thinking leadership, now is the right time to <a href="https://arkcapital.com.au/contact/">connect</a>.</p>
  244. <p>Let’s talk about where you want to go and how we can help you get there.</p>
  245. </div><div class="uncode_text_column text-small" ><p><span class="TextRun SCXW30386806 BCX0" lang="EN-AU" xml:lang="EN-AU" data-contrast="none"><span class="NormalTextRun Superscript SCXW30386806 BCX0" data-fontsize="14" data-ccp-charstyle="Emphasis">The commentary in </span><span class="NormalTextRun Superscript SCXW30386806 BCX0" data-fontsize="14" data-ccp-charstyle="Emphasis">this article in </span><span class="NormalTextRun Superscript SCXW30386806 BCX0" data-fontsize="14" data-ccp-charstyle="Emphasis">no way </span><span class="NormalTextRun Superscript SCXW30386806 BCX0" data-fontsize="14" data-ccp-charstyle="Emphasis">constitutes</span><span class="NormalTextRun Superscript SCXW30386806 BCX0" data-fontsize="14" data-ccp-charstyle="Emphasis"> a solicitation of</span> <span class="NormalTextRun Superscript SCXW30386806 BCX0" data-fontsize="14" data-ccp-charstyle="Emphasis">business or product advice</span><span class="NormalTextRun Superscript SCXW30386806 BCX0" data-fontsize="14" data-ccp-charstyle="Emphasis">.  </span><span class="NormalTextRun Superscript SCXW30386806 BCX0" data-fontsize="14" data-ccp-charstyle="Emphasis">It is expressed solely as the opinion of the author</span><span class="NormalTextRun Superscript SCXW30386806 BCX0" data-fontsize="14" data-ccp-charstyle="Emphasis">,</span><span class="NormalTextRun Superscript SCXW30386806 BCX0" data-fontsize="14" data-ccp-charstyle="Emphasis"> and as general information for the reader</span><span class="NormalTextRun Superscript SCXW30386806 BCX0" data-fontsize="14" data-ccp-charstyle="Emphasis">. It i</span><span class="NormalTextRun Superscript SCXW30386806 BCX0" data-fontsize="14" data-ccp-charstyle="Emphasis">s </span><span class="NormalTextRun Superscript SCXW30386806 BCX0" data-fontsize="14" data-ccp-charstyle="Emphasis">not information to be relied upon in making <a href="https://arkcapital.com.au/news-insights/a-methodology-driver-approach-to-real-estate-investment/">investment decisions</a></span><span class="NormalTextRun Superscript SCXW30386806 BCX0" data-fontsize="14" data-ccp-charstyle="Emphasis">.</span></span></p>
  246. </div>
  247. <div class="wpb_raw_code wpb_raw_html " >
  248. <div class="wpb_wrapper">
  249. <button class="custom-link btn btn-sm border-width-0 btn-accent btn-icon-left cursor-init" id="linkedin-share-btn">Share Article</button>
  250.  
  251. <script>
  252. document.getElementById("linkedin-share-btn").addEventListener("click", function () {
  253.    // Find canonical link in the page
  254.    const canonicalLink = document.querySelector('link[rel="canonical"]');
  255.    if (!canonicalLink) return;
  256.  
  257.    // Get and encode canonical URL
  258.    const canonicalUrl = canonicalLink.href;
  259.    const shareUrl = `https://www.linkedin.com/sharing/share-offsite/?url=${encodeURIComponent(canonicalUrl)}`;
  260.  
  261.    // Open in new tab
  262.    window.open(shareUrl, "_blank", "noopener,noreferrer");
  263. });
  264. </script>
  265. </div>
  266. </div>
  267. </div></div></div></div></div></div></div></div></div></div></div></div></div><script id="script-row-unique-5" data-row="script-row-unique-5" type="text/javascript" class="vc_controls">UNCODE.initRow(document.getElementById("row-unique-5"));</script></div></div></div><div data-parent="true" class="vc_row row-container" id="row-unique-6"><div class="row limit-width row-parent"><div class="wpb_row row-inner"><div class="wpb_column pos-top pos-center align_left column_parent col-lg-12 single-internal-gutter"><div class="uncol style-light"  ><div class="uncoltable"><div class="uncell no-block-padding" ><div class="uncont" ></div></div></div></div></div><script id="script-row-unique-6" data-row="script-row-unique-6" type="text/javascript" class="vc_controls">UNCODE.initRow(document.getElementById("row-unique-6"));</script></div></div></div>
  268. </div><p>The post <a href="https://arkcapital.com.au/news-insights/land-advantage-in-private-credit/">Why Ark is Chasing the Right Part of the $90 Billion Property Boom</a> appeared first on <a href="https://arkcapital.com.au">Ark Capital</a>.</p>
  269. ]]></content:encoded>
  273. </item>
  274. <item>
  275. <title>Exploring AI&#8217;s Potential in Land Development and Construction Lending</title>
  276. <link>https://arkcapital.com.au/news-insights/exploring-ais-potential-in-land-development-and-construction-lending/</link>
  278. <dc:creator><![CDATA[Marketing]]></dc:creator>
  279. <pubDate>Mon, 01 Sep 2025 02:29:40 +0000</pubDate>
  280. <category><![CDATA[News and Insights]]></category>
  281. <guid isPermaLink="false">https://arkcapital.com.au/?p=4535</guid>
  282.  
  283. <description><![CDATA[<p>At Ark, we find ourselves in an exciting exploration phase.</p>
  284. <p>The post <a href="https://arkcapital.com.au/news-insights/exploring-ais-potential-in-land-development-and-construction-lending/">Exploring AI&#8217;s Potential in Land Development and Construction Lending</a> appeared first on <a href="https://arkcapital.com.au">Ark Capital</a>.</p>
  285. ]]></description>
  286. <content:encoded><![CDATA[<div class="wpb-content-wrapper"><div data-parent="true" class="vc_row row-container" id="row-unique-7"><div class="row double-top-padding double-bottom-padding single-h-padding limit-width row-parent"><div class="wpb_row row-inner"><div class="wpb_column pos-top pos-center align_left column_parent col-lg-12 single-internal-gutter"><div class="uncol style-light"  ><div class="uncoltable"><div class="uncell no-block-padding" ><div class="uncont" ><div class="vc_row row-internal row-container"><div class="row row-child"><div class="wpb_row row-inner"><div class="wpb_column pos-top pos-center align_left column_child col-lg-2 single-internal-gutter"><div class="uncol style-light" ><div class="uncoltable"><div class="uncell no-block-padding" ><div class="uncont" ></div></div></div></div></div><div class="wpb_column pos-top pos-left align_left column_child col-lg-10 single-internal-gutter"><div class="uncol style-light" ><div class="uncoltable"><div class="uncell no-block-padding" ><div class="uncont" style=" max-width:80%;" ><div class="uncode_text_column text-lead" ><p>As a private real estate debt investor focused on land development and construction projects, we operate in a unique segment of commercial real estate finance. While colleagues in investment property lending are adopting AI, we&#8217;re beginning our discovery journey into how AI might transform development and construction lending and investing.</p>
  287. </div><div class="uncode_text_column text-lead" ><p>This exploration excites us precisely because we haven&#8217;t implemented these technologies yet. We&#8217;re researching how AI could address our market&#8217;s unique challenges. Land development involves different risk factors, program considerations, and analytical requirements than investment property lending. We&#8217;re learning about the distinction between general AI tools and the specialised intelligence our sector might require.</p>
  288. </div><div class="vc_custom_heading_wrap "><div class="heading-text el-text" ><h3 class="h4 text-color-prif-color" ><span>Beyond General AI to Development-Specific Intelligence</span></h3></div><div class="clear"></div></div><div class="uncode_text_column" ><p>Our exploration began with general AI tools such as <a href="https://chatgpt.com/">Chat-GPT</a> and <a href="https://copilot.microsoft.com/chats/hmrs6ainjbYkLBcsNCbdD">Copilot</a>, but we quickly discovered their limitations. While general AI can explain construction terminology, it cannot assess complex development projects with the nuanced understanding of planning risk, construction programming, market absorption rates, and developer track records that our business requires.</p>
  289. </div><div class="uncode_text_column" ><p>As AI adoption increases, we expect more refined agents capable of development-specific analysis &#8211; planning risk assessment, construction draw monitoring, market absorption forecasting, and the interplay between development costs and gross realization values.</p>
  290. </div><div class="vc_custom_heading_wrap "><div class="heading-text el-text" ><h3 class="h4 text-color-prif-color" ><span>Industry Examples We&#8217;re Studying</span></h3></div><div class="clear"></div></div><div class="uncode_text_column" ><p>Our research has revealed several compelling examples of AI implementation across commercial real estate, mainly in north America and mainly applicable to stabilised investment property. CRE Agents is building the first AI Agents for Commercial Real Estate, automating repetitive tasks across 17 functional areas including asset management, acquisitions, and development. <a href="https://leaselens.ai/">LeaseLens</a> offers AI lease abstraction services, while companies like <a href="https://www.prophia.com/">Prophia</a> specialise in AI-powered asset management platforms.</p>
  291. </div><div class="uncode_text_column" ><p>We haven’t found any agents specifically focused on development finance and at this point are investigating building our own internal &#8216;agent&#8217; that will assist us in pulling data, conducting analysis and providing recommendations in our space. Over time, our expectation is that this will supplemented with more advanced external agents that will amplify the benefits of AI further.</p>
  292. </div><div class="vc_custom_heading_wrap "><div class="heading-text el-text" ><h3 class="h4 text-color-prif-color" ><span>The Analytical Opportunities We&#8217;re Exploring</span></h3></div><div class="clear"></div></div><div class="uncode_text_column" ><p>What excites us most is the potential for analysis that would be impossible with current methods. AI could allow our analysts to go deeper into development-specific datasets and modelling techniques that would be prohibitively complex to execute consistently.</p>
  293. </div><div class="uncode_text_column" ><p>Development Project Documentation: We&#8217;re researching how AI could review and resolve complex development documentation—construction budgets, construction plans, engineering reports—extracting key parameters and structuring data for comparative analysis.</p>
  294. <p>Construction Cost and Timeline Modelling: Systems we&#8217;re exploring could analyze construction cost against historical data, identify potential cost overruns, and forecast program risks incorporating variables like labour costs, material costs, and council approval timelines.</p>
  295. <p>Market Absorption Analysis: AI systems could provide real-time market intelligence, analyzing population growth, demographic trends, competing supply, and buyer behaviour to assess project feasibility based on dynamic market conditions and property cycles rather than current snapshots.</p>
  296. </div><div class="vc_custom_heading_wrap "><div class="heading-text el-text" ><h3 class="h4 text-color-prif-color" ><span>Enhancing Human Capabilities, Not Replacing Them</span></h3></div><div class="clear"></div></div><div class="uncode_text_column" ><p>Our most important discovery is that AI&#8217;s value lies in enhancement, not replacement. We&#8217;re exploring how to elevate our team&#8217;s capabilities and focus expertise on the complex qualitative assessments that define successful development investing.</p>
  297. <p>AI could handle data compilation, initial project analysis, and standardised reporting, allowing analysts to focus on assessing developer capabilities, evaluating market strategies, and making nuanced decisions about project viability.</p>
  298. <p>We&#8217;re excited about potential applications in construction progress claim administration and project monitoring. AI systems might analyse draw requests against approved budgets, review progress documentation, and flag discrepancies while preserving our focus on relationship management and strategic decision-making.</p>
  299. </div><div class="vc_custom_heading_wrap "><div class="heading-text el-text" ><h3 class="h4 text-color-prif-color" ><span>The Competitive Opportunity</span></h3></div><div class="clear"></div></div><div class="uncode_text_column" ><p>We recognize that AI represents more than operational efficiency—it could provide competitive advantages through enhanced due diligence speed, superior portfolio monitoring across development types, and improved developer experience through faster, more sophisticated analysis without increased overhead.</p>
  300. </div><div class="vc_custom_heading_wrap "><div class="heading-text el-text" ><h3 class="h4 text-color-prif-color" ><span>Navigating Risks and Implementation Challenges</span></h3></div><div class="clear"></div></div><div class="uncode_text_column" ><p>Our exploration has revealed both opportunities and risks that inform our approach. Development investing data is more complex and less standardized than investment property information, creating data quality risks that could lead to flawed AI outputs. Each project&#8217;s uniqueness presents standardization challenges.</p>
  301. <p>Key risks we&#8217;re considering include: Over-reliance on AI recommendations without sufficient human oversight could result in poor investment decisions. Biased algorithms might perpetuate unbalanced analysis if not properly monitored. Data security concerns arise when processing sensitive development project information through AI systems.</p>
  302. <p>Our mitigation strategies focus on: Maintaining human oversight for all critical decisions, implementing robust data validation processes, partnering with AI providers who understand development finance complexities and prioritize data security, and starting with lower-risk applications to build confidence and competence gradually.</p>
  303. </div><div class="vc_custom_heading_wrap "><div class="heading-text el-text" ><h3 class="h4 text-color-prif-color" ><span>Our Vision: Strategic Implementation</span></h3></div><div class="clear"></div></div><div class="uncode_text_column" ><p>We&#8217;re developing a clear vision of AI-enhanced development investing. We envision our team spending more time on developer relationships, market strategy, and complex project assessment, supported by AI systems handling routine analysis and providing sophisticated decision support.</p>
  304. <p>Any implementation must enhance rather than replace the deep market knowledge, development expertise, and developer relationship management that define successful development investing.</p>
  305. </div><div class="vc_custom_heading_wrap "><div class="heading-text el-text" ><h3 class="h4 text-color-prif-color" ><span>Embracing the Discovery Process</span></h3></div><div class="clear"></div></div><div class="uncode_text_column" ><p>What excites us most is the opportunity to approach AI strategically. We&#8217;re not rushing to adopt AI but carefully considering how it could address specific challenges in development investing.</p>
  306. <p>At Ark, we&#8217;re energised by the discovery process itself. We&#8217;re actively exploring how to shape our future through intelligent AI integration designed for the unique challenges of land development and construction financing. The questions we&#8217;re asking will determine how effectively we harness AI&#8217;s potential to transform how development finance and investment decisions are made, risks assessed, and projects monitored.</p>
  307. <p>The exploration continues, and the possibilities excite us.</p>
  308. </div><div class="uncode_text_column" ><p>If you’re an investor, borrower or strategic partner who values forward-thinking leadership, now is the right time to <a href="https://arkcapital.com.au/contact/">connect</a>.</p>
  309. <p>Let’s talk about where you want to go and how we can help you get there.</p>
  310. </div><div class="uncode_text_column text-small" ><p>Article written by Peri Macdonald, Chief Executive Officer &amp; Managing Director</p>
  311. <p><span class="TextRun SCXW30386806 BCX0" lang="EN-AU" xml:lang="EN-AU" data-contrast="none"><span class="NormalTextRun Superscript SCXW30386806 BCX0" data-fontsize="14" data-ccp-charstyle="Emphasis">The commentary in </span><span class="NormalTextRun Superscript SCXW30386806 BCX0" data-fontsize="14" data-ccp-charstyle="Emphasis">this article in </span><span class="NormalTextRun Superscript SCXW30386806 BCX0" data-fontsize="14" data-ccp-charstyle="Emphasis">no way </span><span class="NormalTextRun Superscript SCXW30386806 BCX0" data-fontsize="14" data-ccp-charstyle="Emphasis">constitutes</span><span class="NormalTextRun Superscript SCXW30386806 BCX0" data-fontsize="14" data-ccp-charstyle="Emphasis"> a solicitation of</span> <span class="NormalTextRun Superscript SCXW30386806 BCX0" data-fontsize="14" data-ccp-charstyle="Emphasis">business or product advice</span><span class="NormalTextRun Superscript SCXW30386806 BCX0" data-fontsize="14" data-ccp-charstyle="Emphasis">.  </span><span class="NormalTextRun Superscript SCXW30386806 BCX0" data-fontsize="14" data-ccp-charstyle="Emphasis">It is expressed solely as the opinion of the author</span><span class="NormalTextRun Superscript SCXW30386806 BCX0" data-fontsize="14" data-ccp-charstyle="Emphasis">,</span><span class="NormalTextRun Superscript SCXW30386806 BCX0" data-fontsize="14" data-ccp-charstyle="Emphasis"> and as general information for the reader</span><span class="NormalTextRun Superscript SCXW30386806 BCX0" data-fontsize="14" data-ccp-charstyle="Emphasis">. It i</span><span class="NormalTextRun Superscript SCXW30386806 BCX0" data-fontsize="14" data-ccp-charstyle="Emphasis">s </span><span class="NormalTextRun Superscript SCXW30386806 BCX0" data-fontsize="14" data-ccp-charstyle="Emphasis">not information to be relied upon in making <a href="https://arkcapital.com.au/news-insights/a-methodology-driver-approach-to-real-estate-investment/">investment decisions</a></span><span class="NormalTextRun Superscript SCXW30386806 BCX0" data-fontsize="14" data-ccp-charstyle="Emphasis">.</span></span></p>
  312. </div><div class="uncode_text_column" ><p>Want more articles like this? Follow <a href="https://www.linkedin.com/in/peri-macdonald-a5675612/">Peri Macdonald on LinkedIn. </a></p>
  313. </div>
  314. <div class="wpb_raw_code wpb_raw_html " >
  315. <div class="wpb_wrapper">
  316. <button class="custom-link btn btn-sm border-width-0 btn-accent btn-icon-left cursor-init" id="linkedin-share-btn">Share Article</button>
  317.  
  318. <script>
  319. document.getElementById("linkedin-share-btn").addEventListener("click", function () {
  320.    // Find canonical link in the page
  321.    const canonicalLink = document.querySelector('link[rel="canonical"]');
  322.    if (!canonicalLink) return;
  323.  
  324.    // Get and encode canonical URL
  325.    const canonicalUrl = canonicalLink.href;
  326.    const shareUrl = `https://www.linkedin.com/sharing/share-offsite/?url=${encodeURIComponent(canonicalUrl)}`;
  327.  
  328.    // Open in new tab
  329.    window.open(shareUrl, "_blank", "noopener,noreferrer");
  330. });
  331. </script>
  332. </div>
  333. </div>
  334. </div></div></div></div></div></div></div></div></div></div></div></div></div><script id="script-row-unique-7" data-row="script-row-unique-7" type="text/javascript" class="vc_controls">UNCODE.initRow(document.getElementById("row-unique-7"));</script></div></div></div><div data-parent="true" class="vc_row row-container" id="row-unique-8"><div class="row limit-width row-parent"><div class="wpb_row row-inner"><div class="wpb_column pos-top pos-center align_left column_parent col-lg-12 single-internal-gutter"><div class="uncol style-light"  ><div class="uncoltable"><div class="uncell no-block-padding" ><div class="uncont" ><div class="uncode_text_column" ></div></div></div></div></div></div><script id="script-row-unique-8" data-row="script-row-unique-8" type="text/javascript" class="vc_controls">UNCODE.initRow(document.getElementById("row-unique-8"));</script></div></div></div>
  335. </div><p>The post <a href="https://arkcapital.com.au/news-insights/exploring-ais-potential-in-land-development-and-construction-lending/">Exploring AI&#8217;s Potential in Land Development and Construction Lending</a> appeared first on <a href="https://arkcapital.com.au">Ark Capital</a>.</p>
  336. ]]></content:encoded>
  340. </item>
  341. <item>
  342. <title>Celebrating 10 Years of Ark Capital</title>
  343. <link>https://arkcapital.com.au/news-insights/celebrating-10-years-of-ark-capital/</link>
  345. <dc:creator><![CDATA[Marketing]]></dc:creator>
  346. <pubDate>Fri, 29 Aug 2025 00:47:39 +0000</pubDate>
  347. <category><![CDATA[News and Insights]]></category>
  348. <guid isPermaLink="false">https://arkcapital.com.au/?p=4516</guid>
  349.  
  350. <description><![CDATA[<p>Last night was pretty special.</p>
  351. <p>The post <a href="https://arkcapital.com.au/news-insights/celebrating-10-years-of-ark-capital/">Celebrating 10 Years of Ark Capital</a> appeared first on <a href="https://arkcapital.com.au">Ark Capital</a>.</p>
  352. ]]></description>
  353. <content:encoded><![CDATA[<div class="wpb-content-wrapper"><div data-parent="true" class="vc_row row-container" id="row-unique-9"><div class="row double-top-padding double-bottom-padding single-h-padding limit-width row-parent"><div class="wpb_row row-inner"><div class="wpb_column pos-top pos-center align_left column_parent col-lg-12 single-internal-gutter"><div class="uncol style-light"  ><div class="uncoltable"><div class="uncell no-block-padding" ><div class="uncont" ><div class="vc_row row-internal row-container"><div class="row row-child"><div class="wpb_row row-inner"><div class="wpb_column pos-top pos-center align_left column_child col-lg-2 single-internal-gutter"><div class="uncol style-light" ><div class="uncoltable"><div class="uncell no-block-padding" ><div class="uncont" ></div></div></div></div></div><div class="wpb_column pos-top pos-left align_left column_child col-lg-10 single-internal-gutter"><div class="uncol style-light" ><div class="uncoltable"><div class="uncell no-block-padding" ><div class="uncont" style=" max-width:80%;" ><div class="uncode_text_column text-lead" ><p>Ten years ago, when Adrian had his realisation about the changing landscape of private credit in Australia, I don&#8217;t think any of us could have imagined we&#8217;d be here celebrating with such an incredible group of people.</p>
  354. </div><div class="uncode_text_column text-lead" ><p>Standing in front of everyone last night-our development partners, investors, advisors, and the amazing Ark Capital team I was reminded that businesses aren&#8217;t built by spreadsheets or strategies alone. They&#8217;re built by relationships, trust, and people who believe in a shared vision.</p>
  355. </div><div class="vc_custom_heading_wrap "><div class="heading-text el-text" ><h3 class="h4 text-color-prif-color" ><span>More Than Numbers: The Power of Partnerships</span></h3></div><div class="clear"></div></div><div class="uncode_text_column" ><p>The numbers tell part of our story: over $1 billion invested across 130 deals, $450 million in <a href="https://arkcapital.com.au/investors/our-funds/">funds</a> under management, and a team that&#8217;s grown to just under 30 people across Melbourne, Sydney, and Brisbane.</p>
  356. <p>But what really struck me last night was the other part of the story the partnerships we&#8217;ve forged, the developments we&#8217;ve brought to life, and the careers we&#8217;ve built along the way.</p>
  357. </div><div class="vc_custom_heading_wrap "><div class="heading-text el-text" ><h3 class="h4 text-color-prif-color" ><span>Our Ark Vision</span></h3></div><div class="clear"></div></div><div class="uncode_text_column" ><p>We started with a simple vision: provide great <a href="https://arkcapital.com.au/borrowers/">capital solutions</a> to developers when traditional banking wasn&#8217;t meeting their needs, and create exceptional investment opportunities in return. That vision hasn&#8217;t changed. What has changed is our capacity to deliver on it, building on decades of experience in private real estate credit.</p>
  358. </div><div class="uncode_text_column" ><p>With our directors as owners, there&#8217;s complete alignment between leadership, our long-term vision, and the interests of our development partners and investors.</p>
  359. <p>When we succeed, we all succeed. When we celebrate milestones like this, we celebrate together. That&#8217;s exactly how it should be.</p>
  360. </div><div class="vc_custom_heading_wrap "><div class="heading-text el-text" ><h3 class="h4 text-color-prif-color" ><span>Looking Ahead: Growth, Innovation, and Partnerships</span></h3></div><div class="clear"></div></div><div class="uncode_text_column" ><p>Thank you to everyone who was there, everyone who&#8217;s been part of this journey, and everyone who will help us write the next chapter.</p>
  361. <p>Here&#8217;s to the next 10 years.</p>
  362. </div><div class="uncode_text_column text-small" ><p>Article written by Peri Macdonald, Chief Executive Officer &amp; Managing Director</p>
  363. <p><span class="TextRun SCXW30386806 BCX0" lang="EN-AU" xml:lang="EN-AU" data-contrast="none"><span class="NormalTextRun Superscript SCXW30386806 BCX0" data-fontsize="14" data-ccp-charstyle="Emphasis">The commentary in </span><span class="NormalTextRun Superscript SCXW30386806 BCX0" data-fontsize="14" data-ccp-charstyle="Emphasis">this article in </span><span class="NormalTextRun Superscript SCXW30386806 BCX0" data-fontsize="14" data-ccp-charstyle="Emphasis">no way </span><span class="NormalTextRun Superscript SCXW30386806 BCX0" data-fontsize="14" data-ccp-charstyle="Emphasis">constitutes</span><span class="NormalTextRun Superscript SCXW30386806 BCX0" data-fontsize="14" data-ccp-charstyle="Emphasis"> a solicitation of</span> <span class="NormalTextRun Superscript SCXW30386806 BCX0" data-fontsize="14" data-ccp-charstyle="Emphasis">business or product advice</span><span class="NormalTextRun Superscript SCXW30386806 BCX0" data-fontsize="14" data-ccp-charstyle="Emphasis">.  </span><span class="NormalTextRun Superscript SCXW30386806 BCX0" data-fontsize="14" data-ccp-charstyle="Emphasis">It is expressed solely as the opinion of the author</span><span class="NormalTextRun Superscript SCXW30386806 BCX0" data-fontsize="14" data-ccp-charstyle="Emphasis">,</span><span class="NormalTextRun Superscript SCXW30386806 BCX0" data-fontsize="14" data-ccp-charstyle="Emphasis"> and as general information for the reader</span><span class="NormalTextRun Superscript SCXW30386806 BCX0" data-fontsize="14" data-ccp-charstyle="Emphasis">. It i</span><span class="NormalTextRun Superscript SCXW30386806 BCX0" data-fontsize="14" data-ccp-charstyle="Emphasis">s </span><span class="NormalTextRun Superscript SCXW30386806 BCX0" data-fontsize="14" data-ccp-charstyle="Emphasis">not information to be relied upon in making <a href="https://arkcapital.com.au/news-insights/a-methodology-driver-approach-to-real-estate-investment/">investment decisions</a></span><span class="NormalTextRun Superscript SCXW30386806 BCX0" data-fontsize="14" data-ccp-charstyle="Emphasis">.</span></span></p>
  364. </div><div class="uncode_text_column" ><p>Want more articles like this? Follow <a href="https://www.linkedin.com/in/peri-macdonald-a5675612/">Peri Macdonald on LinkedIn. </a></p>
  365. </div>
  366. <div class="wpb_raw_code wpb_raw_html " >
  367. <div class="wpb_wrapper">
  368. <button class="custom-link btn btn-sm border-width-0 btn-accent btn-icon-left cursor-init" id="linkedin-share-btn">Share Article</button>
  369.  
  370. <script>
  371. document.getElementById("linkedin-share-btn").addEventListener("click", function () {
  372.    // Find canonical link in the page
  373.    const canonicalLink = document.querySelector('link[rel="canonical"]');
  374.    if (!canonicalLink) return;
  375.  
  376.    // Get and encode canonical URL
  377.    const canonicalUrl = canonicalLink.href;
  378.    const shareUrl = `https://www.linkedin.com/sharing/share-offsite/?url=${encodeURIComponent(canonicalUrl)}`;
  379.  
  380.    // Open in new tab
  381.    window.open(shareUrl, "_blank", "noopener,noreferrer");
  382. });
  383. </script>
  384. </div>
  385. </div>
  386. </div></div></div></div></div></div></div></div></div></div></div></div></div><script id="script-row-unique-9" data-row="script-row-unique-9" type="text/javascript" class="vc_controls">UNCODE.initRow(document.getElementById("row-unique-9"));</script></div></div></div><div data-parent="true" class="vc_row row-container" id="row-unique-10"><div class="row limit-width row-parent"><div class="wpb_row row-inner"><div class="wpb_column pos-top pos-center align_left column_parent col-lg-12 single-internal-gutter"><div class="uncol style-light"  ><div class="uncoltable"><div class="uncell no-block-padding" ><div class="uncont" ><div class="uncode_text_column" ></div></div></div></div></div></div><script id="script-row-unique-10" data-row="script-row-unique-10" type="text/javascript" class="vc_controls">UNCODE.initRow(document.getElementById("row-unique-10"));</script></div></div></div>
  387. </div><p>The post <a href="https://arkcapital.com.au/news-insights/celebrating-10-years-of-ark-capital/">Celebrating 10 Years of Ark Capital</a> appeared first on <a href="https://arkcapital.com.au">Ark Capital</a>.</p>
  388. ]]></content:encoded>
  392. </item>
  393. <item>
  394. <title>Investment Updates: August 2025</title>
  395. <link>https://arkcapital.com.au/news-insights/investment-updates-august-2025/</link>
  397. <dc:creator><![CDATA[Marketing]]></dc:creator>
  398. <pubDate>Tue, 26 Aug 2025 05:25:43 +0000</pubDate>
  399. <category><![CDATA[Investment Update]]></category>
  400. <guid isPermaLink="false">https://arkcapital.com.au/?p=4420</guid>
  401.  
  402. <description><![CDATA[<p>Our disciplined approach and long-term perspective continue to position us well to identify quality opportunities and deliver value for our investors. </p>
  403. <p>The post <a href="https://arkcapital.com.au/news-insights/investment-updates-august-2025/">Investment Updates: August 2025</a> appeared first on <a href="https://arkcapital.com.au">Ark Capital</a>.</p>
  404. ]]></description>
  405. <content:encoded><![CDATA[<div class="wpb-content-wrapper"><div data-parent="true" class="vc_row vc_custom_1753853674334 row-container" style="margin-top: 25px ;" id="row-unique-11"><div class="row no-top-padding no-bottom-padding single-h-padding limit-width row-parent"><div class="wpb_row row-inner"><div class="wpb_column pos-top pos-center align_left column_parent col-lg-12 single-internal-gutter"><div class="uncol style-light"  ><div class="uncoltable"><div class="uncell  vc_custom_1753853704661 border-color-210407-color no-block-padding" style="border-style: solid;padding-top: 100px ;padding-bottom: 100px ;" ><div class="uncont" ><div class="vc_row row-internal row-container"><div class="row row-child"><div class="wpb_row row-inner"><div class="wpb_column pos-top pos-center align_left column_child col-lg-2 single-internal-gutter"><div class="uncol style-light" ><div class="uncoltable"><div class="uncell no-block-padding" ><div class="uncont" ><div class="vc_custom_heading_wrap "><div class="heading-text el-text" ><h3 class="font-810153 fontsize-385977 font-weight-400" ><span>Banks, ACT</span></h3></div><div class="clear"></div></div></div></div></div></div></div><div class="wpb_column pos-top pos-left align_left column_child col-lg-10 single-internal-gutter"><div class="uncol style-light" ><div class="uncoltable"><div class="uncell no-block-padding" ><div class="uncont" style=" max-width:80%;" ><div class="uncode_text_column" ><p>The borrower continues to work towards the refinance of the facility.</p>
  406. </div></div></div></div></div></div></div></div></div></div></div></div></div></div><script id="script-row-unique-11" data-row="script-row-unique-11" type="text/javascript" class="vc_controls">UNCODE.initRow(document.getElementById("row-unique-11"));</script></div></div></div><div data-parent="true" class="vc_row row-container" id="row-unique-12"><div class="row no-top-padding no-bottom-padding single-h-padding limit-width row-parent"><div class="wpb_row row-inner"><div class="wpb_column pos-top pos-center align_left column_parent col-lg-12 single-internal-gutter"><div class="uncol style-light"  ><div class="uncoltable"><div class="uncell  vc_custom_1736338738340 border-color-210407-color no-block-padding" style="border-style: solid;border-top-width: 1px ;padding-top: 100px ;padding-bottom: 100px ;" ><div class="uncont" ><div class="vc_row row-internal row-container"><div class="row row-child"><div class="wpb_row row-inner"><div class="wpb_column pos-top pos-center align_left column_child col-lg-2 single-internal-gutter"><div class="uncol style-light" ><div class="uncoltable"><div class="uncell no-block-padding" ><div class="uncont" ><div class="vc_custom_heading_wrap "><div class="heading-text el-text" ><h3 class="font-810153 fontsize-385977 font-weight-400" ><span>Morwell &amp; Tatura, VIC (Mezzanine)</span></h3></div><div class="clear"></div></div></div></div></div></div></div><div class="wpb_column pos-top pos-left align_left column_child col-lg-10 single-internal-gutter"><div class="uncol style-light" ><div class="uncoltable"><div class="uncell no-block-padding" ><div class="uncont" style=" max-width:80%;" ><div class="uncode_text_column" ></p>
  407. <div class="ewa-rteLine">
  408. <div class="ewa-rteLine"><strong>Tatura:</strong></div>
  409. <ul>
  410. <li class="ewa-rteLine">Statement of Compliance for Stage 2 was issued on 6 August 2025, with title registration completed on 12 August 2025. Settlements for Stage 2 have now commenced.</li>
  411. <li class="ewa-rteLine">The borrower has reported 54 presales across the 60 remaining lots in Stages 1 and 2.</li>
  412. </ul>
  413. </div>
  414. <p>&nbsp;</p>
  415. <p><strong style="font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen-Sans, Ubuntu, Cantarell, 'Helvetica Neue', sans-serif;">Morwell:</strong></p>
  416. <ul>
  417. <li class="ewa-rteLine"> Civil works on Stages 1–3 have now commenced. Winslow’s latest forecast anticipates PC for Stages 1 &amp; 2 by Q1 2026, and Stage 3 by July 2026.</li>
  418. <li class="ewa-rteLine">Presales achieved to date include 50 lots across Stages 1–3, with a further 9 in Stage 4.</li>
  419. <li class="ewa-rteLine">Presales are progressing well, with 50 across Stages 1–3 and 9 in Stage 4. Marketing has resumed, generating strong early enquiries on remaining stock.</li>
  420. <li class="ewa-rteLine">The Australian Government&#8217;s Housing Support Program has allocated $7.9 million for sewer infrastructure benefiting the property.</li>
  421. </ul>
  422. <p>The facility is currently in default, with ARK reserving its rights from the facility expiry, 7 March 2025 to charge default interest until an appropriate resolution or exit is reached with the Borrower.</p>
  423. </div></div></div></div></div></div></div></div></div></div></div></div></div></div><script id="script-row-unique-12" data-row="script-row-unique-12" type="text/javascript" class="vc_controls">UNCODE.initRow(document.getElementById("row-unique-12"));</script></div></div></div><div data-parent="true" class="vc_row row-container" id="row-unique-13"><div class="row no-top-padding no-bottom-padding single-h-padding limit-width row-parent"><div class="wpb_row row-inner"><div class="wpb_column pos-top pos-center align_left column_parent col-lg-12 single-internal-gutter"><div class="uncol style-light"  ><div class="uncoltable"><div class="uncell  vc_custom_1736338738340 border-color-210407-color no-block-padding" style="border-style: solid;border-top-width: 1px ;padding-top: 100px ;padding-bottom: 100px ;" ><div class="uncont" ><div class="vc_row row-internal row-container"><div class="row row-child"><div class="wpb_row row-inner"><div class="wpb_column pos-top pos-center align_left column_child col-lg-2 single-internal-gutter"><div class="uncol style-light" ><div class="uncoltable"><div class="uncell no-block-padding" ><div class="uncont" ><div class="vc_custom_heading_wrap "><div class="heading-text el-text" ><h3 class="font-810153 fontsize-385977 font-weight-400" ><span>Ballarat North, VIC</span></h3></div><div class="clear"></div></div></div></div></div></div></div><div class="wpb_column pos-top pos-left align_left column_child col-lg-10 single-internal-gutter"><div class="uncol style-light" ><div class="uncoltable"><div class="uncell no-block-padding" ><div class="uncont" style=" max-width:80%;" ><div class="uncode_text_column" ><p>Following the property’s exclusion from the Ballarat North PSP in December 2024, a valuation was completed, with a secondary valuer subsequently confirming the same reduced value.</p>
  424. <p>ARK continues to explore options to maintain covenant compliance and protect investor interests. The sponsor is working towards providing a final position, after which the necessary changes will be implemented.</p>
  425. <p>Discussions with the borrower remain constructive, and ARK is confident of achieving an outcome aligned with investor interests.</p>
  426. </div></div></div></div></div></div></div></div></div></div></div></div></div></div><script id="script-row-unique-13" data-row="script-row-unique-13" type="text/javascript" class="vc_controls">UNCODE.initRow(document.getElementById("row-unique-13"));</script></div></div></div><div data-parent="true" class="vc_row row-container" id="row-unique-14"><div class="row no-top-padding no-bottom-padding single-h-padding limit-width row-parent"><div class="wpb_row row-inner"><div class="wpb_column pos-top pos-center align_left column_parent col-lg-12 single-internal-gutter"><div class="uncol style-light"  ><div class="uncoltable"><div class="uncell  vc_custom_1736338738340 border-color-210407-color no-block-padding" style="border-style: solid;border-top-width: 1px ;padding-top: 100px ;padding-bottom: 100px ;" ><div class="uncont" ><div class="vc_row row-internal row-container"><div class="row row-child"><div class="wpb_row row-inner"><div class="wpb_column pos-top pos-center align_left column_child col-lg-2 single-internal-gutter"><div class="uncol style-light" ><div class="uncoltable"><div class="uncell no-block-padding" ><div class="uncont" ><div class="vc_custom_heading_wrap "><div class="heading-text el-text" ><h3 class="font-810153 fontsize-385977 font-weight-400" ><span>Mount Cottrell, VIC</span></h3></div><div class="clear"></div></div></div></div></div></div></div><div class="wpb_column pos-top pos-left align_left column_child col-lg-10 single-internal-gutter"><div class="uncol style-light" ><div class="uncoltable"><div class="uncell no-block-padding" ><div class="uncont" style=" max-width:80%;" ><div class="uncode_text_column" ><p>The borrower continues to hold the properties as a land bank. The due diligence period on the Oakbank PSP has been completed.</p>
  427. <p>The VPA has submitted the 2025/2026 business plan to the Minister for Planning which includes prioritisation of Horizon 2 PSPs. There is potential for the Oakbank PSP to be included in the business plan, while no official timeframe for approval has been provided.</p>
  428. </div></div></div></div></div></div></div></div></div></div></div></div></div></div><script id="script-row-unique-14" data-row="script-row-unique-14" type="text/javascript" class="vc_controls">UNCODE.initRow(document.getElementById("row-unique-14"));</script></div></div></div><div data-parent="true" class="vc_row row-container" id="row-unique-15"><div class="row no-top-padding no-bottom-padding single-h-padding limit-width row-parent"><div class="wpb_row row-inner"><div class="wpb_column pos-top pos-center align_left column_parent col-lg-12 single-internal-gutter"><div class="uncol style-light"  ><div class="uncoltable"><div class="uncell  vc_custom_1736338738340 border-color-210407-color no-block-padding" style="border-style: solid;border-top-width: 1px ;padding-top: 100px ;padding-bottom: 100px ;" ><div class="uncont" ><div class="vc_row row-internal row-container"><div class="row row-child"><div class="wpb_row row-inner"><div class="wpb_column pos-top pos-center align_left column_child col-lg-2 single-internal-gutter"><div class="uncol style-light" ><div class="uncoltable"><div class="uncell no-block-padding" ><div class="uncont" ><div class="vc_custom_heading_wrap "><div class="heading-text el-text" ><h3 class="font-810153 fontsize-385977 font-weight-400" ><span>Gungahlin, ACT</span></h3></div><div class="clear"></div></div></div></div></div></div></div><div class="wpb_column pos-top pos-left align_left column_child col-lg-10 single-internal-gutter"><div class="uncol style-light" ><div class="uncoltable"><div class="uncell no-block-padding" ><div class="uncont" style=" max-width:80%;" ><div class="uncode_text_column" ><p>The extension of the facility is on track to be finalised prior to the current maturity date.</p>
  429. </div></div></div></div></div></div></div></div></div></div></div></div></div></div><script id="script-row-unique-15" data-row="script-row-unique-15" type="text/javascript" class="vc_controls">UNCODE.initRow(document.getElementById("row-unique-15"));</script></div></div></div><div data-parent="true" class="vc_row row-container" id="row-unique-16"><div class="row no-top-padding no-bottom-padding single-h-padding limit-width row-parent"><div class="wpb_row row-inner"><div class="wpb_column pos-top pos-center align_left column_parent col-lg-12 single-internal-gutter"><div class="uncol style-light"  ><div class="uncoltable"><div class="uncell  vc_custom_1736338738340 border-color-210407-color no-block-padding" style="border-style: solid;border-top-width: 1px ;padding-top: 100px ;padding-bottom: 100px ;" ><div class="uncont" ><div class="vc_row row-internal row-container"><div class="row row-child"><div class="wpb_row row-inner"><div class="wpb_column pos-top pos-center align_left column_child col-lg-2 single-internal-gutter"><div class="uncol style-light" ><div class="uncoltable"><div class="uncell no-block-padding" ><div class="uncont" ><div class="vc_custom_heading_wrap "><div class="heading-text el-text" ><h3 class="font-810153 fontsize-385977 font-weight-400" ><span>Sellicks Beach &amp; Gilberton, SA</span></h3></div><div class="clear"></div></div></div></div></div></div></div><div class="wpb_column pos-top pos-left align_left column_child col-lg-10 single-internal-gutter"><div class="uncol style-light" ><div class="uncoltable"><div class="uncell no-block-padding" ><div class="uncont" style=" max-width:80%;" ><div class="uncode_text_column" ><p>At Sellicks Beach, 4 of the 8 remaining residential lots are still available, with one set to be subdivided into two, projecting a 25% premium over the most recent valuation. In addition, one commercial lot has been contracted above its valuation, with settlement still on track to occur in late September 2025.</p>
  430. <p>At The Buckingham, work on the future build continues to advance.</p>
  431. </div></div></div></div></div></div></div></div></div></div></div></div></div></div><script id="script-row-unique-16" data-row="script-row-unique-16" type="text/javascript" class="vc_controls">UNCODE.initRow(document.getElementById("row-unique-16"));</script></div></div></div><div data-parent="true" class="vc_row row-container" id="row-unique-17"><div class="row no-top-padding no-bottom-padding single-h-padding limit-width row-parent"><div class="wpb_row row-inner"><div class="wpb_column pos-top pos-center align_left column_parent col-lg-12 single-internal-gutter"><div class="uncol style-light"  ><div class="uncoltable"><div class="uncell  vc_custom_1736338738340 border-color-210407-color no-block-padding" style="border-style: solid;border-top-width: 1px ;padding-top: 100px ;padding-bottom: 100px ;" ><div class="uncont" ><div class="vc_row row-internal row-container"><div class="row row-child"><div class="wpb_row row-inner"><div class="wpb_column pos-top pos-center align_left column_child col-lg-2 single-internal-gutter"><div class="uncol style-light" ><div class="uncoltable"><div class="uncell no-block-padding" ><div class="uncont" ><div class="vc_custom_heading_wrap "><div class="heading-text el-text" ><h3 class="font-810153 fontsize-385977 font-weight-400" ><span>Newport, NSW</span></h3></div><div class="clear"></div></div></div></div></div></div></div><div class="wpb_column pos-top pos-left align_left column_child col-lg-10 single-internal-gutter"><div class="uncol style-light" ><div class="uncoltable"><div class="uncell no-block-padding" ><div class="uncont" style=" max-width:80%;" ><div class="uncode_text_column" ><p>Project Update:</p>
  432. <ul>
  433. <li>Practical completion of civil works is now forecast for early September 2025, subject to no further major weather interruptions.</li>
  434. <li>Council has approved the 4.55 modification, enabling the separation of the two DAs (land civils and marina).</li>
  435. <li>The Marina DA was formally approved at the S.34 Conference on 19 August 2025, representing a major milestone for the project.</li>
  436. </ul>
  437. <p>Sales:</p>
  438. <ul>
  439. <li>The sponsor remains confident of securing a sale, with a signed sales advice received and contract exchange now expected in early September 2025, following resolution of final points.</li>
  440. </ul>
  441. <p>Strategy:</p>
  442. <ul>
  443. <li>ARK is actively negotiating an extension of the facility through to October 2025.</li>
  444. <li>This extension will provide sufficient time to achieve clarity on sales activity and subdivision title issuance. At that point, a refinance will be considered, either via a new facility with ARK or through another lender.</li>
  445. </ul>
  446. <p>
  447. </div></div></div></div></div></div></div></div></div></div></div></div></div></div><script id="script-row-unique-17" data-row="script-row-unique-17" type="text/javascript" class="vc_controls">UNCODE.initRow(document.getElementById("row-unique-17"));</script></div></div></div><div data-parent="true" class="vc_row row-container" id="row-unique-18"><div class="row no-top-padding no-bottom-padding single-h-padding limit-width row-parent"><div class="wpb_row row-inner"><div class="wpb_column pos-top pos-center align_left column_parent col-lg-12 single-internal-gutter"><div class="uncol style-light"  ><div class="uncoltable"><div class="uncell  vc_custom_1736338738340 border-color-210407-color no-block-padding" style="border-style: solid;border-top-width: 1px ;padding-top: 100px ;padding-bottom: 100px ;" ><div class="uncont" ><div class="vc_row row-internal row-container"><div class="row row-child"><div class="wpb_row row-inner"><div class="wpb_column pos-top pos-center align_left column_child col-lg-2 single-internal-gutter"><div class="uncol style-light" ><div class="uncoltable"><div class="uncell no-block-padding" ><div class="uncont" ><div class="vc_custom_heading_wrap "><div class="heading-text el-text" ><h3 class="font-810153 fontsize-385977 font-weight-400" ><span>Gawler, SA</span></h3></div><div class="clear"></div></div></div></div></div></div></div><div class="wpb_column pos-top pos-left align_left column_child col-lg-10 single-internal-gutter"><div class="uncol style-light" ><div class="uncoltable"><div class="uncell no-block-padding" ><div class="uncont" style=" max-width:80%;" ><div class="uncode_text_column" ></p>
  448. <div class="ewa-rteLine">All Stage 4 lots have now settled. Sales momentum remains strong, with over 95% of lots sold across Stages 5–9 whilst the facility only covers Stages 5–7.</div>
  449. <div class="ewa-rteLine"></div>
  450. <div class="ewa-rteLine">Civil works for Stages 5 and 6 are ongoing, with completion expected in Q1 2026.</div>
  451. <p>
  452. </div></div></div></div></div></div></div></div></div></div></div></div></div></div><script id="script-row-unique-18" data-row="script-row-unique-18" type="text/javascript" class="vc_controls">UNCODE.initRow(document.getElementById("row-unique-18"));</script></div></div></div><div data-parent="true" class="vc_row row-container" id="row-unique-19"><div class="row no-top-padding no-bottom-padding single-h-padding limit-width row-parent"><div class="wpb_row row-inner"><div class="wpb_column pos-top pos-center align_left column_parent col-lg-12 single-internal-gutter"><div class="uncol style-light"  ><div class="uncoltable"><div class="uncell  vc_custom_1736338738340 border-color-210407-color no-block-padding" style="border-style: solid;border-top-width: 1px ;padding-top: 100px ;padding-bottom: 100px ;" ><div class="uncont" ><div class="vc_row row-internal row-container"><div class="row row-child"><div class="wpb_row row-inner"><div class="wpb_column pos-top pos-center align_left column_child col-lg-2 single-internal-gutter"><div class="uncol style-light" ><div class="uncoltable"><div class="uncell no-block-padding" ><div class="uncont" ><div class="vc_custom_heading_wrap "><div class="heading-text el-text" ><h3 class="font-810153 fontsize-385977 font-weight-400" ><span>Munno Para<br /></span><span>(Smitham Road), SA</span></h3></div><div class="clear"></div></div></div></div></div></div></div><div class="wpb_column pos-top pos-left align_left column_child col-lg-10 single-internal-gutter"><div class="uncol style-light" ><div class="uncoltable"><div class="uncell no-block-padding" ><div class="uncont" style=" max-width:80%;" ><div class="uncode_text_column" ><p>The civil contractor has now mobilised on site which will enable works to accelerate over the coming month.</p>
  453. </div></div></div></div></div></div></div></div></div></div></div></div></div></div><script id="script-row-unique-19" data-row="script-row-unique-19" type="text/javascript" class="vc_controls">UNCODE.initRow(document.getElementById("row-unique-19"));</script></div></div></div><div data-parent="true" class="vc_row row-container" id="row-unique-20"><div class="row no-top-padding no-bottom-padding single-h-padding limit-width row-parent"><div class="wpb_row row-inner"><div class="wpb_column pos-top pos-center align_left column_parent col-lg-12 single-internal-gutter"><div class="uncol style-light"  ><div class="uncoltable"><div class="uncell  vc_custom_1736338745397 border-color-210407-color no-block-padding" style="border-style: solid;border-top-width: 1px ;padding-top: 100px ;padding-bottom: 100px ;" ><div class="uncont" ><div class="vc_row row-internal row-container"><div class="row row-child"><div class="wpb_row row-inner"><div class="wpb_column pos-top pos-center align_left column_child col-lg-2 single-internal-gutter"><div class="uncol style-light" ><div class="uncoltable"><div class="uncell no-block-padding" ><div class="uncont" ><div class="vc_custom_heading_wrap "><div class="heading-text el-text" ><h3 class="font-810153 fontsize-385977 font-weight-400" ><span>Shepparton North, VIC</span></h3></div><div class="clear"></div></div></div></div></div></div></div><div class="wpb_column pos-top pos-left align_left column_child col-lg-10 single-internal-gutter"><div class="uncol style-light" ><div class="uncoltable"><div class="uncell no-block-padding" ><div class="uncont" style=" max-width:80%;" ><div class="uncode_text_column" ><p>A large number of Stage 2 lots settled this month, which has significantly reduced the facility balance.</p>
  454. <p>The Stage 2 construction facility is expected to be refinanced, along with the existing Stage 1 residual stock facility, into a new combined Stage 1 and 2 residual stock facility in late September or early October 2025.</p>
  455. <p>Stage 3 works continue to progress as expected and remain slightly ahead of schedule.</p>
  456. </div></div></div></div></div></div></div></div></div></div></div></div></div></div><script id="script-row-unique-20" data-row="script-row-unique-20" type="text/javascript" class="vc_controls">UNCODE.initRow(document.getElementById("row-unique-20"));</script></div></div></div><div data-parent="true" class="vc_row row-container" id="row-unique-21"><div class="row no-top-padding no-bottom-padding single-h-padding limit-width row-parent"><div class="wpb_row row-inner"><div class="wpb_column pos-top pos-center align_left column_parent col-lg-12 single-internal-gutter"><div class="uncol style-light"  ><div class="uncoltable"><div class="uncell  vc_custom_1736338773914 border-color-210407-color no-block-padding" style="border-style: solid;border-top-width: 1px ;padding-top: 100px ;padding-bottom: 100px ;" ><div class="uncont" ><div class="vc_row row-internal row-container"><div class="row row-child"><div class="wpb_row row-inner"><div class="wpb_column pos-top pos-center align_left column_child col-lg-2 single-internal-gutter"><div class="uncol style-light" ><div class="uncoltable"><div class="uncell no-block-padding" ><div class="uncont" ><div class="vc_custom_heading_wrap "><div class="heading-text el-text" ><h3 class="font-810153 fontsize-385977 font-weight-400" ><span>Burpengary, QLD</span></h3></div><div class="clear"></div></div></div></div></div></div></div><div class="wpb_column pos-top pos-left align_left column_child col-lg-10 single-internal-gutter"><div class="uncol style-light" ><div class="uncoltable"><div class="uncell no-block-padding" ><div class="uncont" style=" max-width:80%;" ><div class="uncode_text_column" ></p>
  457. <div class="ewa-rteLine">
  458. <div class="ewa-rteLine">
  459. <div class="ewa-rteLine">Construction is progressing well since the civil contractor mobilised on site last month.</div>
  460. <div class="ewa-rteLine"></div>
  461. <div class="ewa-rteLine">Latest status of works include:</div>
  462. <ul>
  463. <li class="ewa-rteLine">Dewatering dams</li>
  464. <li class="ewa-rteLine">Mulch export commenced</li>
  465. <li class="ewa-rteLine">Road box cut 80% complete</li>
  466. <li class="ewa-rteLine">Importing of fill commenced</li>
  467. <li class="ewa-rteLine">Continued topsoil strip</li>
  468. </ul>
  469. </div>
  470. </div>
  471. <p>
  472. </div></div></div></div></div></div></div></div></div></div></div></div></div></div><script id="script-row-unique-21" data-row="script-row-unique-21" type="text/javascript" class="vc_controls">UNCODE.initRow(document.getElementById("row-unique-21"));</script></div></div></div><div data-parent="true" class="vc_row row-container" id="row-unique-22"><div class="row no-top-padding no-bottom-padding single-h-padding limit-width row-parent"><div class="wpb_row row-inner"><div class="wpb_column pos-top pos-center align_left column_parent col-lg-12 single-internal-gutter"><div class="uncol style-light"  ><div class="uncoltable"><div class="uncell  vc_custom_1736338786908 border-color-210407-color no-block-padding" style="border-style: solid;border-top-width: 1px ;padding-top: 100px ;padding-bottom: 100px ;" ><div class="uncont" ><div class="vc_row row-internal row-container"><div class="row row-child"><div class="wpb_row row-inner"><div class="wpb_column pos-top pos-center align_left column_child col-lg-2 single-internal-gutter"><div class="uncol style-light" ><div class="uncoltable"><div class="uncell no-block-padding" ><div class="uncont" ><div class="vc_custom_heading_wrap "><div class="heading-text el-text" ><h3 class="font-810153 fontsize-385977 font-weight-400" ><span>Munno Para Downs (Andrews &amp; Hatcher Road), SA</span></h3></div><div class="clear"></div></div></div></div></div></div></div><div class="wpb_column pos-top pos-left align_left column_child col-lg-10 single-internal-gutter"><div class="uncol style-light" ><div class="uncoltable"><div class="uncell no-block-padding" ><div class="uncont" style=" max-width:80%;" ><div class="uncode_text_column" ></p>
  473. <div class="ewa-rteLine">
  474. <div class="ewa-rteLine">Positive discussions have taken place with the borrower regarding the facility extension, and the terms are close to being finalised. A draft of the updated valuation has been received, which is currenting showing an increase in the property’s value.</div>
  475. </div>
  476. <p>
  477. </div></div></div></div></div></div></div></div></div></div></div></div></div></div><script id="script-row-unique-22" data-row="script-row-unique-22" type="text/javascript" class="vc_controls">UNCODE.initRow(document.getElementById("row-unique-22"));</script></div></div></div><div data-parent="true" class="vc_row row-container" id="row-unique-23"><div class="row no-top-padding no-bottom-padding single-h-padding limit-width row-parent"><div class="wpb_row row-inner"><div class="wpb_column pos-top pos-center align_left column_parent col-lg-12 single-internal-gutter"><div class="uncol style-light"  ><div class="uncoltable"><div class="uncell  vc_custom_1736338799785 border-color-210407-color no-block-padding" style="border-style: solid;border-top-width: 1px ;padding-top: 100px ;padding-bottom: 100px ;" ><div class="uncont" ><div class="vc_row row-internal row-container"><div class="row row-child"><div class="wpb_row row-inner"><div class="wpb_column pos-top pos-center align_left column_child col-lg-2 single-internal-gutter"><div class="uncol style-light" ><div class="uncoltable"><div class="uncell no-block-padding" ><div class="uncont" ><div class="vc_custom_heading_wrap "><div class="heading-text el-text" ><h3 class="font-810153 fontsize-385977 font-weight-400" ><span>Elizabeth South, SA</span></h3></div><div class="clear"></div></div></div></div></div></div></div><div class="wpb_column pos-top pos-left align_left column_child col-lg-10 single-internal-gutter"><div class="uncol style-light" ><div class="uncoltable"><div class="uncell no-block-padding" ><div class="uncont" style=" max-width:80%;" ><div class="uncode_text_column" ><p>Civil works continue to progress well, with 94% of contracted works now complete. Windows and doors installation is well underway, bathroom fitouts are significantly advanced, and the majority of warehouse floor slabs have been poured.</p>
  478. </div></div></div></div></div></div></div></div></div></div></div></div></div></div><script id="script-row-unique-23" data-row="script-row-unique-23" type="text/javascript" class="vc_controls">UNCODE.initRow(document.getElementById("row-unique-23"));</script></div></div></div><div data-parent="true" class="vc_row row-container" id="row-unique-24"><div class="row no-top-padding no-bottom-padding single-h-padding limit-width row-parent"><div class="wpb_row row-inner"><div class="wpb_column pos-top pos-center align_left column_parent col-lg-12 single-internal-gutter"><div class="uncol style-light"  ><div class="uncoltable"><div class="uncell  vc_custom_1736338813663 border-color-210407-color no-block-padding" style="border-style: solid;border-top-width: 1px ;padding-top: 100px ;padding-bottom: 100px ;" ><div class="uncont" ><div class="vc_row row-internal row-container"><div class="row row-child"><div class="wpb_row row-inner"><div class="wpb_column pos-top pos-center align_left column_child col-lg-2 single-internal-gutter"><div class="uncol style-light" ><div class="uncoltable"><div class="uncell no-block-padding" ><div class="uncont" ><div class="vc_custom_heading_wrap "><div class="heading-text el-text" ><h3 class="font-810153 fontsize-385977 font-weight-400" ><span>Devon Park, SA</span></h3></div><div class="clear"></div></div></div></div></div></div></div><div class="wpb_column pos-top pos-left align_left column_child col-lg-10 single-internal-gutter"><div class="uncol style-light" ><div class="uncoltable"><div class="uncell no-block-padding" ><div class="uncont" style=" max-width:80%;" ><div class="uncode_text_column" ></p>
  479. <div class="ewa-rteLine">
  480. <div class="ewa-rteLine">Despite ongoing weather impacts, remediation works are progressing, with completion now expected in the first week of September 2025.</div>
  481. <div class="ewa-rteLine"></div>
  482. <div class="ewa-rteLine">Vapour and groundwater monitoring will continue through to the completion of earthworks, ensuring compliance and site readiness.</div>
  483. </div>
  484. <p>
  485. </div></div></div></div></div></div></div></div></div></div></div></div></div></div><script id="script-row-unique-24" data-row="script-row-unique-24" type="text/javascript" class="vc_controls">UNCODE.initRow(document.getElementById("row-unique-24"));</script></div></div></div><div data-parent="true" class="vc_row row-container" id="row-unique-25"><div class="row no-top-padding no-bottom-padding single-h-padding limit-width row-parent"><div class="wpb_row row-inner"><div class="wpb_column pos-top pos-center align_left column_parent col-lg-12 single-internal-gutter"><div class="uncol style-light"  ><div class="uncoltable"><div class="uncell  vc_custom_1736338813663 border-color-210407-color no-block-padding" style="border-style: solid;border-top-width: 1px ;padding-top: 100px ;padding-bottom: 100px ;" ><div class="uncont" ><div class="vc_row row-internal row-container"><div class="row row-child"><div class="wpb_row row-inner"><div class="wpb_column pos-top pos-center align_left column_child col-lg-2 single-internal-gutter"><div class="uncol style-light" ><div class="uncoltable"><div class="uncell no-block-padding" ><div class="uncont" ><div class="vc_custom_heading_wrap "><div class="heading-text el-text" ><h3 class="font-810153 fontsize-385977 font-weight-400" ><span>Cowaramup, WA</span></h3></div><div class="clear"></div></div></div></div></div></div></div><div class="wpb_column pos-top pos-left align_left column_child col-lg-10 single-internal-gutter"><div class="uncol style-light" ><div class="uncoltable"><div class="uncell no-block-padding" ><div class="uncont" style=" max-width:80%;" ><div class="uncode_text_column" ><p>Council has approved the amended structure plan, and subdivision approval has also been secured. The sponsor has subsequently obtained an updated valuation reflecting a significant uplift in value.</p>
  486. <p>The facility has been extended by 60 days to allow the borrower time to finalise the preferred facility structure, with construction anticipated to commence in November.</p>
  487. </div></div></div></div></div></div></div></div></div></div></div></div></div></div><script id="script-row-unique-25" data-row="script-row-unique-25" type="text/javascript" class="vc_controls">UNCODE.initRow(document.getElementById("row-unique-25"));</script></div></div></div><div data-parent="true" class="vc_row row-container" id="row-unique-26"><div class="row no-top-padding no-bottom-padding single-h-padding limit-width row-parent"><div class="wpb_row row-inner"><div class="wpb_column pos-top pos-center align_left column_parent col-lg-12 single-internal-gutter"><div class="uncol style-light"  ><div class="uncoltable"><div class="uncell  vc_custom_1736338813663 border-color-210407-color no-block-padding" style="border-style: solid;border-top-width: 1px ;padding-top: 100px ;padding-bottom: 100px ;" ><div class="uncont" ><div class="vc_row row-internal row-container"><div class="row row-child"><div class="wpb_row row-inner"><div class="wpb_column pos-top pos-center align_left column_child col-lg-2 single-internal-gutter"><div class="uncol style-light" ><div class="uncoltable"><div class="uncell no-block-padding" ><div class="uncont" ><div class="vc_custom_heading_wrap "><div class="heading-text el-text" ><h3 class="font-810153 fontsize-385977 font-weight-400" ><span>New Farm, QLD</span></h3></div><div class="clear"></div></div></div></div></div></div></div><div class="wpb_column pos-top pos-left align_left column_child col-lg-10 single-internal-gutter"><div class="uncol style-light" ><div class="uncoltable"><div class="uncell no-block-padding" ><div class="uncont" style=" max-width:80%;" ><div class="uncode_text_column" ><p>The facility was extended during the month for a further three months to align with the completion of renovation works.</p>
  488. </div></div></div></div></div></div></div></div></div></div></div></div></div></div><script id="script-row-unique-26" data-row="script-row-unique-26" type="text/javascript" class="vc_controls">UNCODE.initRow(document.getElementById("row-unique-26"));</script></div></div></div><div data-parent="true" class="vc_row row-container" id="row-unique-27"><div class="row no-top-padding no-bottom-padding single-h-padding limit-width row-parent"><div class="wpb_row row-inner"><div class="wpb_column pos-top pos-center align_left column_parent col-lg-12 single-internal-gutter"><div class="uncol style-light"  ><div class="uncoltable"><div class="uncell  vc_custom_1736338813663 border-color-210407-color no-block-padding" style="border-style: solid;border-top-width: 1px ;padding-top: 100px ;padding-bottom: 100px ;" ><div class="uncont" ><div class="vc_row row-internal row-container"><div class="row row-child"><div class="wpb_row row-inner"><div class="wpb_column pos-top pos-center align_left column_child col-lg-2 single-internal-gutter"><div class="uncol style-light" ><div class="uncoltable"><div class="uncell no-block-padding" ><div class="uncont" ><div class="vc_custom_heading_wrap "><div class="heading-text el-text" ><h3 class="font-810153 fontsize-385977 font-weight-400" ><span>Morwell, VIC</span></h3></div><div class="clear"></div></div></div></div></div></div></div><div class="wpb_column pos-top pos-left align_left column_child col-lg-10 single-internal-gutter"><div class="uncol style-light" ><div class="uncoltable"><div class="uncell no-block-padding" ><div class="uncont" style=" max-width:80%;" ><div class="uncode_text_column" ><p>Works on site have been progressing strongly, and the civil contractor has deployed significant additional machinery to accelerate the construction program. To date, bulk earthworks are approximately 30% complete.</p>
  489. </div></div></div></div></div></div></div></div></div></div></div></div></div></div><script id="script-row-unique-27" data-row="script-row-unique-27" type="text/javascript" class="vc_controls">UNCODE.initRow(document.getElementById("row-unique-27"));</script></div></div></div><div data-parent="true" class="vc_row row-container" id="row-unique-28"><div class="row no-top-padding no-bottom-padding single-h-padding limit-width row-parent"><div class="wpb_row row-inner"><div class="wpb_column pos-top pos-center align_left column_parent col-lg-12 single-internal-gutter"><div class="uncol style-light"  ><div class="uncoltable"><div class="uncell  vc_custom_1736338813663 border-color-210407-color no-block-padding" style="border-style: solid;border-top-width: 1px ;padding-top: 100px ;padding-bottom: 100px ;" ><div class="uncont" ><div class="vc_row row-internal row-container"><div class="row row-child"><div class="wpb_row row-inner"><div class="wpb_column pos-top pos-center align_left column_child col-lg-2 single-internal-gutter"><div class="uncol style-light" ><div class="uncoltable"><div class="uncell no-block-padding" ><div class="uncont" ><div class="vc_custom_heading_wrap "><div class="heading-text el-text" ><h3 class="font-810153 fontsize-385977 font-weight-400" ><span>Morayfield, QLD</span></h3></div><div class="clear"></div></div></div></div></div></div></div><div class="wpb_column pos-top pos-left align_left column_child col-lg-10 single-internal-gutter"><div class="uncol style-light" ><div class="uncoltable"><div class="uncell no-block-padding" ><div class="uncont" style=" max-width:80%;" ><div class="uncode_text_column" ><p>Construction continues to progress including the following:</p>
  490. <ul>
  491. <li>Bulk earthworks nearing completion</li>
  492. <li>Sewer works are complete</li>
  493. <li>Internal stormwater is nearing completion</li>
  494. <li>Retaining walls are complete</li>
  495. <li>External road subbase grade complete</li>
  496. </ul>
  497. <p>Titles for Stage 1 are expected to be issued in October with settlements to commence in November.</p>
  498. <p>The sponsor has sold 56 out of the 70 lots, however, only 41 of these have been recognised as qualifying presales, as the remaining contracts either fall outside the required sunset dates or do not have a 10% land deposit paid.</p>
  499. </div></div></div></div></div></div></div></div></div></div></div></div></div></div><script id="script-row-unique-28" data-row="script-row-unique-28" type="text/javascript" class="vc_controls">UNCODE.initRow(document.getElementById("row-unique-28"));</script></div></div></div><div data-parent="true" class="vc_row row-container" id="row-unique-29"><div class="row no-top-padding no-bottom-padding single-h-padding limit-width row-parent"><div class="wpb_row row-inner"><div class="wpb_column pos-top pos-center align_left column_parent col-lg-12 single-internal-gutter"><div class="uncol style-light"  ><div class="uncoltable"><div class="uncell  vc_custom_1736338840499 border-color-210407-color no-block-padding" style="border-style: solid;border-top-width: 1px ;padding-top: 100px ;padding-bottom: 100px ;" ><div class="uncont" ><div class="vc_row row-internal row-container"><div class="row row-child"><div class="wpb_row row-inner"><div class="wpb_column pos-top pos-center align_left column_child col-lg-2 single-internal-gutter"><div class="uncol style-light" ><div class="uncoltable"><div class="uncell no-block-padding" ><div class="uncont" ><div class="vc_custom_heading_wrap "><div class="heading-text el-text" ><h3 class="font-810153 fontsize-385977 font-weight-400" ><span>Hackney, SA</span></h3></div><div class="clear"></div></div></div></div></div></div></div><div class="wpb_column pos-top pos-left align_left column_child col-lg-10 single-internal-gutter"><div class="uncol style-light" ><div class="uncoltable"><div class="uncell no-block-padding" ><div class="uncont" style=" max-width:80%;" ><div class="uncode_text_column" ></p>
  500. <div class="ewa-rteLine">Skyloft Apartments</div>
  501. <ul>
  502. <li class="ewa-rteLine">Construction of Level 4 has been completed and fully fitted out, with ongoing inspections by prospective purchasers.</li>
  503. <li class="ewa-rteLine">Level 5 is approaching practical completion, with carpet installation scheduled for the first week of August. The Certificate of Occupancy is expected in late August. There have been minor delays to some finishing works.</li>
  504. </ul>
  505. <p>Hotel Component:</p>
  506. <ul>
  507. <li class="ewa-rteLine">Practical completion is expected in early September. The sponsor has a buyer that is wanting to operate the hotel component itself not including the food and beverage area which has primarily caused the delay in completion due to the change in plans.</li>
  508. <li class="ewa-rteLine">The food and beverage area has been leased to an external operator and as it is held on a separate title from the hotel, is planned to be sold.</li>
  509. </ul>
  510. <p>Sales &amp; Settlement Update:</p>
  511. <ul>
  512. <li class="ewa-rteLine">The sponsor has successfully sold 2 of the level 5 Sky Loft apartments above valuation.</li>
  513. <li class="ewa-rteLine">The West Lakes property remains on track to settle in October 2025.</li>
  514. </ul>
  515. <p>
  516. </div></div></div></div></div></div></div></div></div></div></div></div></div></div><script id="script-row-unique-29" data-row="script-row-unique-29" type="text/javascript" class="vc_controls">UNCODE.initRow(document.getElementById("row-unique-29"));</script></div></div></div><div data-parent="true" class="vc_row row-container" id="row-unique-30"><div class="row no-top-padding no-bottom-padding single-h-padding limit-width row-parent"><div class="wpb_row row-inner"><div class="wpb_column pos-top pos-center align_left column_parent col-lg-12 single-internal-gutter"><div class="uncol style-light"  ><div class="uncoltable"><div class="uncell  vc_custom_1736338840499 border-color-210407-color no-block-padding" style="border-style: solid;border-top-width: 1px ;padding-top: 100px ;padding-bottom: 100px ;" ><div class="uncont" ><div class="vc_row row-internal row-container"><div class="row row-child"><div class="wpb_row row-inner"><div class="wpb_column pos-top pos-center align_left column_child col-lg-2 single-internal-gutter"><div class="uncol style-light" ><div class="uncoltable"><div class="uncell no-block-padding" ><div class="uncont" ><div class="vc_custom_heading_wrap "><div class="heading-text el-text" ><h3 class="font-810153 fontsize-385977 font-weight-400" ><span>Enfield, SA</span></h3></div><div class="clear"></div></div></div></div></div></div></div><div class="wpb_column pos-top pos-left align_left column_child col-lg-10 single-internal-gutter"><div class="uncol style-light" ><div class="uncoltable"><div class="uncell no-block-padding" ><div class="uncont" style=" max-width:80%;" ><div class="uncode_text_column" ></p>
  517. <div class="ewa-rteLine">
  518. <div class="ewa-rteLine">
  519. <div class="ewa-rteLine">The sponsor is continuing discussions with major lenders to procure construction finance for the proposed childcare centre.</div>
  520. </div>
  521. </div>
  522. <p>
  523. </div></div></div></div></div></div></div></div></div></div></div></div></div></div><script id="script-row-unique-30" data-row="script-row-unique-30" type="text/javascript" class="vc_controls">UNCODE.initRow(document.getElementById("row-unique-30"));</script></div></div></div><div data-parent="true" class="vc_row row-container" id="row-unique-31"><div class="row no-top-padding no-bottom-padding single-h-padding limit-width row-parent"><div class="wpb_row row-inner"><div class="wpb_column pos-top pos-center align_left column_parent col-lg-12 single-internal-gutter"><div class="uncol style-light"  ><div class="uncoltable"><div class="uncell  vc_custom_1736338840499 border-color-210407-color no-block-padding" style="border-style: solid;border-top-width: 1px ;padding-top: 100px ;padding-bottom: 100px ;" ><div class="uncont" ><div class="vc_row row-internal row-container"><div class="row row-child"><div class="wpb_row row-inner"><div class="wpb_column pos-top pos-center align_left column_child col-lg-2 single-internal-gutter"><div class="uncol style-light" ><div class="uncoltable"><div class="uncell no-block-padding" ><div class="uncont" ><div class="vc_custom_heading_wrap "><div class="heading-text el-text" ><h3 class="font-810153 fontsize-385977 font-weight-400" ><span>Warragul, VIC</span></h3></div><div class="clear"></div></div></div></div></div></div></div><div class="wpb_column pos-top pos-left align_left column_child col-lg-10 single-internal-gutter"><div class="uncol style-light" ><div class="uncoltable"><div class="uncell no-block-padding" ><div class="uncont" style=" max-width:80%;" ><div class="uncode_text_column" ><p>The facility reached financial close during the month.</p>
  524. </div></div></div></div></div></div></div></div></div></div></div></div></div></div><script id="script-row-unique-31" data-row="script-row-unique-31" type="text/javascript" class="vc_controls">UNCODE.initRow(document.getElementById("row-unique-31"));</script></div></div></div><div data-parent="true" class="vc_row row-container" id="row-unique-32"><div class="row no-top-padding no-bottom-padding single-h-padding limit-width row-parent"><div class="wpb_row row-inner"><div class="wpb_column pos-top pos-center align_left column_parent col-lg-12 single-internal-gutter"><div class="uncol style-light"  ><div class="uncoltable"><div class="uncell  vc_custom_1736338840499 border-color-210407-color no-block-padding" style="border-style: solid;border-top-width: 1px ;padding-top: 100px ;padding-bottom: 100px ;" ><div class="uncont" ><div class="vc_row row-internal row-container"><div class="row row-child"><div class="wpb_row row-inner"><div class="wpb_column pos-top pos-center align_left column_child col-lg-2 single-internal-gutter"><div class="uncol style-light" ><div class="uncoltable"><div class="uncell no-block-padding" ><div class="uncont" ><div class="vc_custom_heading_wrap "><div class="heading-text el-text" ><h3 class="font-810153 fontsize-385977 font-weight-400" ><span>Windsor &amp; Prahran, VIC</span></h3></div><div class="clear"></div></div></div></div></div></div></div><div class="wpb_column pos-top pos-left align_left column_child col-lg-10 single-internal-gutter"><div class="uncol style-light" ><div class="uncoltable"><div class="uncell no-block-padding" ><div class="uncont" style=" max-width:80%;" ><div class="uncode_text_column" ><p>The facility reached financial close during the month.</p>
  525. </div></div></div></div></div></div></div></div></div></div></div></div></div></div><script id="script-row-unique-32" data-row="script-row-unique-32" type="text/javascript" class="vc_controls">UNCODE.initRow(document.getElementById("row-unique-32"));</script></div></div></div><div data-parent="true" class="vc_row row-container" id="row-unique-33"><div class="row no-top-padding no-bottom-padding single-h-padding limit-width row-parent"><div class="wpb_row row-inner"><div class="wpb_column pos-top pos-center align_left column_parent col-lg-12 single-internal-gutter"><div class="uncol style-light"  ><div class="uncoltable"><div class="uncell  vc_custom_1736338840499 border-color-210407-color no-block-padding" style="border-style: solid;border-top-width: 1px ;padding-top: 100px ;padding-bottom: 100px ;" ><div class="uncont" ><div class="vc_row row-internal row-container"><div class="row row-child"><div class="wpb_row row-inner"><div class="wpb_column pos-top pos-center align_left column_child col-lg-2 single-internal-gutter"><div class="uncol style-light" ><div class="uncoltable"><div class="uncell no-block-padding" ><div class="uncont" ><div class="vc_custom_heading_wrap "><div class="heading-text el-text" ><h3 class="font-810153 fontsize-385977 font-weight-400" ><span>Mackay, QLD</span></h3></div><div class="clear"></div></div></div></div></div></div></div><div class="wpb_column pos-top pos-left align_left column_child col-lg-10 single-internal-gutter"><div class="uncol style-light" ><div class="uncoltable"><div class="uncell no-block-padding" ><div class="uncont" style=" max-width:80%;" ><div class="uncode_text_column" ><p>The facility reached financial close during the month.</p>
  526. </div></div></div></div></div></div></div></div></div></div></div></div></div></div><script id="script-row-unique-33" data-row="script-row-unique-33" type="text/javascript" class="vc_controls">UNCODE.initRow(document.getElementById("row-unique-33"));</script></div></div></div>
  527. </div><p>The post <a href="https://arkcapital.com.au/news-insights/investment-updates-august-2025/">Investment Updates: August 2025</a> appeared first on <a href="https://arkcapital.com.au">Ark Capital</a>.</p>
  528. ]]></content:encoded>
  532. </item>
  533. <item>
  534. <title>OK Boomer: Why Gen Z Is Right About Money</title>
  535. <link>https://arkcapital.com.au/news-insights/why-gen-z-is-right-about-money/</link>
  537. <dc:creator><![CDATA[Marketing]]></dc:creator>
  538. <pubDate>Wed, 20 Aug 2025 23:35:40 +0000</pubDate>
  539. <category><![CDATA[News and Insights]]></category>
  540. <guid isPermaLink="false">https://arkcapital.com.au/?p=4403</guid>
  541.  
  542. <description><![CDATA[<p>My daughters love to call me a "Boomer" – despite the fact that I'm solidly Gen X!</p>
  543. <p>The post <a href="https://arkcapital.com.au/news-insights/why-gen-z-is-right-about-money/">OK Boomer: Why Gen Z Is Right About Money</a> appeared first on <a href="https://arkcapital.com.au">Ark Capital</a>.</p>
  544. ]]></description>
  545. <content:encoded><![CDATA[<div class="wpb-content-wrapper"><div data-parent="true" class="vc_row row-container" id="row-unique-34"><div class="row double-top-padding double-bottom-padding single-h-padding limit-width row-parent"><div class="wpb_row row-inner"><div class="wpb_column pos-top pos-center align_left column_parent col-lg-12 single-internal-gutter"><div class="uncol style-light"  ><div class="uncoltable"><div class="uncell no-block-padding" ><div class="uncont" ><div class="vc_row row-internal row-container"><div class="row row-child"><div class="wpb_row row-inner"><div class="wpb_column pos-top pos-center align_left column_child col-lg-2 single-internal-gutter"><div class="uncol style-light" ><div class="uncoltable"><div class="uncell no-block-padding" ><div class="uncont" ></div></div></div></div></div><div class="wpb_column pos-top pos-left align_left column_child col-lg-10 single-internal-gutter"><div class="uncol style-light" ><div class="uncoltable"><div class="uncell no-block-padding" ><div class="uncont" style=" max-width:80%;" ><div class="uncode_text_column text-lead" ><p>It&#8217;s partly a joke, partly their way of pointing out how different the world is now compared to when I was starting out. And you know what? They&#8217;re absolutely right. </p>
  546. </div><div class="uncode_text_column text-lead" ><p>The traditional Australian path to wealth – buy a house, watch it double every decade – has fundamentally broken down for their generation. But here&#8217;s what consistently amazes me: rather than giving up, Gen Z has become the most financially literate generation we&#8217;ve ever seen. They&#8217;ve had to be.</p>
  547. </div><div class="vc_custom_heading_wrap "><div class="heading-text el-text" ><h3 class="h4 text-color-prif-color" ><span>Australia’s Housing Affordability Crisis: A Different Economic Reality for Millennials and Gen Z</span></h3></div><div class="clear"></div></div><div class="uncode_text_column" ><p>For a millennial household it takes over 5.5 years to save for a deposit. A household earning the <a href="https://www.cis.org.au/publication/housing-is-becoming-a-pipe-dream-for-young-australians/">median income</a> in Australia can now afford just 13% of homes sold across the country, compared to the relative ease my generation experienced entering the property market.</p>
  548. <p>Baby Boomers aged 25–39 in 1991 were three times more likely to own their homes outright than Millennials aged 25–39 in 2021.</p>
  549. </div><div class="uncode_text_column" ><p>Think about that for a moment – we&#8217;re not talking about minor shifts in affordability, but a complete structural change in how wealth building works in <a href="https://www.abs.gov.au/media-centre/media-releases/owning-home-has-decreased-over-successive-generations">Australia</a>.</p>
  550. <p>Generation Z holds the smallest average housing wealth, at just $69,000, while Gen X boasts $1.31 million in housing wealth, slightly edging out Baby Boomers at $1.30 million. The wealth gap isn&#8217;t just about age – it&#8217;s about completely different economic starting points.</p>
  551. </div><div class="vc_custom_heading_wrap "><div class="heading-text el-text" ><h3 class="h4 text-color-prif-color" ><span>The Old Playbook Has Expired</span></h3></div><div class="clear"></div></div><div class="uncode_text_column" ><p>For Gen X and Boomers, wealth building was relatively straightforward: buy property, hold long-term, benefit from capital growth. According to CoreLogic data, Australian house price growth over the last 30 years has averaged<a href="https://www.dpn.com.au/articles/house-price-growth-australia-over-30-years"> 6.4% each year</a>.</p>
  552. <p>We didn&#8217;t need to be particularly sophisticated investors. Property appreciation largely took care of itself, driven by population growth, relatively stable interest rates, and crucially, affordable entry points relative to incomes.</p>
  553. <p>But that playbook no longer works for most young Australians. The time required to save for a deposit tells the stark story of declining affordability.</p>
  554. </div><div class="uncode_text_column" ><p><span class="TextRun SCXW35617562 BCX8" lang="EN-GB" xml:lang="EN-GB" data-contrast="auto"><span class="NormalTextRun SCXW35617562 BCX8">In </span><span class="NormalTextRun SCXW35617562 BCX8">the 1980s, it took just over 2 years to save for a 20% deposit. </span><span class="NormalTextRun SCXW35617562 BCX8">In </span><span class="NormalTextRun SCXW35617562 BCX8">ear</span><span class="NormalTextRun SCXW35617562 BCX8">l</span><span class="NormalTextRun SCXW35617562 BCX8">y </span><span class="NormalTextRun SCXW35617562 BCX8">2020, it took 7.4 years to save a 20% deposit for the median home on a median income. By 2025, that figure has risen to 10.0 years for capital cities &#8211; meaning </span><span class="NormalTextRun SCXW35617562 BCX8">young </span><span class="NormalTextRun SCXW35617562 BCX8">Austr</span><span class="NormalTextRun SCXW35617562 BCX8">alians now need an entire decade of dedicated saving just to get a foot </span><span class="NormalTextRun SCXW35617562 BCX8">in </span><span class="NormalTextRun SCXW35617562 BCX8">the door.</span><span class="NormalTextRun SCXW35617562 BCX8"> </span></span><span class="EOP SCXW35617562 BCX8" data-ccp-props="{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:240}"> </span></p>
  555. </div><div class="vc_custom_heading_wrap "><div class="heading-text el-text" ><h3 class="h4 text-color-prif-color" ><span>Gen Z&#8217;s Financial Sophistication: Necessity Breeds Innovation</span></h3></div><div class="clear"></div></div><div class="uncode_text_column" ><p>What strikes me most about my daughters&#8217; generation is their financial awareness. They understand concepts like compound interest, diversification, and alternative investments in ways that many of my peers still don&#8217;t. They&#8217;ve had to develop this sophistication because the simple &#8220;buy property and wait&#8221; strategy is largely inaccessible to them.</p>
  556. <p>My daughters are perfect examples of this financial sophistication. Both have devoured Scott Pape&#8217;s <a href="https://www.barefootinvestor.com/">&#8220;The Barefoot Investor&#8221;</a> books and religiously follow his advice &#8211; something that would have been unthinkable for most people my age at their stage of life.</p>
  557. <p>They understand bucket strategies, emergency funds, and investment principles that many adults still struggle with. Rather than simply lamenting the reality of unaffordable housing, they&#8217;re actively seeking alternative wealth-building strategies.</p>
  558. </div><div class="vc_custom_heading_wrap "><div class="heading-text el-text" ><h3 class="h4 text-color-prif-color" ><span>The Alternative Path to Property Investment</span></h3></div><div class="clear"></div></div><div class="uncode_text_column" ><p><span data-contrast="auto">This is where the story gets interesting. Unable to access traditional property investment at scale, Gen Z is increasingly turning to alternative investments that previous generations largely ignored. Private credit funds, for instance, have emerged as a compelling option.</span><span data-ccp-props="{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:240}"> </span></p>
  559. <p><span data-ccp-props="{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:240}"> </span></p>
  560. <p><span data-contrast="auto">Private credit funds in Australia, similar to those offered by Ark Capital have emerged as a compelling alternative, offering returns around 10% annually. But it&#8217;s the private real estate credit sector that&#8217;s particularly caught Gen Z&#8217;s attention &#8211; perhaps because property investment remains deeply embedded in the Australian psyche, even when traditional ownership is out of reach.</span><span data-ccp-props="{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:240}"> </span></p>
  561. <p><span data-ccp-props="{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:240}"> </span></p>
  562. <p><span data-contrast="auto">Private real estate credit funds provide an alternative financing source for property developers and projects, offering more flexible lending terms than traditional banks. Some funds are delivering net monthly returns ranging from 0.75% to 1.00%, which annualizes to returns that historically exceed historical property capital growth.</span><span data-ccp-props="{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:240}"> </span></p>
  563. <p><span data-ccp-props="{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:240}"> </span></p>
  564. <p><span data-contrast="auto">The accessibility varies significantly between retail and wholesale offerings. While many of the highest-yielding private credit funds require wholesale investor status, the growing retail market has opened doors for younger investors. Some retail-accessible funds start from as low as $10,000 to $25,000, while wholesale funds typically require $50,000 to $100,000 minimums.</span><span data-ccp-props="{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:240}"> </span></p>
  565. <p><span data-contrast="auto">This means Gen Z can participate in property markets through credit investment without needing the hundreds of thousands required for traditional property deposits. They&#8217;re still investing in Australia&#8217;s property sector &#8211; just approaching it from the lending side rather than ownership.</span><span data-ccp-props="{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:240}"> </span></p>
  566. </div><div class="vc_custom_heading_wrap "><div class="heading-text el-text" ><h3 class="h4 text-color-prif-color" ><span>A Different Path to the Same Goal</span></h3></div><div class="clear"></div></div><div class="uncode_text_column" ><p><span data-contrast="auto">This is where the story gets interesting. Unable to access traditional property investment at scale, Gen Z is increasingly turning to alternative investments that previous generations largely ignored. Private credit funds, for instance, have emerged as a compelling option.</span></p>
  567. <p>Private credit&#8217;s performance is less influenced by public market fluctuations, offering stability, and these investments often provide predictable cash flow: investors receive steady income streams, ideal for income-focused portfolios. </p>
  568. </div><div class="vc_custom_heading_wrap "><div class="heading-text el-text" ><h3 class="h4 text-color-prif-color" ><span>Investment Lessons for Australians: Diversification, Private Credit, and Financial Security</span></h3></div><div class="clear"></div></div><div class="uncode_text_column" ><p>My daughters calling me a &#8220;Boomer&#8221; isn&#8217;t really about age – it&#8217;s about recognizing that different times require different strategies. While I benefited from a property market that rewarded simple buy-and-hold strategies, they&#8217;re developing sophisticated, diversified approaches to wealth building that may ultimately prove more robust.</p>
  569. <p>Here at Ark Capital, we believe private credit is not just an alternative — it’s becoming an essential part of the modern Australian investment portfolio.</p>
  570. <p>The traditional Australian dream of homeownership isn&#8217;t dead, but the path to get there has fundamentally changed. Gen Z&#8217;s financial literacy and embrace of alternative investments isn&#8217;t just adaptation – it&#8217;s evolution.</p>
  571. <p>As investors of any age, we can learn from their approach: diversification, early starting, and openness to non-traditional wealth-building strategies. The economic game has changed, but the goal of financial security remains the same.</p>
  572. <p>Perhaps it&#8217;s time for this Gen X &#8220;Boomer&#8221; to take some notes from his daughters&#8217; playbook.</p>
  573. <p>
  574. </div><div class="vc_custom_heading_wrap "><div class="heading-text el-text" ><h3 class="h4 text-color-prif-color" ><span>Let’s Talk</span></h3></div><div class="clear"></div></div><div class="uncode_text_column" ><p>If you’re an investor, borrower or strategic partner who values forward-thinking leadership, now is the right time to <a href="https://arkcapital.com.au/contact/">connect</a>.</p>
  575. <p>Let’s talk about where you want to go and how we can help you get there.</p>
  576. </div><div class="uncode_text_column text-small" ><p>Article written by Peri Macdonald, Chief Executive Officer &amp; Managing Director</p>
  577. <p><span class="TextRun SCXW30386806 BCX0" lang="EN-AU" xml:lang="EN-AU" data-contrast="none"><span class="NormalTextRun Superscript SCXW30386806 BCX0" data-fontsize="14" data-ccp-charstyle="Emphasis">The commentary in </span><span class="NormalTextRun Superscript SCXW30386806 BCX0" data-fontsize="14" data-ccp-charstyle="Emphasis">this article in </span><span class="NormalTextRun Superscript SCXW30386806 BCX0" data-fontsize="14" data-ccp-charstyle="Emphasis">no way </span><span class="NormalTextRun Superscript SCXW30386806 BCX0" data-fontsize="14" data-ccp-charstyle="Emphasis">constitutes</span><span class="NormalTextRun Superscript SCXW30386806 BCX0" data-fontsize="14" data-ccp-charstyle="Emphasis"> a solicitation of</span> <span class="NormalTextRun Superscript SCXW30386806 BCX0" data-fontsize="14" data-ccp-charstyle="Emphasis">business or product advice</span><span class="NormalTextRun Superscript SCXW30386806 BCX0" data-fontsize="14" data-ccp-charstyle="Emphasis">.  </span><span class="NormalTextRun Superscript SCXW30386806 BCX0" data-fontsize="14" data-ccp-charstyle="Emphasis">It is expressed solely as the opinion of the author</span><span class="NormalTextRun Superscript SCXW30386806 BCX0" data-fontsize="14" data-ccp-charstyle="Emphasis">,</span><span class="NormalTextRun Superscript SCXW30386806 BCX0" data-fontsize="14" data-ccp-charstyle="Emphasis"> and as general information for the reader</span><span class="NormalTextRun Superscript SCXW30386806 BCX0" data-fontsize="14" data-ccp-charstyle="Emphasis">. It i</span><span class="NormalTextRun Superscript SCXW30386806 BCX0" data-fontsize="14" data-ccp-charstyle="Emphasis">s </span><span class="NormalTextRun Superscript SCXW30386806 BCX0" data-fontsize="14" data-ccp-charstyle="Emphasis">not information to be relied upon in making <a href="https://arkcapital.com.au/news-insights/a-methodology-driver-approach-to-real-estate-investment/">investment decisions</a></span><span class="NormalTextRun Superscript SCXW30386806 BCX0" data-fontsize="14" data-ccp-charstyle="Emphasis">.</span></span></p>
  578. </div><div class="uncode_text_column" ><p>Want more articles like this? Follow <a href="https://www.linkedin.com/in/peri-macdonald-a5675612/">Peri Macdonald on LinkedIn. </a></p>
  579. </div>
  580. <div class="wpb_raw_code wpb_raw_html " >
  581. <div class="wpb_wrapper">
  582. <button class="custom-link btn btn-sm border-width-0 btn-accent btn-icon-left cursor-init" id="linkedin-share-btn">Share Article</button>
  583.  
  584. <script>
  585. document.getElementById("linkedin-share-btn").addEventListener("click", function () {
  586.    // Find canonical link in the page
  587.    const canonicalLink = document.querySelector('link[rel="canonical"]');
  588.    if (!canonicalLink) return;
  589.  
  590.    // Get and encode canonical URL
  591.    const canonicalUrl = canonicalLink.href;
  592.    const shareUrl = `https://www.linkedin.com/sharing/share-offsite/?url=${encodeURIComponent(canonicalUrl)}`;
  593.  
  594.    // Open in new tab
  595.    window.open(shareUrl, "_blank", "noopener,noreferrer");
  596. });
  597. </script>
  598. </div>
  599. </div>
  600. </div></div></div></div></div></div></div></div></div></div></div></div></div><script id="script-row-unique-34" data-row="script-row-unique-34" type="text/javascript" class="vc_controls">UNCODE.initRow(document.getElementById("row-unique-34"));</script></div></div></div><div data-parent="true" class="vc_row row-container" id="row-unique-35"><div class="row limit-width row-parent"><div class="wpb_row row-inner"><div class="wpb_column pos-top pos-center align_left column_parent col-lg-12 single-internal-gutter"><div class="uncol style-light"  ><div class="uncoltable"><div class="uncell no-block-padding" ><div class="uncont" ><div class="uncode_text_column" ></div></div></div></div></div></div><script id="script-row-unique-35" data-row="script-row-unique-35" type="text/javascript" class="vc_controls">UNCODE.initRow(document.getElementById("row-unique-35"));</script></div></div></div>
  601. </div><p>The post <a href="https://arkcapital.com.au/news-insights/why-gen-z-is-right-about-money/">OK Boomer: Why Gen Z Is Right About Money</a> appeared first on <a href="https://arkcapital.com.au">Ark Capital</a>.</p>
  602. ]]></content:encoded>
  606. </item>
  607. <item>
  608. <title>Beyond the Headlines: What the RBA’s 25bp Cut Means</title>
  609. <link>https://arkcapital.com.au/news-insights/rbas-25bp-cut/</link>
  611. <dc:creator><![CDATA[Marketing]]></dc:creator>
  612. <pubDate>Thu, 14 Aug 2025 00:24:39 +0000</pubDate>
  613. <category><![CDATA[News and Insights]]></category>
  614. <guid isPermaLink="false">https://arkcapital.com.au/?p=4339</guid>
  615.  
  616. <description><![CDATA[<p>The Reserve Bank of Australia’s decision yesterday to reduce the cash rate from 3.85% to 3.60% marks the third cut this year and reflects more than just a move toward easier monetary conditions.</p>
  617. <p>The post <a href="https://arkcapital.com.au/news-insights/rbas-25bp-cut/">Beyond the Headlines: What the RBA’s 25bp Cut Means</a> appeared first on <a href="https://arkcapital.com.au">Ark Capital</a>.</p>
  618. ]]></description>
  619. <content:encoded><![CDATA[<div class="wpb-content-wrapper"><div data-parent="true" class="vc_row row-container" id="row-unique-36"><div class="row double-top-padding double-bottom-padding single-h-padding limit-width row-parent"><div class="wpb_row row-inner"><div class="wpb_column pos-top pos-center align_left column_parent col-lg-12 single-internal-gutter"><div class="uncol style-light"  ><div class="uncoltable"><div class="uncell no-block-padding" ><div class="uncont" ><div class="vc_row row-internal row-container"><div class="row row-child"><div class="wpb_row row-inner"><div class="wpb_column pos-top pos-center align_left column_child col-lg-2 single-internal-gutter"><div class="uncol style-light" ><div class="uncoltable"><div class="uncell no-block-padding" ><div class="uncont" ></div></div></div></div></div><div class="wpb_column pos-top pos-left align_left column_child col-lg-10 single-internal-gutter"><div class="uncol style-light" ><div class="uncoltable"><div class="uncell no-block-padding" ><div class="uncont" style=" max-width:80%;" ><div class="uncode_text_column text-lead" ><p><span data-olk-copy-source="MessageBody"> For those of us in the property development and investment sectors, the rate change and the <a href="https://www.rba.gov.au/media-releases/">RBA’s</a> accompanying commentary provides a nuanced picture where there are genuine opportunities for well-positioned projects, but also reminders that the broader economic environment remains complex.</span></p>
  620. </div><div class="vc_custom_heading_wrap "><div class="heading-text el-text" ><h3 class="h4 text-color-prif-color" ><span>Lower Rates: A Tailwind for Quality Projects</span></h3></div><div class="clear"></div></div><div class="uncode_text_column" ><p>For borrowers and equity partners, a total of 75 basis points of easing in 2025 represents meaningful relief in financing costs.</p>
  621. <p><span data-olk-copy-source="MessageBody">On a $15M land loan at RBA + 6.65% over 24 months, starting when the <a href="https://www.rba.gov.au/">RBA</a> rate was 4.35%, total interest payable would have been around $3.30M over the life of the loan. With the cash rate now at 3.60%, interest costs fall to approximately $3.08M — a saving of about $225,000 over the term.</span></p>
  622. <p>Well-structured developments, especially those with pre-sales or located in high-demand markets, now enjoy improved project economics. This can help unlock opportunities that were marginal under higher-rate conditions.</p>
  623. </div><div class="vc_custom_heading_wrap "><div class="heading-text el-text" ><h3 class="h4 text-color-prif-color" ><span>“When the economics of a project improve, as they have with lower borrowing costs, speed matters. Our team is structured to move swiftly from assessment to funding so borrowers can lock in favourable terms.”</span></h3></div><div class="clear"></div></div><div class="uncode_text_column" ></p>
  624. <div>For our investors, lower rates can also support valuations and potentially improve liquidity in certain market segments. In <a href="https://investmentcouncil.com.au//">private real estate debt</a>, where risk-adjusted returns depend heavily on borrower capacity and project fundamentals, reduced borrowing costs can enhance project resilience especially when paired with disciplined capital structures.</div>
  625. <p>
  626. </div><div class="vc_custom_heading_wrap "><div class="heading-text el-text" ><h3 class="h4 text-color-prif-color" ><span>The Other Side of the Coin: Slower Growth Expectations</span></h3></div><div class="clear"></div></div><div class="uncode_text_column" ><p>Perhaps more telling than the rate cut itself was the RBA’s downgrade to Australia’s long-term productivity growth, from 1.0% to 0.7% annually which in turn lowers expected trend GDP growth from 2.3% to 2.0%. This is the first such revision since the pandemic and it signals that while rates may be lower, the economy’s underlying growth engine is not firing as strongly.</p>
  627. <p>Lower productivity growth constrains the economy’s capacity to deliver sustained real wage increases and robust demand expansion. For developers and investors, this means that not all projects will benefit equally from cheaper finance. In a slower-growth world, capital will flow disproportionately to projects with strong fundamentals, efficient delivery, and clear market demand.</p>
  628. </div><div class="vc_custom_heading_wrap "><div class="heading-text el-text" ><h3 class="h4 text-color-prif-color" ><span>Ark&#8217;s Perspective</span></h3></div><div class="clear"></div></div><div class="uncode_text_column" ><p><span data-olk-copy-source="MessageBody">With significant experience in property development, investment, financing, and funds management, our focus is capital preservation and sustainable returns. This environment rewards disciplined operators who combine the cost advantages of lower rates with prudent project selection, operational efficiency, and robust governance.</span></p>
  629. </div><div class="vc_custom_heading_wrap "><div class="heading-text el-text" ><h3 class="h4 text-color-prif-color" ><span>We see opportunity in:</span></h3></div><div class="clear"></div></div><div class="uncode_text_column" ><p>Well-capitalised borrowers able to act on viable, demand-led projects.</p>
  630. <p>Investors seeking stable, risk-managed exposure through high-quality private debt and equity.</p>
  631. <p>Projects with strong value propositions positioned for outperformance in a slower-growth economy.</p>
  632. </div><div class="vc_custom_heading_wrap "><div class="heading-text el-text" ><h3 class="h4 text-color-prif-color" ><span>25bp Cut Welcomed</span></h3></div><div class="clear"></div></div><div class="uncode_text_column" ><p><span data-olk-copy-source="MessageBody">The RBA’s 25bp cut is welcome, but it is not a green light for unrestrained expansion. </span>It is a moment for careful positioning for borrowers to strengthen balance sheets and for investors to focus on well-structured, demand-led opportunities.</p>
  633. <p>Ark&#8217;s role is to be a responsive, informed partner translating <a href="https://www.rba.gov.au/chart-pack/">macroeconomic</a> shifts into practical strategies for safeguarding capital and long-term value creation.</p>
  634. </div><div class="vc_custom_heading_wrap "><div class="heading-text el-text" ><h3 class="h4 text-color-prif-color" ><span>Let’s Talk</span></h3></div><div class="clear"></div></div><div class="uncode_text_column" ><p>If you’re an investor, borrower or strategic partner who values forward-thinking leadership, now is the right time to <a href="https://arkcapital.com.au/contact/">connect</a>.</p>
  635. <p>Let’s talk about where you want to go and how we can help you get there.</p>
  636. </div><div class="uncode_text_column text-small" ><p>Article written by Anita Young, Chief Financial Officer</p>
  637. <p><span class="TextRun SCXW30386806 BCX0" lang="EN-AU" xml:lang="EN-AU" data-contrast="none"><span class="NormalTextRun Superscript SCXW30386806 BCX0" data-fontsize="14" data-ccp-charstyle="Emphasis">The commentary in </span><span class="NormalTextRun Superscript SCXW30386806 BCX0" data-fontsize="14" data-ccp-charstyle="Emphasis">this article in </span><span class="NormalTextRun Superscript SCXW30386806 BCX0" data-fontsize="14" data-ccp-charstyle="Emphasis">no way </span><span class="NormalTextRun Superscript SCXW30386806 BCX0" data-fontsize="14" data-ccp-charstyle="Emphasis">constitutes</span><span class="NormalTextRun Superscript SCXW30386806 BCX0" data-fontsize="14" data-ccp-charstyle="Emphasis"> a solicitation of</span> <span class="NormalTextRun Superscript SCXW30386806 BCX0" data-fontsize="14" data-ccp-charstyle="Emphasis">business or product advice</span><span class="NormalTextRun Superscript SCXW30386806 BCX0" data-fontsize="14" data-ccp-charstyle="Emphasis">.  </span><span class="NormalTextRun Superscript SCXW30386806 BCX0" data-fontsize="14" data-ccp-charstyle="Emphasis">It is expressed solely as the opinion of the author</span><span class="NormalTextRun Superscript SCXW30386806 BCX0" data-fontsize="14" data-ccp-charstyle="Emphasis">,</span><span class="NormalTextRun Superscript SCXW30386806 BCX0" data-fontsize="14" data-ccp-charstyle="Emphasis"> and as general information for the reader</span><span class="NormalTextRun Superscript SCXW30386806 BCX0" data-fontsize="14" data-ccp-charstyle="Emphasis">. It i</span><span class="NormalTextRun Superscript SCXW30386806 BCX0" data-fontsize="14" data-ccp-charstyle="Emphasis">s </span><span class="NormalTextRun Superscript SCXW30386806 BCX0" data-fontsize="14" data-ccp-charstyle="Emphasis">not information to be relied upon in making <a href="https://arkcapital.com.au/news-insights/a-methodology-driver-approach-to-real-estate-investment/">investment decisions</a></span><span class="NormalTextRun Superscript SCXW30386806 BCX0" data-fontsize="14" data-ccp-charstyle="Emphasis">.</span></span></p>
  638. </div><div class="uncode_text_column" ><p>Want more articles like this? Follow <a href="https://www.linkedin.com/in/anita-young-53089934/">Anita Young</a></p>
  639. </div>
  640. <div class="wpb_raw_code wpb_raw_html " >
  641. <div class="wpb_wrapper">
  642. <button class="custom-link btn btn-sm border-width-0 btn-accent btn-icon-left cursor-init" id="linkedin-share-btn">Share Article</button>
  643.  
  644. <script>
  645. document.getElementById("linkedin-share-btn").addEventListener("click", function () {
  646.    // Find canonical link in the page
  647.    const canonicalLink = document.querySelector('link[rel="canonical"]');
  648.    if (!canonicalLink) return;
  649.  
  650.    // Get and encode canonical URL
  651.    const canonicalUrl = canonicalLink.href;
  652.    const shareUrl = `https://www.linkedin.com/sharing/share-offsite/?url=${encodeURIComponent(canonicalUrl)}`;
  653.  
  654.    // Open in new tab
  655.    window.open(shareUrl, "_blank", "noopener,noreferrer");
  656. });
  657. </script>
  658. </div>
  659. </div>
  660. </div></div></div></div></div></div></div></div></div></div></div></div></div><script id="script-row-unique-36" data-row="script-row-unique-36" type="text/javascript" class="vc_controls">UNCODE.initRow(document.getElementById("row-unique-36"));</script></div></div></div><div data-parent="true" class="vc_row row-container" id="row-unique-37"><div class="row limit-width row-parent"><div class="wpb_row row-inner"><div class="wpb_column pos-top pos-center align_left column_parent col-lg-12 single-internal-gutter"><div class="uncol style-light"  ><div class="uncoltable"><div class="uncell no-block-padding" ><div class="uncont" ><div class="uncode_text_column" ></div></div></div></div></div></div><script id="script-row-unique-37" data-row="script-row-unique-37" type="text/javascript" class="vc_controls">UNCODE.initRow(document.getElementById("row-unique-37"));</script></div></div></div>
  661. </div><p>The post <a href="https://arkcapital.com.au/news-insights/rbas-25bp-cut/">Beyond the Headlines: What the RBA’s 25bp Cut Means</a> appeared first on <a href="https://arkcapital.com.au">Ark Capital</a>.</p>
  662. ]]></content:encoded>
  666. </item>
  667. <item>
  668. <title>What This Year’s Annual Report Signals About Our Direction</title>
  669. <link>https://arkcapital.com.au/news-insights/what-this-years-annual-report-signals-about-our-direction/</link>
  671. <dc:creator><![CDATA[Marketing]]></dc:creator>
  672. <pubDate>Mon, 11 Aug 2025 10:30:18 +0000</pubDate>
  673. <category><![CDATA[News and Insights]]></category>
  674. <guid isPermaLink="false">https://arkcapital.com.au/?p=4036</guid>
  675.  
  676. <description><![CDATA[<p>It’s with great pride that we present Ark Capital’s FY2025 Annual Report – A Year in Review.</p>
  677. <p>The post <a href="https://arkcapital.com.au/news-insights/what-this-years-annual-report-signals-about-our-direction/">What This Year’s Annual Report Signals About Our Direction</a> appeared first on <a href="https://arkcapital.com.au">Ark Capital</a>.</p>
  678. ]]></description>
  679. <content:encoded><![CDATA[<div class="wpb-content-wrapper"><div data-parent="true" class="vc_row row-container" id="row-unique-38"><div class="row double-top-padding double-bottom-padding single-h-padding limit-width row-parent"><div class="wpb_row row-inner"><div class="wpb_column pos-top pos-center align_left column_parent col-lg-12 single-internal-gutter"><div class="uncol style-light"  ><div class="uncoltable"><div class="uncell no-block-padding" ><div class="uncont" ><div class="vc_row row-internal row-container"><div class="row row-child"><div class="wpb_row row-inner"><div class="wpb_column pos-top pos-center align_left column_child col-lg-2 single-internal-gutter"><div class="uncol style-light" ><div class="uncoltable"><div class="uncell no-block-padding" ><div class="uncont" ></div></div></div></div></div><div class="wpb_column pos-top pos-left align_left column_child col-lg-10 single-internal-gutter"><div class="uncol style-light" ><div class="uncoltable"><div class="uncell no-block-padding" ><div class="uncont" style=" max-width:80%;" ><div class="uncode_text_column" ><p>From the CEO, Peri Macdonald – August 2025</p>
  680. </div><div class="uncode_text_column text-lead" ><p>This publication marks a performance checkpoint for investors and partners, a clear-eyed view of what we’ve achieved, how we’ve delivered and where we’re heading. FY2025 was a year of strong growth, discipline and intent. As we enter FY2026, we do so with the confidence that comes from delivering a strong performance without any compromises.</p>
  681. </div><div class="uncode_text_column" ><p>We closed the year with over $413 million in funds under management, launched our Brisbane office and continued to scale our mortgage and equity strategies. Our investors entrusted us with capital through a broader market environment that presented its share of challenges. While many sectors experienced volatility, we remained steady, we were guided by discipline, patience and our conviction to navigate uncertainty and make decisions that reflect deep market insight. We focused on executing our strategy, protecting capital and delivering consistent performance throughout the year.</p>
  682. </div><div class="uncode_text_column" ><p><span data-contrast="auto">At Ark, protecting investor capital is our guiding principle. It underpins every loan, every partnership, every decision. We never rush to deploy capital. Instead, we believe it’s better to communicate why we’re not invested than to take unnecessary risk. We choose the safest loan types, ones we would (and often do) personally invest in.</span><span data-ccp-props="{&quot;335559739&quot;:224}"> </span></p>
  683. <p><span data-contrast="auto">We’re transparent about the full picture, not just the good news. We focus on delighting both investors and borrowers because we understand that when our borrowers succeed, so do our investors. And when challenges arise, we bring decades of experience in workouts and recovery strategies, preserving value when it matters most.</span><span data-ccp-props="{&quot;335559739&quot;:224}"> </span></p>
  684. <p><span data-contrast="auto">Our continued focus is delivering strong, risk-adjusted returns across a diversified portfolio of high-quality real estate opportunities. And our team remains financially aligned with that goal.</span><span data-ccp-props="{&quot;335559739&quot;:224}"> </span></p>
  685. <p><span data-contrast="auto">This report reflects the strength of our platform, the discipline of our thinking and our readiness for the next chapter of growth. </span></p>
  686. <p><span data-contrast="auto">Thank you for your partnership and trust.</span></p>
  687. </div><div class="uncode_text_column" ><p><b><span data-contrast="auto">Sincerely,</span></b><br />
  688. <b><span data-contrast="auto">Peri Macdonald</span></b><span data-ccp-props="{&quot;335559739&quot;:224}"> </span></p>
  689. </div><div class="uncode_text_column text-small" ><p>Article written by Peri Macdonald, Chief Executive Officer &amp; Managing Director</p>
  690. <p><span class="TextRun SCXW30386806 BCX0" lang="EN-AU" xml:lang="EN-AU" data-contrast="none"><span class="NormalTextRun Superscript SCXW30386806 BCX0" data-fontsize="14" data-ccp-charstyle="Emphasis">The commentary in </span><span class="NormalTextRun Superscript SCXW30386806 BCX0" data-fontsize="14" data-ccp-charstyle="Emphasis">this article in </span><span class="NormalTextRun Superscript SCXW30386806 BCX0" data-fontsize="14" data-ccp-charstyle="Emphasis">no way </span><span class="NormalTextRun Superscript SCXW30386806 BCX0" data-fontsize="14" data-ccp-charstyle="Emphasis">constitutes</span><span class="NormalTextRun Superscript SCXW30386806 BCX0" data-fontsize="14" data-ccp-charstyle="Emphasis"> a solicitation of</span> <span class="NormalTextRun Superscript SCXW30386806 BCX0" data-fontsize="14" data-ccp-charstyle="Emphasis">business or product advice</span><span class="NormalTextRun Superscript SCXW30386806 BCX0" data-fontsize="14" data-ccp-charstyle="Emphasis">.  </span><span class="NormalTextRun Superscript SCXW30386806 BCX0" data-fontsize="14" data-ccp-charstyle="Emphasis">It is expressed solely as the opinion of the author</span><span class="NormalTextRun Superscript SCXW30386806 BCX0" data-fontsize="14" data-ccp-charstyle="Emphasis">,</span><span class="NormalTextRun Superscript SCXW30386806 BCX0" data-fontsize="14" data-ccp-charstyle="Emphasis"> and as general information for the reader</span><span class="NormalTextRun Superscript SCXW30386806 BCX0" data-fontsize="14" data-ccp-charstyle="Emphasis">. It i</span><span class="NormalTextRun Superscript SCXW30386806 BCX0" data-fontsize="14" data-ccp-charstyle="Emphasis">s </span><span class="NormalTextRun Superscript SCXW30386806 BCX0" data-fontsize="14" data-ccp-charstyle="Emphasis">not information to be relied upon in making investment decisions</span><span class="NormalTextRun Superscript SCXW30386806 BCX0" data-fontsize="14" data-ccp-charstyle="Emphasis">.</span></span></p>
  691. </div><span class="btn-container" ><a href="https://arkcapital.com.au/annual-report-business-in-review-2024-2025/" class="custom-link btn btn-sm border-width-0 btn-accent btn-icon-left" title="Annual Report FY24/25">View Annual Report</a></span></div></div></div></div></div></div></div></div></div></div></div></div></div><script id="script-row-unique-38" data-row="script-row-unique-38" type="text/javascript" class="vc_controls">UNCODE.initRow(document.getElementById("row-unique-38"));</script></div></div></div><div data-parent="true" class="vc_row row-container" id="row-unique-39"><div class="row limit-width row-parent"><div class="wpb_row row-inner"><div class="wpb_column pos-top pos-center align_left column_parent col-lg-12 single-internal-gutter"><div class="uncol style-light"  ><div class="uncoltable"><div class="uncell no-block-padding" ><div class="uncont" ><div class="uncode_text_column" ></div></div></div></div></div></div><script id="script-row-unique-39" data-row="script-row-unique-39" type="text/javascript" class="vc_controls">UNCODE.initRow(document.getElementById("row-unique-39"));</script></div></div></div>
  692. </div><p>The post <a href="https://arkcapital.com.au/news-insights/what-this-years-annual-report-signals-about-our-direction/">What This Year’s Annual Report Signals About Our Direction</a> appeared first on <a href="https://arkcapital.com.au">Ark Capital</a>.</p>
  693. ]]></content:encoded>
  697. </item>
  698. </channel>
  699. </rss>
  700.  

If you would like to create a banner that links to this page (i.e. this validation result), do the following:

  1. Download the "valid RSS" banner.

  2. Upload the image to your own server. (This step is important. Please do not link directly to the image on this server.)

  3. Add this HTML to your page (change the image src attribute if necessary):

If you would like to create a text link instead, here is the URL you can use:

http://www.feedvalidator.org/check.cgi?url=https%3A//arkcapital.com.au/feed/

Home · About · News · Docs · Terms

 
Copyright © 2002-9 Sam Ruby, Mark Pilgrim, Joseph Walton, and Phil Ringnalda