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Andrew Torrington goes back to basics with Isabella Barnes, Partner in Gadens’ banking and finance team, to explain what a first mortgage actually is and why it matters. They cover the capital stack, guarantees, subordination and intercreditor deeds, the right to call a valuation, settlement, and the questions advisers can ask a fund about its first mortgage loans. Explore more at Woodbridge Learning: woodbridgecapital.com.au/learning This information has been prepared for general information only by Woodbridge Capital Pty Ltd (Woodbridge) (ABN 82 656 985 572). Woodbridge Capital Pty Ltd (ABN 82 656 985 572), Authorised Representative of Woodbridge Funds Management Pty Limited (AFSL 550122). Woodbridge is the investment manager for the Woodbridge Private Credit Fund and the Woodbridge Secured Income Fund (together the Funds). This information is given in summary form and does not purport to be complete. This information may have been derived from publicly available sources that have not been independently…

Andrew Torrington is joined by Diana Mousina, Deputy Chief Economist at AMP, to work through where the Australian economy actually sits and what that means for property and private credit. Diana explains why growth running at 2% still comes with unwanted inflation, why a decade of weak productivity is behind it, and why the gap between the data and how people feel has widened. She sets out a view on a 10% peak to trough fall in home prices, the differences between Sydney, Brisbane and Melbourne, and the supply deficit she thinks will ultimately put a floor under the market. They also cover the CGT changes, where demand for debt sits in private markets, and the risks Diana is watching over the next 12 months. For further insights and resources, visit Woodbridge Learning at woodbridgecapital.com.au/learning This information has been prepared for general information only by Woodbridge Capital Pty Ltd (Woodbridge) (ABN 82 656 985 572). Woodbridge Capital Pty Ltd (ABN 82 656 985 572), Authorised Representative of…

This month, Damian Casey steps into the host chair and he puts the questions straight to James O'Reilly, financial adviser, founder of Northeast Wealth and co-host of the Australian Retirement Podcast. It's the conversation happening across dinner tables and adviser meetings alike: what is private credit, where do the returns come from, and what are the risks? James makes the case for keeping it simple: private credit is direct lending without a bank, and the returns come from the premium a borrower pays for capital that's faster, more flexible, or outside a bank's appetite. From there the pair get into why risk should come before return, how first mortgage security and LVRs work, why the valuation inside an LVR matters, and why an independent external trustee is a non-negotiable in an unregulated asset class Everything from this conversation lives on Woodbridge Learning. Explore here: woodbridgecapital.com.au/learning. Disclaimer This information has been prepared for general information only by Woodbridge…

This episode unpacks one of the most commonly referenced metrics in private credit: loan-to-value ratio (LVR). While advisers regularly see LVRs reported by managers, understanding what the number actually means – and what it doesn’t – is critical when assessing risk and making informed investment decisions. Your hosts come together on this deep-dive episode to explain how LVRs are calculated, why they matter, and how advisers should think about equity buffers, valuation methodologies and capital stack positioning when analysing private credit opportunities. You’ll also hear why two loans with the same reported LVR can carry very different risk profiles, the limitations of relying on LVR in isolation, and the practical questions advisers should be asking managers to better understand underlying loan quality, valuation assumptions and portfolio risk. To learn more visit: https://woodbridgecapital.com.au/learning. Disclaimer This information has been prepared for general information only by Woodbridge Capital…

This episode of Inside Private Credit explores the role of the outsourced Chief Investment Officer (OCIO) in the wealth advisory space and how this function is shaping the way private credit is being introduced into client portfolios. Joined by Jonathan Tolub from Trailia to unpack what an outsourced CIO actually does, how the role has evolved from traditional asset consulting into implemented SMA portfolios, and why more advisers are choosing to outsource the investment function so they can focus on their clients. You'll also hear about what's driving the surge in private credit adoption, the critical distinction between a lack of volatility and a lack of risk, and the structural differences between Australian and US private credit markets. To learn more and keep up to date with our learning platform, please subscribe to our monthly newsletter at https://woodbridgecapital.com.au/learning. This information has been prepared for general information only by Woodbridge Capital Pty Ltd (Woodbridge) (ABN 82 656…

This episode of Inside Private Credit explores the role of external fund trustees in private credit and why their importance is increasing as the asset class continues to grow. Host Andrew Torrington, CIO of Woodbridge, is joined by Ben Jacob from Equity Trustees to unpack what a trustee actually does, the concept of independent oversight, and why trustees play a critical role in protecting investors. You’ll also hear about common misconceptions around trustees, the importance of governance and transparency in private markets, how trustees interact with fund managers and what advisers should be looking for when assessing private credit opportunities, including disclosure, risk management and investor protections. Brought to you by Woodbridge Capital in support of Woodbridge Learning. To learn more and keep up to date with our learning platform, please subscribe to our monthly newsletter at https://woodbridgecapital.com.au/learning. Disclaimer This information has been prepared for general information only by…

Inside Private Credit is a podcast from Woodbridge Capital in support Woodbridge Learning to help financial advisers build deeper knowledge and confidence in private credit. Each episode explores the fundamentals shaping the market, how private credit works in practice, and what advisers need to know when assessing opportunities for clients. This first episode gets back to basics to explore the fundamentals of private credit and why the asset class is gaining attention among financial advisers and investors. Your hosts from Woodbridge, Andrew Torrington and Damien Casey, break down what private credit actually is – non-bank lending from private capital to borrowers – and discuss how it has evolved from a niche strategy used by institutions and family offices into a more mainstream portfolio allocation. You’ll also hear about the challenges advisers face navigating product complexity, transparency and risk, the importance of education, understanding where private credit fits within portfolios, and how to ask…