A Message from PMA’s Managing Director on Private Credit Regulatory Changes

By introducing rules that promote clarity and accountability, regulators are helping ensure that private lending is not only safe for investors but also clearly understood by borrowers and brokers alike.

In many ways, this aligns perfectly with our mission and many of the new proposals reflect our existing policies and approach to lending. Private credit has long been a valuable alternative to traditional bank financing, providing solutions for businesses and property developers who may not fit the conventional lending mold. With greater transparency and trust, the sector can shed any lingering perception of being a fringe option and instead be recognised as a legitimate, reliable funding source.

Enhancing the Perception of Private Lending

One of the most significant outcomes of increased regulation is the potential shift in how private lending is perceived. Historically, private credit has been viewed as a niche or specialised service. While it has always delivered flexible, timely solutions for borrowers, broader recognition has sometimes lagged.

Greater transparency and oversight mean that private lending can now be seen as a more credible alternative, a real option for businesses seeking the financial support they need to grow. This is good news not only for borrowers but also for brokers and investors who rely on private lenders to fill gaps that traditional finance may not cover.

At PMA, we welcome this shift. We have always prioritised clear, open communication with our clients and broker partners. Transparency and trust aren’t just regulatory goals for us. They are inherently part of our company culture. By continuing to uphold these values, we ensure our clients understand every step of the lending process and feel confident in the decisions they make.

Adapting with Experience

It’s worth noting that this isn’t the first time the private lending sector has faced regulatory adjustments. Over the past decade, PMA has successfully navigated changes while maintaining high levels of service and flexibility for our clients.

With more than ten years of experience in private lending, we have a proven track record of compliance and adaptability. Our approach has always been to balance regulatory requirements with the unique needs of each borrower. Whether it’s a property developer seeking construction finance or a business requiring working capital, PMA continues to provide tailored solutions while meeting evolving industry standards.

Looking Ahead

As regulatory frameworks develop, PMA is ready to adapt while staying true to the principles that have guided us from the start: transparency, trust, and flexibility. We see the new rules as an opportunity to strengthen the credibility of private lending, enhancing the confidence of brokers, borrowers, and investors alike.

In an industry that is evolving rapidly, one thing remains constant: our commitment to helping businesses and property developers access the funding they need to thrive. By embracing regulatory changes and maintaining our high standards of service, PMA is well-positioned to continue being a trusted partner in private lending for years to come.

Peter Cuskelly,

Managing Director – Private Mortgages Australia