-- GPS Investment Fund Limited (GPS Invest), a Brisbane-based private credit and mortgage fund manager, is calling for stronger governance, greater transparency, and disciplined lending practices across Australia’s non-bank finance sector to ensure sustainable growth and investor confidence.
As Australia’s private credit market continues to expand rapidly, GPS Invest emphasizes that maintaining clear operational frameworks and robust compliance standards will be critical to protecting investors and preserving the industry’s long-term stability.
“Private credit plays a vital role in supporting housing, property development, and commercial investment across Australia,” said Richard Woodhead, Founder and Managing Director of GPS Invest. “However, the speed of market growth must always be matched by sound governance, prudent lending, and ethical conduct. Our focus is on maintaining the integrity of this sector for investors and borrowers alike.”
Private Credit: A Pillar of Non-Bank Finance
Private credit has become a key contributor to Australia’s financing landscape, particularly in regions like Queensland, where property-backed lending funds provide alternative sources of capital for residential and commercial development.
These first mortgage investment funds enable investors to participate in secured property finance while facilitating projects that may not align with traditional bank lending criteria. According to GPS Invest, the industry’s continued expansion underscores the need for consistent regulatory engagement and transparent fund management practices.
“Responsible lending and structured compliance aren’t barriers to innovation — they are the foundation for lasting investor trust,” Woodhead added. “The industry’s credibility relies on every participant’s commitment to accountability and transparency.”
Rising Investor Demand for Transparency
Investor sentiment across Australia indicates a growing preference for clarity in fund operations. GPS Invest notes that today’s investors seek regular reporting, independent valuations, and clear visibility into loan structures and project performance.
Transparency, data integrity, and open communication have become defining factors in fund selection, particularly as more investors diversify into private lending and mortgage-backed instruments.
“Transparency isn’t just about disclosure — it’s about dialogue,” said Woodhead. “Investors deserve ongoing insights into where and how their capital is working. We believe that’s essential for the maturity of the private credit market.”
Governance as a Growth Catalyst
The call for stronger governance comes amid broader conversations about the evolution of non-bank lending in Australia. As demand for alternative financing increases, GPS Invest believes that enhanced compliance frameworks will enable the sector to scale responsibly.
By maintaining conservative loan-to-valuation ratios, adopting independent auditing measures, and strengthening internal oversight, private credit funds can reduce systemic risks while improving investor confidence.
“Governance and growth are not opposing forces — they are complementary,” Woodhead said. “The best-performing funds are those that combine disciplined lending with transparent communication and consistent returns.”
A Regional Focus on Responsible Lending
With deep roots in Queensland’s property finance sector, GPS Invest continues to focus on first mortgage lending and secured development finance. The company’s localized expertise enables precise risk assessment, informed by an understanding of regional market dynamics and borrower behavior.
Since its founding in 1994, GPS Invest has emphasized conservative lending principles and active management of every project it finances. The company views sustainable lending as both an ethical and economic imperative, ensuring investors achieve stable, long-term outcomes while supporting Australia’s housing and infrastructure development.
About GPS Invest
GPS Invest is a specialist private-lending fund manager headquartered in Brisbane, Queensland. Established by Richard Woodhead, the firm originates and manages registered first mortgages in the residential construction and property development sector.
GPS Invest holds Australian Financial Services Licence No. 383080 issued by the Australian Securities & Investments Commission (ASIC) and operates under a strict governance framework. Its mission is to deliver consistent investor returns through disciplined, secured lending strategies, robust compliance, and ethical management.
*The Australian Securities and Investments Commission (ASIC) takes no responsibility for the contents of this media release.
For more information, visit www.gpsinvest.com.au or call 1800 999 109.
Contact Info:
Name: Richard Woodhead
Email: Send Email
Organization: GPS Investment Fund Limited
Website: https://gpsinvest.com.au
Release ID: 89176621
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