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

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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, 29 Oct 2025 00:23:51 +0000</lastBuildDate>
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30. <item>
31. <title>Investment Updates: October 2025</title>
32. <link>https://arkcapital.com.au/news-insights/investment-updates-october-2025/</link>
34. <dc:creator><![CDATA[Marketing]]></dc:creator>
35. <pubDate>Wed, 29 Oct 2025 00:23:51 +0000</pubDate>
36. <category><![CDATA[Investment Update]]></category>
37. <guid isPermaLink="false">https://arkcapital.com.au/?p=5587</guid>
38.  
39. <description><![CDATA[<p>In Shepparton North, the new combined Stage 1 and 2 residual stock facility reached financial close during the month.</p>
40. <p>The post <a href="https://arkcapital.com.au/news-insights/investment-updates-october-2025/">Investment Updates: October 2025</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 vc_custom_1753853674334 row-container" style="margin-top: 25px ;" id="row-unique-0"><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>Initial discussions have taken place with the borrower regarding a potential refinance into a new 12-month facility.</p>
43. </div></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 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</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>
44. <div class="ewa-rteLine">
45. <div class="ewa-rteLine">
46. <p>Tatura</p>
47. <ul>
48. <li>All but two settlements for Stage 2 have now occurred, with the remaining presales withdrawn or terminated and set to be resold at a premium</li>
49. <li>2 of the larger lots remain unsold in Stage 1.</li>
50. </ul>
51. <p>Morwell</p>
52. <ul>
53. <li>Civil works are ongoing for Stages 1 &amp; 2, with practical completion expected in March 26 and April 26 respectively. Stage 3 is forecasted for one month later in May 26.</li>
54. <li>Presales to date comprise 57 lots across Stages 1–3 that includes 7 builder holds, with a further 9 achieved in Stage 4</li>
55. </ul>
56. <p>The facility remains in default, with ARK reserving its rights from the facility expiry on 7 March 2025 to charge default interest until an appropriate resolution or exit is reached with the borrower.</p>
57. </div>
58. </div>
59. <p>
60. </div></div></div></div></div></div></div></div></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><div data-parent="true" class="vc_row row-container" id="row-unique-2"><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>
61. <div class="ewa-rteLine">
62. <p>Following the property’s exclusion from the Ballarat North PSP, a valuation was completed reflecting a reduced value.</p>
63. <p>ARK has worked with the sponsor to maintain covenant compliance and protect investor interests, with the facility balance reduced in October 2025 accordingly.</p>
64. </div>
65. <p>
66. </div></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><div data-parent="true" class="vc_row row-container" id="row-unique-3"><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. 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>
67. </div></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 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 borrower is working to satisfy the outstanding conditions precedent for the refinance. As the current facility has now expired, the loan is in default pending financial close of the new facility.</p>
68. </div></div></div></div></div></div></div></div></div></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><div data-parent="true" class="vc_row row-container" id="row-unique-5"><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>
69. <div class="ewa-rteLine">
70. <p>Approval has been received by the sponsor for the refinance of the Buckingham with an external financier which is expected to be completed in December 2025.</p>
71. <p>At Sellicks Beach, 4 of the 8 remaining residential lots are still available, with one set to be subdivided into two.</p>
72. </div>
73. <p>
74. </div></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 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>Facility Status</p>
75. <ul>
76. <li>The facility, which expired on 28 July 2025, is now in default with interest capitalising until repayment.</li>
77. </ul>
78. <p>&nbsp;</p>
79. <p>Project Status</p>
80. <ul>
81. <li>Works have continued to progress steadily in the past month, with Avenue Road now signed off by Council, the filtration unit installation underway, and Ausgrid confirming the outage date of 10 December 2025.</li>
82. <li>Based on the current program, the subdivision remains on track for lodgement by 17 December, with title registration expected in early to mid-January 2026.</li>
83. </ul>
84. <p>&nbsp;</p>
85. <p>Planning</p>
86. <ul>
87. <li>Council issued further feedback on the marina DA on 22 October 2025. The planning and architectural teams are preparing a coordinated response to address the comments and progress the application toward approval.</li>
88. </ul>
89. <p>
90. </div></div></div></div></div></div></div></div></div></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><div data-parent="true" class="vc_row row-container" id="row-unique-7"><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>
91. <div class="ewa-rteLine">
92. <div class="ewa-rteLine">
93. <p>Across Stages 5–9 90% of lots have been sold, noting the facility only relates to Stages 5–7. However, several lots have been terminated at the sponsor&#8217;s discretion and are expected to resell for a premium.</p>
94. <p>Civil works for Stages 5-7 are progressing, with completion expected in Q1 2026.</p>
95. </div>
96. </div>
97. <p>
98. </div></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 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 commenced early site works. Stump clearing is currently underway, with extracted material being removed from the site. Temporary fencing has also been installed to secure the area in preparation for further works.</p>
99. </div></div></div></div></div></div></div></div></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><div data-parent="true" class="vc_row row-container" id="row-unique-9"><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>
100. <div class="ewa-rteLine">
101. <p>Both the Stage 1 residual stock facility and the Stage 2 construction facility have now been refinanced into a new combined Stage 1 and 2 residual stock facility.</p>
102. <p>Practical Completion for Stage 3 was achieved during the month and settlements are anticipated to commence in November.</p>
103. </div>
104. <p>
105. </div></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 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>
106. <div class="ewa-rteLine">
107. <div class="ewa-rteLine">
108. <div class="ewa-rteLine">
109. <p>Construction continues to progress and the latest status of works include:</p>
110. <ul>
111. <li>Bulk earthworks are complete</li>
112. <li>Topsoiling of lots is underway</li>
113. <li>Retaining walls have commenced</li>
114. <li>Stormwater works have commenced</li>
115. <li>Sewer works have commenced.</li>
116. </ul>
117. <p>Sales momentum remains strong, with pre-sale debt coverage exceeding 100%.</p>
118. </div>
119. </div>
120. </div>
121. <p>
122. </div></div></div></div></div></div></div></div></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><div data-parent="true" class="vc_row row-container" 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_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>
123. <div class="ewa-rteLine">
124. <div class="ewa-rteLine">The borrower is currently awaiting receipt of planning consent for the proposed subdivision.</div>
125. </div>
126. <p>
127. </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_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>
128. <div class="ewa-rteLine">
129. <p>Practical Completion has been successfully achieved during the month and settlements are forecasted to commence in mid-November 2025.</p>
130. <p>No new sales were recorded this month, although several contracts are in advanced negotiations with the sponsor expecting them to settle by late November.</p>
131. </div>
132. <p>
133. </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_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>Remediation works have been completed, with all soil and vapour validation returned within required limits. The final report will be ready for submission to the EPA in November 2025, with an additional few weeks required for the EPA&#8217;s confirmation. On completion, civil works will be expected to commence immediately, with a tender price accepted and documentation being prepared.</p>
134. <p>Vapour and groundwater monitoring will continue through to the completion of earthworks, ensuring compliance and site readiness.</p>
135. </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_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>The borrower is continuing to finalise the detailed design and execute the civil works contract to enable the project to progress into the construction phase.</p>
136. </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_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>ARK is in the process of issuing terms for a new six-month facility to allow adequate time to complete the renovations, which are expected to deliver significant value to the property and position it for refinance with an alternative lender.</p>
137. </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_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>
138. <div class="ewa-rteLine">Fill importation is progressing well with material now being placed on site. Sewer design approvals have been delayed however internal and branch approvals are expected shortly, with final council sign-off anticipated next month.</div>
139. <p>
140. </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_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>
141. <div class="ewa-rteLine">
142. <div class="ewa-rteLine">
143. <div class="ewa-rteLine">
144. <p>The project has reached completion, with the Certificate of Occupancy issued on 23 September 2025. An offer to lease the hotel component has been received from Urban Rest for an initial three-year term, with the lease expected to be executed in early November, enabling the hotel sale to proceed with a binding lease in place.</p>
145. <p>The West Lakes property settlement has been delayed from 14 October to 17 November 2025 due to outstanding site clearance works. The heritage section of the hotel has been sold and leased to a food and beverage operator, with settlement scheduled for 1 December 2025.</p>
146. <p>Two of the six Skyloft Apartments remain unsold. The overall facility position is expected to reduce over November and December as settlements progressively occur, resulting in a residual LVR of approximately 60%.</p>
147. </div>
148. </div>
149. </div>
150. <p>
151. </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_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>The facility is expected to be refinanced with a major lender upon expiry of the current term, subject to credit approval being obtained from the incoming lender.</p>
152. </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_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 borrower has received the draft permit conditions however the issuance of the final planning permit has been delayed due to errors in the authority sign-offs, which must be corrected before the permit can be finalised. It is anticipated that the permit will be issued next month.</p>
153. </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_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 borrower continues to hold the property as an investment asset.</p>
154. </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_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 borrower continues to work with council in preparation for securing the planning permit.</p>
155. </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_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>Athol 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>The borrower is continuing to engage with the council to progress the planning permit approval.</p>
156. </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_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>Waterloo Corner, 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 facility reached financial close during the month.</p>
157. </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_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>Toowong, 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>
158. </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_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>Gawler Belt, 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 facility reached financial close during the month.</p>
159. </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>
160. </div><p>The post <a href="https://arkcapital.com.au/news-insights/investment-updates-october-2025/">Investment Updates: October 2025</a> appeared first on <a href="https://arkcapital.com.au">Ark Capital</a>.</p>
161. ]]></content:encoded>
165. </item>
166. <item>
167. <title>Building Championship Teams</title>
168. <link>https://arkcapital.com.au/news-insights/building-championship-teams/</link>
170. <dc:creator><![CDATA[Marketing]]></dc:creator>
171. <pubDate>Fri, 17 Oct 2025 00:35:26 +0000</pubDate>
172. <category><![CDATA[News and Insights]]></category>
173. <guid isPermaLink="false">https://arkcapital.com.au/?p=5559</guid>
174.  
175. <description><![CDATA[<p>As the AFL trade period wraps up, its whirlwind of deals, loyalty tests, and list management offers surprising parallels to how we build teams at Ark. </p>
176. <p>The post <a href="https://arkcapital.com.au/news-insights/building-championship-teams/">Building Championship Teams</a> appeared first on <a href="https://arkcapital.com.au">Ark Capital</a>.</p>
177. ]]></description>
178. <content:encoded><![CDATA[<div class="wpb-content-wrapper"><div data-parent="true" class="vc_row row-container" id="row-unique-26"><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>I&#8217;ve just watched another <a href="https://www.afl.com.au/trade">AFL</a> trade period wrap up, and as always, I&#8217;m struck by the fascinating parallels &#8211; and stark contrasts &#8211; to how we build our team at Ark. The complex dance of list management that clubs navigate offers some genuine insights into our own recruitment challenges.</p>
179. </div><div class="vc_custom_heading_wrap "><div class="heading-text el-text" ><h3 class="h4 text-color-prif-color" ><span>The Similarities: Culture Trumps Talent</span></h3></div><div class="clear"></div></div><div class="uncode_text_column" ><p>Like AFL clubs, we&#8217;re in the business of building high-performance teams. It&#8217;s not enough to recruit someone brilliant at their craft; they need to fit our culture and values. The best AFL clubs understand this instinctively. They&#8217;ll pass on a talented player with attitude issues because one cultural misfit in the locker room can derail an entire team. We face the same decisions at Ark—technical excellence matters, but cultural alignment is non-negotiable.</p>
180. <p>Budget constraints are another shared reality. Just as we&#8217;re working within salary budgets, AFL clubs navigate the salary cap, making impossible choices about who to pay, who to let go, and where to find value. Both environments require creative thinking: identifying undervalued talent, developing people internally, and knowing when to make a marquee investment versus building depth.</p>
181. </div><div class="vc_custom_heading_wrap "><div class="heading-text el-text" ><h3 class="h4 text-color-prif-color" ><span>The Differences: When the Spotlight Burns</span></h3></div><div class="clear"></div></div><div class="uncode_text_column" ><p>But here&#8217;s where it differs dramatically. AFL recruiting happens in the brutal glare of public scrutiny. Every decision is dissected by media and fans. When a club tells a loyal veteran they&#8217;re not wanted anymore, it plays out publicly. That&#8217;s when culture and values face their ultimate test—when the business of football collides with individual dreams and loyalty.</p>
182. <p>As a St Kilda fan, watching Jack <a href="https://www.afl.com.au/news/1442149/jack-steele-moves-to-melbourne-demons-from-st-kilda-saints-in-deadline-day-trade">Steele</a> &#8211; our captain and loyal servant over the last 9 years—traded to Melbourne doesn&#8217;t sit right. But maybe it is the right decision for the Club and for Jack.</p>
183. <p>At Ark, we can have difficult conversations privately, with dignity intact. There&#8217;s no press conference when someone doesn&#8217;t work out, no social media firestorm when we pivot our team strategy.</p>
184. </div><div class="vc_custom_heading_wrap "><div class="heading-text el-text" ><h3 class="h4 text-color-prif-color" ><span>The Pressure Cooker</span></h3></div><div class="clear"></div></div><div class="uncode_text_column" ><p>Another stark difference is the timeframe. The AFL trade period is a compressed, high-stakes 10 days where years of planning must come together or fall apart. Clubs make decisions under intense time pressure, often with incomplete information, knowing they won&#8217;t get another chance for twelve months. We have the luxury of patience—we can take time to find the right person, wait for the perfect fit, or pause hiring if we&#8217;re not confident.</p>
185. <p>This time pressure also means AFL clubs sometimes make emotionally-driven mistakes—overpaying for a name, panic-trading to satisfy fan pressure, or holding onto players when the decision should be to trade. Did Essendon make the right call with Zach Merrett? They drew a &#8216;line in the sand&#8217;, but it&#8217;s hard to see who wins out of that—except the AFL, who&#8217;ll be licking their lips at the prospect of Essendon vs Hawthorn in round 1 next season.<br />
186. We face similar temptations, just spread over longer timeframes: the impressive interview that masks cultural misalignment, or the urgent hire that compromises our standards because we need someone in the seat now.</p>
187. </div><div class="vc_custom_heading_wrap "><div class="heading-text el-text" ><h3 class="h4 text-color-prif-color" ><span>The Ultimate Lesson</span></h3></div><div class="clear"></div></div><div class="uncode_text_column" ><p>Perhaps the biggest takeaway is this: AFL clubs must make decisions in the most adversarial environment possible—where every choice is questioned, every conversation leaked, and every outcome judged immediately. If their culture and values can survive that crucible, they&#8217;re probably authentic.</p>
188. <p>At Ark, we have the privilege of building culture with less external pressure. That makes it easier—but also means we need to be more intentional about stress-testing our values when tough decisions arise. Are we living them when it&#8217;s hard, not just when it&#8217;s easy?</p>
189. <p>The best AFL clubs, like the best companies, make these moments defining rather than destructive. They&#8217;re honest, they&#8217;re fair, and they remember that how you treat people on the way out says as much about your culture as how you celebrate them on the way in.</p>
190. </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>
191. <p>Let’s talk about where you want to go and how we can help you get there.</p>
192. </div><div class="uncode_text_column text-small" ><p>Article written by Peri Macdonald, Chief Executive Officer &amp; Managing Director</p>
193. <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>
194. </div><div class="uncode_text_column text-small" ><p><span data-teams="true">Want more articles like this? Follow <a id="menurtt" class="fui-Link ___1q1shib f2hkw1w f3rmtva f1ewtqcl fyind8e f1k6fduh f1w7gpdv fk6fouc fjoy568 figsok6 f1s184ao f1mk8lai fnbmjn9 f1o700av f13mvf36 f1cmlufx f9n3di6 f1ids18y f1tx3yz7 f1deo86v f1eh06m1 f1iescvh fhgqx19 f1olyrje f1p93eir f1nev41a f1h8hb77 f1lqvz6u f10aw75t fsle3fq f17ae5zn" title="https://www.linkedin.com/in/peri-macdonald-a5675612/" href="https://www.linkedin.com/in/peri-macdonald-a5675612/" target="_blank" rel="noreferrer noopener" aria-label="Link Peri Macdonald on LinkedIn. ">Peri Macdonald on LinkedIn. </a></span></p>
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217. </div><p>The post <a href="https://arkcapital.com.au/news-insights/building-championship-teams/">Building Championship Teams</a> appeared first on <a href="https://arkcapital.com.au">Ark Capital</a>.</p>
218. ]]></content:encoded>
222. </item>
223. <item>
224. <title>Bedrock Mortgage Fund: September 2025</title>
225. <link>https://arkcapital.com.au/news-insights/bedrock-mortgage-fund-september-2025/</link>
227. <dc:creator><![CDATA[Marketing]]></dc:creator>
228. <pubDate>Wed, 08 Oct 2025 22:04:55 +0000</pubDate>
229. <category><![CDATA[Bedrock]]></category>
230. <guid isPermaLink="false">https://arkcapital.com.au/?p=5511</guid>
231.  
232. <description><![CDATA[<p>In an increasingly competitive lending environment we are pleased to report that Bedrock returned an annualised 10.18% in September, or the RBA Rate + 6.58%.</p>
233. <p>The post <a href="https://arkcapital.com.au/news-insights/bedrock-mortgage-fund-september-2025/">Bedrock Mortgage Fund: September 2025</a> appeared first on <a href="https://arkcapital.com.au">Ark Capital</a>.</p>
234. ]]></description>
235. <content:encoded><![CDATA[<div class="wpb-content-wrapper"><div data-parent="true" class="vc_row row-container" id="row-unique-28"><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 competitiveness we are seeing raises strategic questions including around our lending settings, namely lending rates, risk (LVR), and loan types.</span></h3></div><div class="clear"></div></div><div class="uncode_text_column" ></p>
236. <p class="p1">Whilst we will naturally meet the market in terms of pricing, we hold the view that it is illogical to compromise on risk and lend on inflated LVR’s as we increasingly see happening. We operate on the view that it is better to reduce pricing to attract the right loans than to increase capital recovery risk. We estimate that market interest rates for new loans have fallen by ~100bps since January ’25.</p>
237. <p class="p1">The Manager at large, and Bedrock specifically continues to favour the lower-risk loan types, namely residential or industrial land and civil construction loans (~75% of the portfolio), the typically-simple industrial built-form loans (~6%)<span class="Apple-converted-space">  </span>and completed property loans (~17%). These biases exist as a reflection of Ark’s primary focus on capital protection in its pursuit of investor returns.</p>
238. <p>
239. </div><span class="btn-container" ><a href="https://arkcapital.com.au/wp-content/uploads/2025/10/ArkCapital_FactSheet_2025_Bedrock_September_1.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-28" data-row="script-row-unique-28" type="text/javascript" class="vc_controls">UNCODE.initRow(document.getElementById("row-unique-28"));</script></div></div></div>
240. </div><p>The post <a href="https://arkcapital.com.au/news-insights/bedrock-mortgage-fund-september-2025/">Bedrock Mortgage Fund: September 2025</a> appeared first on <a href="https://arkcapital.com.au">Ark Capital</a>.</p>
241. ]]></content:encoded>
245. </item>
246. <item>
247. <title>Ark Capital Welcomes ASIC’s Private Credit Report</title>
248. <link>https://arkcapital.com.au/news-insights/asic-private-credit-report-ark-capital/</link>
250. <dc:creator><![CDATA[Marketing]]></dc:creator>
251. <pubDate>Mon, 06 Oct 2025 23:58:27 +0000</pubDate>
252. <category><![CDATA[News and Insights]]></category>
253. <guid isPermaLink="false">https://arkcapital.com.au/?p=5476</guid>
254.  
255. <description><![CDATA[<p>Following the recent release of ASIC's Private Credit in Australia (Report 814) on Australia's private credit sector, Ark Capital welcomes the regulator's comprehensive review and its focus on raising standards across the industry.</p>
256. <p>The post <a href="https://arkcapital.com.au/news-insights/asic-private-credit-report-ark-capital/">Ark Capital Welcomes ASIC’s Private Credit Report</a> appeared first on <a href="https://arkcapital.com.au">Ark Capital</a>.</p>
257. ]]></description>
258. <content:encoded><![CDATA[<div class="wpb-content-wrapper"><div data-parent="true" class="vc_row row-container" id="row-unique-29"><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 href="https://www.asic.gov.au/">ASIC</a> Chair Joe Longo noted, &#8220;Private credit, done well, has a valuable role to play in the Australian economy.&#8221; We couldn&#8217;t agree more. The sector&#8217;s <a href="https://www.afr.com/wealth/investing/is-the-private-credit-boom-sustainable-20250711-p5meb9">growth</a> to $200 billion demonstrates its importance in providing financing solutions for businesses as an alternative to traditional bank lending.</p>
259. </div><div class="vc_custom_heading_wrap "><div class="heading-text el-text" ><h3 class="h4 text-color-prif-color" ><span>Our Commitment to Transparency and Disclosure</span></h3></div><div class="clear"></div></div><div class="uncode_text_column" ><p>At Ark Capital, we have always been cognisant of the importance of disclosure and transparency to our investors, and we strive to ensure that what we do can be regarded as best practice. Our commitment to these principles is reflected in how we approach the key areas highlighted by the report:</p>
260. <p><strong>Fee Transparency:</strong> We provide full disclosure of all fees earned by the manager. Our investors deserve complete visibility of the total remuneration structure—no hidden costs, no opaque arrangements.</p>
261. <p><strong>Conflicts Management:</strong> We maintain rigorous disclosure of all conflicts of interest, whether actual or potential. We have a clearly defined governance structure that reviews and identifies conflicts and oversees management procedures to ensure they are appropriately managed. Notably, we actively encourage staff and director investment in our products and funds. While this creates potential conflicts that require careful management, we believe co-investment fundamentally aligns the interests of our team with those of our investors—we succeed when our investors succeed.</p>
262. </div><div class="vc_custom_heading_wrap "><div class="heading-text el-text" ><h3 class="h4 text-color-prif-color" ><span>Valuation Practices: A Considered Approach</span></h3></div><div class="clear"></div></div><div class="uncode_text_column" ><p>The report&#8217;s observations regarding valuations are both valid and relevant, though they require careful consideration within the context of specific lending segments.</p>
263. <p>For construction lending in particular, current valuation practices are based on long-established principles that have been used by banks and non-bank lenders for decades. These methodologies have evolved to reflect the unique characteristics of development finance, where traditional quarterly valuations may not always capture the true economic position of an asset under construction.</p>
264. <p>That said, we recognise the regulator&#8217;s call for enhanced standards and the importance of adapting to evolving industry expectations.</p>
265. </div><div class="vc_custom_heading_wrap "><div class="heading-text el-text" ><h3 class="h4 text-color-prif-color" ><span>Our Path Forward</span></h3></div><div class="clear"></div></div><div class="uncode_text_column" ><p>In response to the findings in the independent report, Ark Capital is undertaking a comprehensive review of our current valuation approach. This includes:</p>
266. <ul>
267. <li>Examining our existing processes for regular independent valuations of projects</li>
268. <li>Assessing how we can enhance our practices to better reflect evolving standards</li>
269. <li>Considering the implementation of quarterly portfolio valuations to provide greater transparency and more frequent updates to investors</li>
270. </ul>
271. <p>We believe this proactive approach will further strengthen investor confidence while maintaining the rigorous risk management standards our investors expect.</p>
272. </div><div class="vc_custom_heading_wrap "><div class="heading-text el-text" ><h3 class="h4 text-color-prif-color" ><span>Industry Leadership</span></h3></div><div class="clear"></div></div><div class="uncode_text_column" ><p>ASIC&#8217;s report makes clear that &#8220;enhanced standards are needed to lift practices across the sector.&#8221; We support this call to action and are committed to working constructively with the regulator and industry bodies like the <a href="https://pfa.org.au/">PFA</a> to ensure Australia&#8217;s private credit sector continues to grow sustainably while maintaining the highest standards of investor protection.</p>
273. <p>As the industry evolves, Ark Capital remains focused on our core principles: transparency, rigorous governance, and putting our investors&#8217; interests first. We look forward to the additional guidance ASIC has indicated will be released in November and will continue to engage actively with regulatory developments in this space.</p>
274. </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>
275. </div>
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297. </div><p>The post <a href="https://arkcapital.com.au/news-insights/asic-private-credit-report-ark-capital/">Ark Capital Welcomes ASIC’s Private Credit Report</a> appeared first on <a href="https://arkcapital.com.au">Ark Capital</a>.</p>
298. ]]></content:encoded>
302. </item>
303. <item>
304. <title>Building on Bedrock: What $100M Means for Investors</title>
305. <link>https://arkcapital.com.au/news-insights/buildingonbedrock/</link>
307. <dc:creator><![CDATA[Marketing]]></dc:creator>
308. <pubDate>Thu, 02 Oct 2025 01:43:02 +0000</pubDate>
309. <category><![CDATA[News and Insights]]></category>
310. <guid isPermaLink="false">https://arkcapital.com.au/?p=5432</guid>
311.  
312. <description><![CDATA[<p>The Ark Bedrock Mortgage Fund has surpassed $100 million in funds under management - a milestone that reflects our investors’ trust and confidence in our disciplined strategy.</p>
313. <p>The post <a href="https://arkcapital.com.au/news-insights/buildingonbedrock/">Building on Bedrock: What $100M Means for Investors</a> appeared first on <a href="https://arkcapital.com.au">Ark Capital</a>.</p>
314. ]]></description>
315. <content:encoded><![CDATA[<div class="wpb-content-wrapper"><div data-parent="true" class="vc_row row-container" id="row-unique-31"><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>Every dollar entrusted to the <a href="https://arkcapital.com.au/investors/our-funds/ark-bedrock-mortgage-fund/">Bedrock</a> Fund reflects confidence in both our team and our disciplined approach to lending.</p>
316. <p>Reaching the $100 million milestone is more than a marker of scale &#8211; it’s evidence that more family offices, advisers and high-net-worth investors are choosing Ark, having come to know our business, values, and investment philosophy.</p>
317. <p>Most pleasingly, this growing recognition underscores that private credit is no longer seen as a niche opportunity, but as a secure, income-generating pillar within a well-diversified portfolio.</p>
318. </div><div class="vc_custom_heading_wrap "><div class="heading-text el-text" ><h3 class="h4 text-color-prif-color" ><span>Consistent Performance Beyond Benchmarks</span></h3></div><div class="clear"></div></div><div class="uncode_text_column text-lead" ><p>Since inception, the Bedrock Fund has consistently outperformed its target return of the <a href="https://www.rba.gov.au/statistics/cash-rate/">RBA</a> cash rate +5.0%. With a lifetime return of 11.01% per annum, the fund has demonstrated its ability to deliver attractive, risk-adjusted outcomes. Importantly, this performance has been achieved through disciplined origination and active risk management rather than chasing higher-risk opportunities.</p>
319. <p>Our approach is simple but powerful: lending against well-secured real assets with strong downside protection. By focusing on high-quality borrowers and maintaining conservative loan-to-value ratios, we build resilience into the portfolio and safeguard investor capital.</p>
320. </div><div class="vc_custom_heading_wrap "><div class="heading-text el-text" ><h3 class="h4 text-color-prif-color" ><span>Why Scale Matters</span></h3></div><div class="clear"></div></div><div class="uncode_text_column" ><p>Crossing the $100 million threshold isn’t just symbolic &#8211; scale brings tangible benefits for our investors. With greater funds under management, the Bedrock Fund can increase risk-lowering diversity, spreading risk across geographies, borrower types, and project stages. Scale also strengthens our ability to negotiate favourable terms, further enhancing potential investor returns.</p>
321. <p>At the same time, we remain committed to staying selective. Every loan must meet our stringent credit criteria, regardless of fund size. For us, disciplined growth is the priority.</p>
322. </div><div class="vc_custom_heading_wrap "><div class="heading-text el-text" ><h3 class="h4 text-color-prif-color" ><span>Positioning for the Future</span></h3></div><div class="clear"></div></div><div class="uncode_text_column" ><p>The <a href="https://arkcapital.com.au/borrowers/">private credit</a> market in Australia is growing rapidly, with institutional investors and super funds recognising its potential to deliver stable yields in a higher-for-longer interest <a href="https://www.rba.gov.au/statistics/cash-rate/" target="_blank" rel="noopener">rate</a> environment.</p>
323. <p>In this landscape, the Bedrock Fund is well placed to continue delivering dependable outcomes for wholesale investors.</p>
324. <p>Looking ahead, we see strong opportunities in sectors underpinned by structural demand, such as residential and industrial land, <a href="https://www.acecqa.gov.au/" target="_blank" rel="noopener">childcare</a> facilities, and select commercial developments. These projects not only offer attractive return profiles but also contribute to addressing Australia’s long-term housing and infrastructure needs.</p>
325. </div><div class="vc_custom_heading_wrap "><div class="heading-text el-text" ><h3 class="h4 text-color-prif-color" ><span>A Collective Achievement</span></h3></div><div class="clear"></div></div><div class="uncode_text_column" ><p>Reaching $100 million is more than just a marker along our journey &#8211; it’s a powerful testament to the confidence our investors place in us, the dedication of our team, and the strong partnerships we’ve built with our borrowers and referrers. It’s proof that the Bedrock Fund has delivered on its promise: security, discipline, and performance.</p>
326. <p>But this milestone is not the finish line. It’s the stepping stone for what comes next. With $100 million already behind us, we stand on the strongest foundations yet — ready to keep growing, keep delivering, and keep proving why Bedrock is the fund of choice for those seeking strength and consistency in every investment.</p>
327. <p>The next chapter starts now and it’s one we’re proud to share with you.</p>
328. </div><div class="uncode_text_column text-small" ><p>Article written by David Charles, Fund Manager</p>
329. <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>
330. </div>
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352. </div><p>The post <a href="https://arkcapital.com.au/news-insights/buildingonbedrock/">Building on Bedrock: What $100M Means for Investors</a> appeared first on <a href="https://arkcapital.com.au">Ark Capital</a>.</p>
353. ]]></content:encoded>
357. </item>
358. <item>
359. <title>Investment Updates: September 2025</title>
360. <link>https://arkcapital.com.au/news-insights/investment-updates-september-2025/</link>
362. <dc:creator><![CDATA[Marketing]]></dc:creator>
363. <pubDate>Tue, 30 Sep 2025 01:14:57 +0000</pubDate>
364. <category><![CDATA[Investment Update]]></category>
365. <guid isPermaLink="false">https://arkcapital.com.au/?p=5417</guid>
366.  
367. <description><![CDATA[<p>In Cowaramup Western Australia, the facility has been refinanced for six months to finalise design and execute the Wormall civil works contract.</p>
368. <p>The post <a href="https://arkcapital.com.au/news-insights/investment-updates-september-2025/">Investment Updates: September 2025</a> appeared first on <a href="https://arkcapital.com.au">Ark Capital</a>.</p>
369. ]]></description>
370. <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-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_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>
371. </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><div data-parent="true" class="vc_row row-container" id="row-unique-34"><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</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>
372. <div class="ewa-rteLine">
373. <div class="ewa-rteLine">
374. <p>Tatura</p>
375. <ul>
376. <li>The majority of settlements for Stage 2 have now occurred across August and September, with the balance expected to complete in October 2025.</li>
377. <li>The borrower has reported 42 presales out of the 48 remaining lots across Stages 1 and 2.</li>
378. <li>Only 2 lots remain unsold in Stage 1, with one of these now contracted.</li>
379. </ul>
380. <p>&nbsp;</p>
381. <p>Morwell</p>
382. <ul>
383. <li>Civil works on Stages 1–3 commenced in August 2025.</li>
384. <li>Winslow’s latest forecast anticipates PC for Stages 1 &amp; 2 by Q1 2026, and Stage 3 by July 2026.</li>
385. <li>Presales to date comprise 50 lots across Stages 1–3, with a further 9 achieved in Stage 4.</li>
386. </ul>
387. <p>&nbsp;</p>
388. <p>The facility remains in default, with ARK reserving its rights from the facility expiry on 7 March 2025 to charge default interest until an appropriate resolution or exit is reached with the Borrower.</p>
389. </div>
390. </div>
391. <p>
392. </div></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 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>
393. <div class="ewa-rteLine">Following the property’s exclusion from the Ballarat North PSP, a valuation was completed reflecting a reduced value. ARK is continuing to work with the sponsor to maintain covenant compliance and protect investor interests, with the facility expected to be resolved by the end of October 2025 through a confirmed strategy. Discussions with the borrower remain constructive, and ARK is confident of achieving an outcome aligned with investor interests.</div>
394. <p>
395. </div></div></div></div></div></div></div></div></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><div data-parent="true" class="vc_row row-container" id="row-unique-36"><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. 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>
396. </div></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 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>There has been a delay to the extension of the facility and this is now expected to be finalised in the following month.</p>
397. </div></div></div></div></div></div></div></div></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><div data-parent="true" class="vc_row row-container" id="row-unique-38"><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>
398. <div class="ewa-rteLine">At Sellicks Beach, 4 of the 8 remaining residential lots are still available, with one set to be subdivided into two, projecting a strong premium over the most recent valuation. The previously contracted commercial lot has since been terminated. At The Buckingham, the project has advanced through the pre-construction phase, with progress made on design and preparation for the build. Sales are being led by Taarnby who have received strong enquiry levels and registrations indicating solid sales momentum.</div>
399. <p>
400. </div></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 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>Facility Status</p>
401. <ul>
402. <li>The facility, which expired on 28 July 2025, is now in default with interest capitalising until repayment.</li>
403. <li>Repayment via a refinance solution is expected following practical completion, which is now forecast for early December 2025.</li>
404. </ul>
405. <p>&nbsp;</p>
406. <p>Project Status</p>
407. <ul>
408. <li>Civil works are approximately 95% complete, with practical completion now forecast for December 2025.</li>
409. <li>Remaining works include footpaths, sewer connections, electrical and NBN installations.</li>
410. <li>Ark has appointed Evoc Property as independent Development Manager to manage completion and title registration.</li>
411. </ul>
412. <p>&nbsp;</p>
413. <p>Planning</p>
414. <ul>
415. <li>At the Section 34 Conference held on 19 August 2025, approval was granted for the Marina DA with minor amendments, confirming eight berths (one per lot).</li>
416. <li>This represents a positive outcome, avoiding a Court hearing and decoupling the marina approval from subdivision title registration.</li>
417. </ul>
418. <p>&nbsp;</p>
419. <p>Sales</p>
420. <ul>
421. <li>Negotiations remain ongoing for the sale of Lot 8. While progress has been made, further work is required before exchange can occur.</li>
422. </ul>
423. <p>
424. </div></div></div></div></div></div></div></div></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><div data-parent="true" class="vc_row row-container" id="row-unique-40"><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>
425. <div class="ewa-rteLine">
426. <div class="ewa-rteLine">&#8216;Sales momentum remains strong, with more than 95% of lots sold across Stages 5–9, noting the facility only relates to Stages 5–7.</div>
427. <div class="ewa-rteLine"></div>
428. <div class="ewa-rteLine">Civil works for Stages 5 and 6 are progressing, with completion still expected in Q1 2026.</div>
429. </div>
430. <p>
431. </div></div></div></div></div></div></div></div></div></div></div></div></div></div><script id="script-row-unique-40" data-row="script-row-unique-40" type="text/javascript" class="vc_controls">UNCODE.initRow(document.getElementById("row-unique-40"));</script></div></div></div><div data-parent="true" class="vc_row row-container" id="row-unique-41"><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>Demolition of the existing improvements on site has been completed. Due to inclement weather in August, bulk earthworks only commenced this month.</p>
432. </div></div></div></div></div></div></div></div></div></div></div></div></div></div><script id="script-row-unique-41" data-row="script-row-unique-41" type="text/javascript" class="vc_controls">UNCODE.initRow(document.getElementById("row-unique-41"));</script></div></div></div><div data-parent="true" class="vc_row row-container" id="row-unique-42"><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>
433. <div class="ewa-rteLine">Construction continues to progress and the latest status of works include:</div>
434. <ul>
435. <li class="ewa-rteLine">Bulk earthworks are well advanced</li>
436. <li class="ewa-rteLine">Roads have been boxed</li>
437. </ul>
438. <p>
439. </div></div></div></div></div></div></div></div></div></div></div></div></div></div><script id="script-row-unique-42" data-row="script-row-unique-42" type="text/javascript" class="vc_controls">UNCODE.initRow(document.getElementById("row-unique-42"));</script></div></div></div><div data-parent="true" class="vc_row row-container" id="row-unique-43"><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>
440. <div class="ewa-rteLine">
441. <div class="ewa-rteLine">
442. <div class="ewa-rteLine">The facility was refinanced into a new 12-month facility during the month which will provide the borrower with additional time to secure planning consent and progress towards construction readiness.</div>
443. </div>
444. </div>
445. <p>
446. </div></div></div></div></div></div></div></div></div></div></div></div></div></div><script id="script-row-unique-43" data-row="script-row-unique-43" type="text/javascript" class="vc_controls">UNCODE.initRow(document.getElementById("row-unique-43"));</script></div></div></div><div data-parent="true" class="vc_row row-container" id="row-unique-44"><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>
447. <div class="ewa-rteLine">
448. <div class="ewa-rteLine">Civil works continue to progress well, with 97% of contracted works now complete and practical completion forecast for October 2025. All roofing, including structural steel, has been completed, façade works are significantly advanced, and all warehouse floor slabs have now been poured.</div>
449. </div>
450. <p>
451. </div></div></div></div></div></div></div></div></div></div></div></div></div></div><script id="script-row-unique-44" data-row="script-row-unique-44" type="text/javascript" class="vc_controls">UNCODE.initRow(document.getElementById("row-unique-44"));</script></div></div></div><div data-parent="true" class="vc_row row-container" id="row-unique-45"><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>
452. <div class="ewa-rteLine">Remediation works have now been completed, with all soil and vapour validation returned within required limits. Excavation of contamination hotspots and slab removal have also been finalised, with validated backfill placed, resolving a key project risk. Vapour and groundwater monitoring will continue through to the completion of earthworks, ensuring compliance and site readiness.</div>
453. <p>
454. </div></div></div></div></div></div></div></div></div></div></div></div></div></div><script id="script-row-unique-45" data-row="script-row-unique-45" type="text/javascript" class="vc_controls">UNCODE.initRow(document.getElementById("row-unique-45"));</script></div></div></div><div data-parent="true" class="vc_row row-container" id="row-unique-46"><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>Salisbury Plain &amp; Kent Town, 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>
455. <div class="ewa-rteLine">
456. <div class="ewa-rteLine">The facility has been successfully refinanced into a new facility for a six-month term, providing sufficient time to finalise the design and execute the civil works contract with Wormall, the appointed civil contractor.</div>
457. </div>
458. <p>
459. </div></div></div></div></div></div></div></div></div></div></div></div></div></div><script id="script-row-unique-46" data-row="script-row-unique-46" type="text/javascript" class="vc_controls">UNCODE.initRow(document.getElementById("row-unique-46"));</script></div></div></div><div data-parent="true" class="vc_row row-container" id="row-unique-47"><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>Following the three-month facility extension in August, ARK has commenced discussions with the sponsor in preparation for a refinance expected to occur in November 2025.</p>
460. </div></div></div></div></div></div></div></div></div></div></div></div></div></div><script id="script-row-unique-47" data-row="script-row-unique-47" type="text/javascript" class="vc_controls">UNCODE.initRow(document.getElementById("row-unique-47"));</script></div></div></div><div data-parent="true" class="vc_row row-container" id="row-unique-48"><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>Bulk earthworks are well advanced. Although delays in sewer approvals have resulted in 22.5 days of Extension of Time claims, approvals are now imminent. The project manager is actively working with the contractor to identify opportunities to mitigate further impacts to the program.</p>
461. </div></div></div></div></div></div></div></div></div></div></div></div></div></div><script id="script-row-unique-48" data-row="script-row-unique-48" type="text/javascript" class="vc_controls">UNCODE.initRow(document.getElementById("row-unique-48"));</script></div></div></div><div data-parent="true" class="vc_row row-container" id="row-unique-49"><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>During the month, the project successfully achieved title registration. The borrower has advised that settlements have now been called, with full facility repayment anticipated by the end of October.</p>
462. </div></div></div></div></div></div></div></div></div></div></div></div></div></div><script id="script-row-unique-49" data-row="script-row-unique-49" type="text/javascript" class="vc_controls">UNCODE.initRow(document.getElementById("row-unique-49"));</script></div></div></div><div data-parent="true" class="vc_row row-container" id="row-unique-50"><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>
463. <div class="ewa-rteLine">Bulk earthworks are well advanced. Although delays in sewer approvals have resulted in 22.5 days of Extension of Time claims, approvals are now imminent. The project manager is actively working with the contractor to identify opportunities to mitigate further impacts to the program.</div>
464. <p>
465. </div></div></div></div></div></div></div></div></div></div></div></div></div></div><script id="script-row-unique-50" data-row="script-row-unique-50" type="text/javascript" class="vc_controls">UNCODE.initRow(document.getElementById("row-unique-50"));</script></div></div></div><div data-parent="true" class="vc_row row-container" id="row-unique-51"><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>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>
466. <div class="ewa-rteLine">During the month, the project successfully achieved title registration. The borrower has advised that settlements have now been called, with full facility repayment anticipated by the end of October.</div>
467. <p>
468. </div></div></div></div></div></div></div></div></div></div></div></div></div></div><script id="script-row-unique-51" data-row="script-row-unique-51" type="text/javascript" class="vc_controls">UNCODE.initRow(document.getElementById("row-unique-51"));</script></div></div></div><div data-parent="true" class="vc_row row-container" id="row-unique-52"><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>
469. <div class="ewa-rteLine">
470. <div class="ewa-rteLine">
471. <div class="ewa-rteLine">
472. <p>Skyloft Apartments</p>
473. <ul>
474. <li>Construction of Level 4 is complete and fully fitted out, with inspections by prospective purchasers currently underway.</li>
475. <li>Level 5 is nearing completion, with finishing works in progress and final clean-up to follow.</li>
476. </ul>
477. <p>&nbsp;</p>
478. <p>Hotel Component:</p>
479. <ul>
480. <li>Practical completion is now expected in late October. The sponsor has a buyer that is wanting to operate the hotel component itself not including the food and beverage area.</li>
481. <li>Ascott has now issued the termination notices of both the HMA and TAA which will incur costs of circa $350K which the sponsor will be required to pay. This was expected and allows for the sale process to progress now with the operator removed and the intended purchaser wanting a specific operator.</li>
482. <li>Certificate of occupancy is expected to be issued in October 2025.</li>
483. </ul>
484. <p>&nbsp;</p>
485. <p>Sales &amp; Settlement Update:</p>
486. <ul>
487. <li>The sponsor has successfully sold 2 of the Level 5 Sky Loft apartments above valuation.</li>
488. <li>The West Lakes property remains on track to settle in mid-October 2025.</li>
489. </ul>
490. </div>
491. </div>
492. </div>
493. <p>
494. </div></div></div></div></div></div></div></div></div></div></div></div></div></div><script id="script-row-unique-52" data-row="script-row-unique-52" type="text/javascript" class="vc_controls">UNCODE.initRow(document.getElementById("row-unique-52"));</script></div></div></div><div data-parent="true" class="vc_row row-container" id="row-unique-53"><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>ARK has received the valuation for the future childcare development and has issued indicative terms for the proposed construction facility.</p>
495. </div></div></div></div></div></div></div></div></div></div></div></div></div></div><script id="script-row-unique-53" data-row="script-row-unique-53" type="text/javascript" class="vc_controls">UNCODE.initRow(document.getElementById("row-unique-53"));</script></div></div></div><div data-parent="true" class="vc_row row-container" id="row-unique-54"><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 planning permit is still pending approval however the final assessment is in progress and the permit is expected to be issued by the end of next month.</p>
496. </div></div></div></div></div></div></div></div></div></div></div></div></div></div><script id="script-row-unique-54" data-row="script-row-unique-54" type="text/javascript" class="vc_controls">UNCODE.initRow(document.getElementById("row-unique-54"));</script></div></div></div><div data-parent="true" class="vc_row row-container" id="row-unique-55"><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 borrower continues to hold the property as an investment asset.</p>
497. </div></div></div></div></div></div></div></div></div></div></div></div></div></div><script id="script-row-unique-55" data-row="script-row-unique-55" type="text/javascript" class="vc_controls">UNCODE.initRow(document.getElementById("row-unique-55"));</script></div></div></div><div data-parent="true" class="vc_row row-container" id="row-unique-56"><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>Since financial close, the borrower continues to work with council in preparation for securing the planning permit.</p>
498. </div></div></div></div></div></div></div></div></div></div></div></div></div></div><script id="script-row-unique-56" data-row="script-row-unique-56" type="text/javascript" class="vc_controls">UNCODE.initRow(document.getElementById("row-unique-56"));</script></div></div></div><div data-parent="true" class="vc_row row-container" id="row-unique-57"><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>Athol 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>The facility reached financial close during the month.</p>
499. </div></div></div></div></div></div></div></div></div></div></div></div></div></div><script id="script-row-unique-57" data-row="script-row-unique-57" type="text/javascript" class="vc_controls">UNCODE.initRow(document.getElementById("row-unique-57"));</script></div></div></div>
500. </div><p>The post <a href="https://arkcapital.com.au/news-insights/investment-updates-september-2025/">Investment Updates: September 2025</a> appeared first on <a href="https://arkcapital.com.au">Ark Capital</a>.</p>
501. ]]></content:encoded>
505. </item>
506. <item>
507. <title>Ring the Bell: The Sound of Team Spirit</title>
508. <link>https://arkcapital.com.au/news-insights/ring-the-bell/</link>
510. <dc:creator><![CDATA[Marketing]]></dc:creator>
511. <pubDate>Mon, 22 Sep 2025 23:32:32 +0000</pubDate>
512. <category><![CDATA[News and Insights]]></category>
513. <guid isPermaLink="false">https://arkcapital.com.au/?p=5340</guid>
514.  
515. <description><![CDATA[<p>In the heart of our office at Ark Capital hangs something that might seem unexpected in a modern investment firm - a traditional ship's bell. </p>
516. <p>The post <a href="https://arkcapital.com.au/news-insights/ring-the-bell/">Ring the Bell: The Sound of Team Spirit</a> appeared first on <a href="https://arkcapital.com.au">Ark Capital</a>.</p>
517. ]]></description>
518. <content:encoded><![CDATA[<div class="wpb-content-wrapper"><div data-parent="true" class="vc_row row-container" id="row-unique-58"><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="uncode_text_column text-lead" ><p>This isn&#8217;t decoration or maritime nostalgia. It&#8217;s the beating heart of our culture, a symbol that embodies everything we stand for as a team.</p>
519. <p>Our bell is rung only when something truly significant happens. When we settle a new investment after months of careful analysis and negotiation, the clear, resonant sound fills our office. When a team member achieves a personal milestone like when our colleague received the all-clear from her cancer diagnosis after extensive treatment—the bell rings out in celebration. When we reach a significant company milestone that represents collective effort and determination, that familiar chime marks the moment.</p>
520. </div><div class="vc_custom_heading_wrap "><div class="heading-text el-text" ><h3 class="h4" ><span>More Than Just Celebration</span></h3></div><div class="clear"></div></div><div class="uncode_text_column" ><p>The bell is never rung frivolously. It&#8217;s regarded with deep reverence, and being nominated to ring it is considered an honour among our team. This isn&#8217;t about individual glory it&#8217;s about recognising that behind every ring lies a story of challenge overcome, hard work completed, and often, a <a href="https://hbr.org/2021/03/research-a-little-recognition-can-provide-a-big-morale-boost">team effort</a> that made the impossible possible.</p>
521. </div><div class="uncode_text_column" ><p>What makes our bell particularly meaningful is what it represents beyond the moment of celebration. When we ring it for a newly settled investment, we&#8217;re not just marking the end of a long journey of due diligence, negotiations, and complex decision-making. We&#8217;re acknowledging that this is often just the beginning—the start of our commitment to management, delivery, and ensuring that investment performs as we&#8217;ve planned and promised.</p>
522. </div><div class="vc_custom_heading_wrap "><div class="heading-text el-text" ><h3 class="h4 text-color-prif-color" ><span>Fuelling Ambition, Celebrating Unity</span></h3></div><div class="clear"></div></div><div class="uncode_text_column" ></p>
523. <div class="x_ms-outlook-mobile-reference-message x_skipProofing" dir="ltr" data-olk-copy-source="MessageBody">
524. <p>The bell creates something electric in our office—a genuine excitement that ripples through the team. Perhaps it even sparks a little healthy <a href="https://positivepsychology.com/employee-recognition">competition</a> to achieve that next &#8220;bell-worthy&#8221; result. But here&#8217;s what matters most: every achievement we celebrate is recognised as a team effort. Individual brilliance is celebrated, but it&#8217;s always understood within the context of collective support, shared knowledge, and mutual commitment to excellence.</p>
525. </div>
526. <p>
527. </div><div class="uncode_text_column" ><p>In an industry that can sometimes feel impersonal or purely transactional, our ship&#8217;s bell keeps us grounded in what truly matters—the human connections, the shared struggles, the collective victories, and the understanding that our greatest achievements come not from individual pursuit, but from working together toward something bigger than ourselves.</p>
528. </div><div class="vc_custom_heading_wrap "><div class="heading-text el-text" ><h3 class="h4 text-color-prif-color" ><span>A Symbol of Our Journey</span></h3></div><div class="clear"></div></div><div class="uncode_text_column" ><p>Like the ships that once relied on bells to mark important moments and communicate across the waves, we use our bell to punctuate the significant moments in our journey as a firm. Each ring acknowledges not just where we&#8217;ve been, but where we&#8217;re heading next.</p>
529. <p>At Ark Capital, we believe that true success isn&#8217;t measured only in returns or settlements—it&#8217;s found in the relationships we build, the challenges we overcome together, and the moments when we pause to recognise that something meaningful has been accomplished.</p>
530. </div><div class="uncode_text_column" ><p>The next time you visit our office and hear that bell ring, know that you&#8217;re witnessing more than a celebration. You&#8217;re experiencing a moment that captures the essence of who we are: a team that values both achievement and the journey to get there, that celebrates individual success within the strength of collective effort, and that never loses sight of the human element in everything we do.</p>
531. <p>After all, the most worthwhile destinations are rarely reached alone.</p>
532. </div><div class="uncode_text_column text-small" ><p><em><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 class="NormalTextRun Superscript SCXW30386806 BCX0" data-fontsize="14" data-ccp-charstyle="Emphasis"> </span></span><span class="EOP SCXW30386806 BCX0" data-ccp-props="{&quot;201341983&quot;:0,&quot;335559740&quot;:240}"> </span></em></p>
533. </div>
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554. </div></div></div></div></div></div></div></div></div></div></div></div></div><script id="script-row-unique-58" data-row="script-row-unique-58" type="text/javascript" class="vc_controls">UNCODE.initRow(document.getElementById("row-unique-58"));</script></div></div></div>
555. </div><p>The post <a href="https://arkcapital.com.au/news-insights/ring-the-bell/">Ring the Bell: The Sound of Team Spirit</a> appeared first on <a href="https://arkcapital.com.au">Ark Capital</a>.</p>
556. ]]></content:encoded>
560. </item>
561. <item>
562. <title>From Uncertainty to Confidence: Navigating Leadership in Finance</title>
563. <link>https://arkcapital.com.au/news-insights/from-uncertainty-to-confidence-navigating-leadership-in-finance/</link>
565. <dc:creator><![CDATA[Marketing]]></dc:creator>
566. <pubDate>Mon, 22 Sep 2025 03:16:42 +0000</pubDate>
567. <category><![CDATA[News and Insights]]></category>
568. <guid isPermaLink="false">https://arkcapital.com.au/?p=5278</guid>
569.  
570. <description><![CDATA[<p>I’ve learned that confidence in finance isn’t about having all the answers - it’s about building systems and mindsets that let you navigate uncertainty with clarity and conviction.</p>
571. <p>The post <a href="https://arkcapital.com.au/news-insights/from-uncertainty-to-confidence-navigating-leadership-in-finance/">From Uncertainty to Confidence: Navigating Leadership in Finance</a> appeared first on <a href="https://arkcapital.com.au">Ark Capital</a>.</p>
572. ]]></description>
573. <content:encoded><![CDATA[<div class="wpb-content-wrapper"><div data-parent="true" class="vc_row row-container" id="row-unique-59"><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="uncode_text_column text-lead" ><p>Over the years, I’ve seen finance professionals wrestle with the same tension: the demand for precision in a world where business will always be unpredictable. The strongest financial leaders aren’t flawless. They earn confidence by preparing rigorously, communicating openly, and acting decisively when it matters most.</p>
574. <p>Here are four lessons I’ve learned about building genuine confidence in finance leadership.</p>
575. </div><div class="vc_custom_heading_wrap "><div class="heading-text el-text" ><h3 class="h4" ><span>Lesson One: Forecast with honesty, not optimism</span></h3></div><div class="clear"></div></div><div class="uncode_text_column" ><p>The quickest way to lose credibility is to present forecasts that look polished but collapse under <a href="https://www.pwc.com.au/banking-capital-markets/stress-testing-enhancing-financial-resilience.html">scrutiny</a>.</p>
576. <p>My confidence comes from forecasting that’s both rigorous and realistic.</p>
577. <ul>
578. <li>I prefer to model multiple scenarios &#8211; best, worst, and most likely.</li>
579. <li>I’m always upfront about assumptions (even in the awkward moments, I want to think through where things might break)</li>
580. <li>I always lead with risks and dependencies, not just the upside.</li>
581. </ul>
582. <div dir="ltr" role="presentation">
583. <p>&nbsp;</p>
584. <p>At Ark Capital, operating in commercial real estate debt, we’ve seen how quickly markets can <a href="https://www.dexus.com/news-insights/research/australian-real-asset-review-q3-2025">change</a>. I’ve found stakeholders value a forecast that says, “Here’s what we expect, here are the potential risks, and here’s how we’d respond” far more than overly confident projections. The goal isn’t pessimism &#8211; it’s preparedness.</p>
585. </div>
586. <p>
587. </div><div class="vc_custom_heading_wrap "><div class="heading-text el-text" ><h3 class="h4 text-color-prif-color" ><span>Lesson Two: Use data to tell the story</span></h3></div><div class="clear"></div></div><div class="uncode_text_column" ><p>Confident CFOs don’t just report numbers—they translate them into business insight.</p>
588. <p>That means:</p>
589. <ul>
590. <li>Connecting financial trends to real-world drivers.</li>
591. <li>Surfacing leading indicators, not just historic results.</li>
592. <li>Linking financial performance back to strategy.</li>
593. </ul>
594. <p>For example, if margins are declining, I don’t just report the fall. I unpack the drivers, whether it’s rising costs, increased competition in the market, or delayed deals and explain what it means for the next quarter’s decisions.</p>
595. <p>When you can explain not just what the numbers are, but why they matter, you shift from gatekeeper to strategic partner—and that’s where confidence grows.</p>
596. </div><div class="vc_custom_heading_wrap "><div class="heading-text el-text" ><h3 class="h4 text-color-prif-color" ><span>Lesson Three: Build resilience before you need it</span></h3></div><div class="clear"></div></div><div class="uncode_text_column" ></p>
597. <div class="x_ms-outlook-mobile-reference-message x_skipProofing" dir="ltr" data-olk-copy-source="MessageBody">Nothing breeds confidence like knowing the business can absorb shocks.</div>
598. <div class="x_ms-outlook-mobile-reference-message x_skipProofing" dir="ltr"></div>
599. <div class="x_ms-outlook-mobile-reference-message x_skipProofing" dir="ltr">The most prepared finance <a href="https://hbr.org/2022/09/what-makes-a-great-leader">leaders</a> I know:</div>
600. <ul dir="ltr" data-editing-info="{&quot;applyListStyleFromLevel&quot;:true}">
601. <li>
602. <div class="x_ms-outlook-mobile-reference-message x_skipProofing" dir="ltr" role="presentation">Maintain strong cash and liquidity facilities before conditions tighten.</div>
603. </li>
604. <li>
605. <div class="x_ms-outlook-mobile-reference-message x_skipProofing" dir="ltr" role="presentation">Stress-test regularly &#8211; what if revenue fell 20%?</div>
606. </li>
607. <li>
608. <div class="x_ms-outlook-mobile-reference-message x_skipProofing" dir="ltr" role="presentation">Diversify funding sources.</div>
609. </li>
610. </ul>
611. <div class="x_ms-outlook-mobile-reference-message x_skipProofing" dir="ltr">
612. <p>In our sector, deal flow timing can sometimes be unpredictable. By holding stronger cash positions we’ve been able to act from a position of strength even when the market shifted.</p>
613. </div>
614. <p>
615. </div><div class="vc_custom_heading_wrap "><div class="heading-text el-text" ><h3 class="h4 text-color-prif-color" ><span>Lesson Four: Be transparent &#8211; even when it’s uncomfortable</span></h3></div><div class="clear"></div></div><div class="uncode_text_column" ><p>Confidence isn&#8217;t about avoiding problems—it&#8217;s about delivering the truth early, with context and a plan.</p>
616. <p>That requires:</p>
617. <ul>
618. <li>Regular, open dialogue with stakeholders.</li>
619. <li>Flagging issues with proposed solutions, not just problems.</li>
620. <li>Clear processes for escalating risks.</li>
621. </ul>
622. <p>I’ve found trust grows when you share bad news promptly and constructively. Stakeholders will forgive challenges. They won’t forgive surprises</p>
623. </div><div class="vc_custom_heading_wrap "><div class="heading-text el-text" ><h3 class="h4 text-color-prif-color" ><span>Final word: Confidence is built, not born</span></h3></div><div class="clear"></div></div><div class="uncode_text_column" ><p>Financial confidence doesn’t come from projecting certainty in an uncertain world. It comes from preparation, transparency, and the courage to act decisively, even when the data isn’t perfect.</p>
624. <p>The businesses that thrive are led by finance professionals who understand: confidence isn’t the absence of doubt—it’s the ability to move forward despite it.</p>
625. </div><div class="uncode_text_column text-small" ><p><em>Article written by Anita Young, Chief Financial Officer – <a href="https://www.linkedin.com/in/anita-young-53089934/">View LinkedIn</a></em></p>
626. <p><em><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 class="NormalTextRun Superscript SCXW30386806 BCX0" data-fontsize="14" data-ccp-charstyle="Emphasis"> </span></span><span class="EOP SCXW30386806 BCX0" data-ccp-props="{&quot;201341983&quot;:0,&quot;335559740&quot;:240}"> </span></em></p>
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649. </div><p>The post <a href="https://arkcapital.com.au/news-insights/from-uncertainty-to-confidence-navigating-leadership-in-finance/">From Uncertainty to Confidence: Navigating Leadership in Finance</a> appeared first on <a href="https://arkcapital.com.au">Ark Capital</a>.</p>
650. ]]></content:encoded>
654. </item>
655. <item>
656. <title>Ark Capital Expands into Queensland</title>
657. <link>https://arkcapital.com.au/news-insights/news-ark-capital-expands-queensland/</link>
659. <dc:creator><![CDATA[Marketing]]></dc:creator>
660. <pubDate>Tue, 16 Sep 2025 00:23:58 +0000</pubDate>
661. <category><![CDATA[News and Insights]]></category>
662. <guid isPermaLink="false">https://arkcapital.com.au/?p=5095</guid>
663.  
664. <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>
665. <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>
666. ]]></description>
667. <content:encoded><![CDATA[<div class="wpb-content-wrapper"><div data-parent="true" class="vc_row row-container" id="row-unique-60"><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>
668. </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>
669. <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>
670. <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>
671. </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>
672. <p>Our approach includes:</p>
673. <ul>
674. <li>First mortgage lending products tailored to the needs of developers.</li>
675. <li>True equity partnership opportunities that align our interests with those of our development partners.</li>
676. <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>
677. </ul>
678. <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>
679. </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>
680. <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>
681. <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>
682. </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>
683. </div><div class="uncode_text_column text-small" ><p>Article written by Justin Reidy &#8211; State Director &#8211; Queensland</p>
684. <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>
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707. </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>
708. ]]></content:encoded>
712. </item>
713. <item>
714. <title>Bedrock Mortgage Fund: August 2025</title>
715. <link>https://arkcapital.com.au/news-insights/bedrock-mortgage-fund-august-2025/</link>
717. <dc:creator><![CDATA[Marketing]]></dc:creator>
718. <pubDate>Mon, 15 Sep 2025 04:26:37 +0000</pubDate>
719. <category><![CDATA[Bedrock]]></category>
720. <guid isPermaLink="false">https://arkcapital.com.au/?p=5048</guid>
721.  
722. <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>
723. <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>
724. ]]></description>
725. <content:encoded><![CDATA[<div class="wpb-content-wrapper"><div data-parent="true" class="vc_row row-container" id="row-unique-62"><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>
726. <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>
727. <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>
728. <p>
729. </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-62" data-row="script-row-unique-62" type="text/javascript" class="vc_controls">UNCODE.initRow(document.getElementById("row-unique-62"));</script></div></div></div>
730. </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>
731. ]]></content:encoded>
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