Private Debt

Wingate is regarded as one of Australia’s leading originators of private debt investment opportunities. For many years the preserve of institutions, investing in debt is becoming an increasingly popular way for high-wealth individuals and families to generate income from their investment portfolios.


We typically identify opportunities that are either considered too complex by traditional lenders, are poorly serviced, or where legislation or regulator policies limit competition. As a result, we have established a strong presence in consumer finance lending and property funding.

Consumer Debt

  • Wingate Consumer Finance offers secured and unsecured personal loans under its Now Finance and MacCredit brands;
  • These personal loans are funded through a senior bank warehouse facility and a series of structured note programs;
  • Wingate co-investors are offered the opportunity to participate in the various note programs, with the security of a seasoned and diversified portfolio of loans originated, managed and collected by WCF; and
  • The structured note programs provide yields typically associated with quasi-equity corporate hybrids, but they are senior secured and structured to provide protection that will offer comfort to conservative, risk–averse investors.

Property Debt

Wingate Property originates and structures proprietary property debt co-investment opportunities. We have a pristine track record of outstanding risk-adjusted returns and capital preservation:

  • We invest across the capital structure, including senior, mezzanine and junior debt positions;
  • Our Wingate Investment Partners Trusts (WIP), alongside Wingate’s balance sheet, stand first in line for Wingate Property Debt investments; and
  • The WIP trusts’ unitholders have priority access to individual co-investment opportunities when capacity is available.