High Quality Private Credit Opportunities.
Assets Under Management*
Loans Provided Since 2019
Clients Across Australia
* As at 1 September 2025
Multiple ways to invest in Private Credit.
We provide distinct pathways for wholesale and sophisticated investors to access high-quality private credit opportunities. Our private credit funds provide competitive returns secured by property held across Australia.
Individual Investments
For investors who prefer more control and responsibility over selecting the specific Private Credit investments.
Key features:
- Select individual opportunities
- Greater level of control
- Broad mix of investment terms
- A more ‘hands on’ experience
- Contributory fund
- Monthly distributions
Cash Rate +5 % p.a.*
Diversified Portfolio
For investors who want simple low volatile income from a diversified private credit portfolio.
Key features:
- Diversified portfolio of private credit
- Delegated to an experienced manager
- 12-month investment term
- A set-and-forget option
- Pooled fund
- Monthly distributions
* Distribution rate is net of management fees and expenses. Past performance is not an indication of future performance. Mortgage rates will vary over time and the indicator rate may decrease or increase in the future. ^Each individual supplementary information memorandum defines the returns for each mortgage investment. Investor returns are based on first registered mortgages written since 1 January 2025.
What do we stand for?
Quality investments
Get access to quality investments, with trusted borrowers. We are focused on quality over quantity of deals, to preserve our investor capital.
Experienced team
Our team are experienced in Private Credit and have been working in the industry for decades. Its not a new fad for us, its what we do best. Its the experienced team that our investors have come to trust when it comes to investing their hard earned money.
Competitive returns, paid monthly
You don’t have to wait for your investment to mature to see your returns. Each of our Private Credit Funds offer monthly income distributions so that our investors can regularly benefit from our investment solutions.
Values-driven approach
Values drive our business. From how we invest, who we invest with, and how we work with you. Respect, Fairness, Transparency and prudent risk management underpin everything we do.
People-focused. Always.
Relationships are at the heart of our investment strategy. Our team understands the private lending industry inside and out, and we apply our combined experience as an investment manager, to generate better results for our investors.
You select. We invest.
We believe in choices. We provide access to a variety of Investment Options that allows you to invest in the different types of Private Credit opportunities that help satisfy your needs. Giving you full flexibility. It’s in your hands.
Discover which approach suits your strategy.
Explore our Mortgage and Investment Fund or Diversified Credit Fund options to find the right fit for you.
Understanding private credit investments.
Sunbury: A Booming Market for Investors & Developers
How Bowery’s Governance Infrastructure Sets Investors Up for Success
Key Considerations When Selecting a Private Credit Fund
Riding the Global Shift into Private Credit: Global Trends and Australia’s Position
The 4 C’s of Lending – The Private Credit Context
Passive vs. Construction Investments – What Investors Need to Know
12-Month vs. 18-Month Private Credit Investment Terms: Understanding the Basics
12-Month vs. 18-Month Private Credit Investment Terms: Strategic Considerations
For Wealth Managers: Which Investors are Best Suited for Private Debt?
For Wealth Managers: How to Introduce Private Credit to Your Investors?
How to Evaluate the Quality of a Private Credit Fund?
Why Invest in Private Credit?
Investors Reap the Spoils of Private Credit as Banks Pull Back
$100 Billion of Savings Looking for a Home
Non-banks Drive Surge in Real Estate Funding Liquidity
Exploring Mortgage Funds
Private Mortgages Offer Investors More
Certainty During Uncertain Times
Yield-hungry Investors Zero in on Private Debt
Mortgage Funds Pay 9pc but Choose Carefully
Victoria Shovel-Ready Projects: $1.2bn Construction Boost Approved
Mortgage Trusts Hold Up Amid Virus Crisis
Why Australian House Prices Are Expected to Remain Stable Despite Economic Uncertainty
Hear it from our investors.
What’s the difference between pooled and contributory funds?
A pooled fund, is simply a market term to describe a portfolio of private credit investments, combined together into one investment vehicle. Your investment is therefore across different investment opportunities, developments and securities. In a contributory fund, you select the specific individual investment opportunity to fund – for example, choosing to back a particular townhouse development in the Gold Coast or a commercial project in regional Victoria.
Who can invest with Bowery?
We work with wholesale and sophisticated investors only. These include high net worth investors, family offices, asset managers, financial advisors and SMSFs who satisfy the eligible investor criteria for a wholesale and investors. Not sure if you qualify? Not a problem, just reach out — we’re happy to help walk you through it.
What returns can I expect?
Broadly speaking, our fixed monthly returns across all our offerings vary based on the different security type, duration, Loan to Value Ratio and location. The Mortgage & Investment Fund opportunities provide income sources from 9.0%p.a.*^ and the Diversified Credit Fund has a current benchmark of RBA Cash Rate + 5% p.a.*.
* Distribution rate is net of management fees and expenses. Past performance is not an indication of future performance. Mortgage rates will vary over time and the indicator rate may decrease or increase in the future. ^Each individual supplementary information memorandum defines the returns for each mortgage investment. Investor returns are based on first registered mortgages written since 1 January 2025.
What if the cash rate changes?
In order to secure quality deals, Bowery must remain competitive in the market, including securing Private Credit opportunities when changes occur to RBA’s Cash Rate in Australia. Most of our Investment Opportunities are fixed in duration for the term of the loan, helping to secure a regular source of income for your investments. The Diversified Credit Fund distributions are reviewed and communicated to investors monthly, and may change as the RBA cash rates change across Australia.
How often are returns paid?
Returns are paid monthly. Distributions within the Mortgage & Investment Fund are paid monthly, post the settlement date (ie. the same day of every month). The Diversified Credit Fund is paid at the start of the month, based on the performance of the portfolio for the preceding month.
Can I choose which investments I participate in?
Yes — if you prefer more control, our Mortgage & Investment Fund gives you full choice over where your money goes. Want something simpler? Then the Diversified Credit Fund has you covered.
How do I get started?
It’s easy. If you’re interested, submit an enquiry and have a chat with our team. We’ll guide you through the next steps — no pressure, just clarity.
If you’re ready to invest, you can simply complete, sign and submit this application form along with the relevant supporting documentation and one of our experienced Team Members will be in touch to finalise your application.
Take the next step.
Explore our tailored Private Credit Fund options today — whether you prefer hands-on control or a diversified, managed approach, Bowery has a solution for you. We are happy to walk you through these options in more detail of course, or you can access the different options below.
