CIX Capital Pty Ltd

14/06/2026

14/06/2026

Property finance is rarely one-size-fits-all.

In this quick cut from Funding the Future, Harshana Perera speaks with CIX Co-Founders and Directors, Selson Xie and Shirley Ip, about why flexibility and structuring capability matter when navigating more complex property transactions.

Watch this first preview from Episode 1.
Full episode coming soon.

09/06/2026

Australia’s 2026–27 Federal Budget has placed new housing supply back in focus.
With negative gearing rules set to change from 1 July 2027, future tax support is expected to favour newly built residential properties over established residential investment properties.

For the property market, this may create a stronger focus on projects that contribute to new supply, including subdivision, land development and new residential construction.

Subdivision plays an important role in the early stages of housing delivery. By converting underutilised land into future residential lots, these projects can help support the development pipeline.

For developers, this also means funding strategy becomes even more important. Planning approvals, civil works, project timelines, holding costs and exit pathways all need to be considered carefully.

At CIX, we continue to monitor how policy changes influence property finance, private credit and residential development opportunities across Australia.

General information only. This is not financial, tax or investment advice. Please speak with a licensed adviser before making decisions.

Do you think this reform will increase investor interest in new residential supply and subdivision projects?

02/06/2026

Private credit is not one market, and recent US headlines do not automatically reflect Australian risk.

Much of the current pressure in US private credit is linked to corporate lending, particularly leveraged buyout transactions within private equity. These deals often rely heavily on earnings forecasts, valuation assumptions and high levels of leverage.
When cash flow weakens, recovery can become difficult, especially where there is no clear hard asset backing.

🏦 Australian commercial real estate private lending is structurally different.
Well-managed CRE lending is generally supported by real property security, tangible asset value, borrower equity and clear enforcement rights. The downside is not based only on future earnings assumptions. It is connected to tangible, recoverable assets.

At CIX, this is the framework we operate within:
▫️ Asset-backed lending
▫️ Conservative structures
▫️ Disciplined deployment

We underwrite to what can be secured and recovered, not what might happen in a forecast.

In credit, structure determines outcome, not headlines.

26/05/2026

CIX Capital is pleased to share the completion of our first-ever loan investment in Tasmania.

This $2 million facility supports the Stage 1 expansion of a luxury resort in Coles Bay, funding the construction of five additional cabins and helping the borrower grow its premium tourism offering in a high-demand destination.

The transaction involved several complexities, including a first-time borrower, a layered ownership structure, a diverse security pool across Tasmania and Victoria, and a tight funding timeframe.

Our focus was on understanding the opportunity in detail, staying closely engaged with stakeholders, and structuring a solution that balanced commercial practicality with credit discipline.

Through on-site due diligence, active coordination and tailored structuring, the facility was successfully delivered within two months of initial engagement.

The outcome not only supported the borrower’s next phase of growth but also marked CIX’s first transaction in Tasmania and expanded its geographic footprint beyond Victoria.

This is a strong example of how private credit can provide timely, tailored funding where complexity and ex*****on matter.

12/05/2026

The traditional 60/40 portfolio has long been seen as a defensive default.

But when inflation stays elevated, growth slows, and bonds stop cushioning equity drawdowns the way investors expect, it may be time to rethink what “defensive” really means.

In this kind of environment, selectivity matters.

Real estate is not a single risk bucket. Asset type, tenant quality, local demand drivers, and transaction structure can all shape risk and resilience differently.

At CIX, our focus is on real estate-backed private credit strategies built around conservative LVRs, meaningful equity buffers, security over real assets and disciplined underwriting.

This is not about replacing traditional assets. It is about broadening the toolkit for portfolio construction in a changing macro regime.

Follow CIX Insights for more market perspectives on private credit, real assets and portfolio resilience.

10/05/2026

To Mom, With Love.

Today, we celebrate the mothers and mother figures whose love, strength, and quiet sacrifices shape the lives around them.

For every hug, every late night, every word of encouragement, and every act of care — thank you.

Happy Mother’s Day from CIX.

30/04/2026

In private credit, not every project progresses exactly as planned. What matters is how change is managed when conditions shift.

In this anonymised childcare development case, delays in approvals and final construction costs affected the project timeline and required closer oversight.

Our focus was on identifying the issues early, staying engaged with stakeholders, and working towards a practical commercial outcome. That meant combining legal, credit, banking and market insight to assess realistic next steps while protecting investor interests.

The outcome was a commercial resolution that preserved investor capital, maintained priority and delivered final returns above the original target rate.

At CIX, downside protection is not about being aggressive. It is about being prepared, informed and actively engaged throughout the investment lifecycle.

14/04/2026

A valuable afternoon of insight and industry discussion.

CIX recently hosted our Property Industry and Residential Development Market Outlook 2026, bringing together perspectives across research, planning and property finance to discuss what is shaping the Victorian market.

This video recap captures key moments from the session, including insights from Richard Temlett and Jess Noonan, as well as the panel discussion with Bernie Fanning, moderated by Selson Tse.

From evidence-based market analysis to planning reform and the outlook for residential development, the conversation covered a range of issues that matter to developers, investors and industry participants.

Thank you to our speakers and everyone who joined us.

25/03/2026

CIX recently hosted our Property Industry and Residential Development Market Outlook 2026, an intimate event focused on the current state of the Victorian market and the factors shaping what comes next.

The session included keynote presentations from Richard Temlett, National Executive Director of Research at Charter Keck Cramer, and Jess Noonan, Senior Principal Town Planner at Tract, followed by a panel discussion with Bernie Fanning from CIX, moderated by Selson Tse.

Richard’s keynote focused on cutting through misinformation and looking at the Victorian and Melbourne markets through factual, evidence-based analysis. Jess shared valuable updates on Victoria’s planning outlook for 2026, including Activity Centres, the Great Design Fast Track, the Suburban Rail Loop, and what may be ahead in planning reform.

It was a valuable afternoon of insight, discussion, Q&A and industry networking.
Thank you to our speakers and everyone who joined us.