Henry Holm

speaker

287 appearances 1 recordings 1 series first heard Apr 2026 last heard 30 Apr

Henry Holm’s voice in public audio — every appearance, attributed to the second.

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Recordings per month over the last 12 months — 1 in all, peaking in Apr 2026 with 1.

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Equity Mates Investing Podcast · The How’s and Why’s of Private Credit with Henry Holm · 30 Apr 2026 podcast

further constraint on supply if those projects are no longer viable they just don't get built so it sort of underpins or it constrains the supply of new housing we spend a lot of time testing feasibilities testing you know is there enough contingency is there enough buffer in this that if there are price movements if there are cost increases this thing is still going to get built we're still going to get out the other side of it because we think if we can get them built there's probably pretty good underlying demand for the product

The first is experience, length of experience.

And I don't just mean sort of having had experience as a manager in a bank.

It's experience in private credit, in private credit lending and experience across cycles.

We've been in a...

in an elongated up cycle in real estate and in Australia for quite some time.

But down cycles behave very differently.

So you want to look for a manager that has that breadth of experience and has some in-house asset management and recovery scenarios.

It's a fact of

it's a fact of the game that you are going to make loans that don't necessarily perform as expected.

That doesn't mean that you're going to lose investors' capital, but it does mean you're in an acute phase of risk and it requires really active management.

So there's a bunch of different strategies that

managers can apply, whether it be to dispose of the asset, to step in and develop it out, to does it require time to get it out of trouble?

So there's all these different strategies and it's really only experience and in-house capability that will give you that.

So that's, you know, for me, that'd be the first thing I look for.

The other key bit I would look for is a manager that doesn't have a monoline business.

And so by a monoline business, what I mean

is they have other sources of income outside of lending and outside of the fees generated by making new loans.

So we talked about lending standards earlier, and if you've got a lender that has to make loans to keep the lights on, it's very hard to stick to those frameworks, those risk frameworks, and maintain your lending standards.

If you've got a diversified income base, if you have other businesses, then you've got other revenue streams when markets get over-buoyant or over-exuberant.

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