Quick Facts
- $450 billion – Estimated economic value of PPSR registrations, equal to 16% of Australia’s GDP
- 10.7 million – Active PPSR registrations
- 2.2 million – New registrations added during the year
- 69% – Share of new registrations involving motor vehicles
- 13.1 million – Total PPSR searches conducted in 2024–25
The PPSR is more critical than ever
The PPSR now holds over 10.7 million active registrations with a potential economic value of $450 billion, equivalent to 16% of Australia’s GDP. This underscores its role as a cornerstone of the nation’s credit infrastructure, enabling transparency and enforceability in securing financial interests.
Motor Vehicles Dominate, But Asset Diversity Is Growing
Motor vehicles remain the most registered collateral class, accounting for 69% of new registrations. However, there was a noticeable rise in registrations for Other Goods (22.5%) and Intangible Property (1.1%), such as intellectual property and licensing rights. This shift reflects broader asset use in secured lending and growing awareness of the PPSR’s flexibility.
Commercial Credit Is Driving PPSR Activity
In 2024–25, 79.1% of new registrations were commercial, reaffirming the PPSR’s importance in business-to-business credit and lending. The construction and hire and rental sectors were among the top industries using personal property as collateral, while financial institutions accounted for 68.6% of secured-party registrations.
Good News, Searches Are Increasing
Over 13.1 million searches were conducted in 2024–25, a 2.3% increase from the previous year. The high search-to-registration ratio of 5.8:1 suggests users are actively engaging with the PPSR as a risk management tool, verifying interests before entering transactions.
PPSR Data Accuracy Is a Growing Concern
AFSA received 2,190 amendment demands in 2024–25, with 801 registrations removed due to no longer valid obligations. Disputes and outdated registrations can hinder access to credit and delay transactions. AFSA Chief Executive, Tim Beresford, said: 'In 2025–26 we're focused on keeping the register accurate and up to date. A key priority is making sure users remove registrations promptly once a loan is repaid.”
Opportunities for creditors
For creditors, the PPSR offers:
- Legal rights to your supplied goods
- Priority protection in case of customer insolvency
- Risk mitigation via searchable, transparent records
Streamline Your PPSR Management with Access Intell
Managing PPSR registrations and searches can be complex but it doesn’t have to be. Access Intell’s PPSR management software is designed to simplify the process for creditors and lenders through automation. Ensure your business protects their security interests against insolvent customers with accurate registrations. Easy, effective and low-cost.
Sources:
Australian Financial Security Authority State of the Personal Property Securities System 2024–25
Australian Bureau of Statistics (2025), Australian National Accounts: National Income, Expenditure and Product, ABS, accessed 19 November 2025
