Investing with Zagga

Attractive returns with your choice of risk level

Fund creditworthy borrowers and receive the returns you want by making your money work harder for you now.

By investing through our platform, you:

  • invest in a higher-yield alternative asset class, secured by a registered mortgage over the borrower’s real property.
  • can be assured that your investment funds are NEVER pooled; they are allocated specifically and exclusively to the loans to which you were matched and committed to fund.
  • have the choice of funding the full loan amount, or in a fractional share of the loan together with other investors.
  • can receive regular monthly cashflow for the duration of the loan term, subject to the terms of the investment.
  • can diversify your investment portfolio yet always retain absolute choice and control over your investment preferences.
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Simple, fast, secured investing at your fingertips

Online form

Straightforward, online process

Investing through our platform is easy! Simply follow the prompts to join the Zagga marketplace. Once you’ve registered, you'll need to confirm your eligibility as a wholesale/sophisticated investor and complete your investor profile. That's it!


Seamless matching with automated alerts

We will automatically match your investor risk profile to any approved loan that fits your stated criteria. You will be sent an alert with access to the relevant loan details for review so you can decide whether or not to proceed with the investment opportunity.

You may accept the investment, opt out of participating, increase or decrease the amount of your proposed investment in the loan, or even elect to fund the full loan amount.

This systemised matching and alert:

  • removes the need for you to search through a marketplace of loans to find one that matches your preferences
  • standardises the timing of settlement for borrowers and commencement of investment for investors
  • means you don’t waste your time on loans that do not meet your stated investment risk and return objectives.

A registered mortgage over every loan

  • All loans are secured by a registered mortgage over real property
  • Each mortgage is individually registered in the name of Zagga Investments as trustee for the Zagga Investments Lending Trust, and each investor is recorded as a beneficiary for their fractional share of the loan and underlying security
  • Your investment funds are deposited into a dedicated trust account used solely and specifically for funding the loan to which you were matched and agreed to fund. Your investment funds are NEVER pooled.


  • You can invest in anything from 10% to 100% of a loan, depending on your investment risk appetite and other investors’ interests
  • Fractionalisation allows you to control your exposure to risk and to diversify your portfolio by investing smaller amounts across a variety of borrower types, loan purposes and terms
  • It also means that your fractional interest in both the loan and the security, is recorded in your name within the Trust that holds each registered mortgage
  • Your investment funds are NEVER pooled; they are allocated specifically and exclusively to the loans to which you were matched and committed to fund
Key Investment Risks

Market risk

Market risk is the risk that negative market movements will affect the price of assets within a particular market. By their very nature, markets experience periods of volatility involving price fluctuations of varying magnitudes. In general, shares and listed property investments experience more volatility than fixed interest investments and mortgages, which in turn experience more volatility than cash investments. For mortgage investments this means the interest receivable from your investment may not move in line with general interest rate markets and the amount you receive as income may vary over time.

Investment risk

The Fund’s investments may be subject to economic variables (including economic growth and inflation) and changes to government policy. These factors are generally beyond the control of the Trustee.

Market conditions such as low or declining demand for real estate may result in the security property being sold for a price that is lower than anticipated and this may ultimately result in a lower return to Investors.

Default and credit risk

There is a risk that the Borrower may default under the terms of the Loan, including if the Loan is not repaid by the end of its term. This may be for a wide range of reasons, including a change in the:

  • individual financial or other circumstances of the Borrower; and
  • economic climate generally that adversely affects all Borrowers.

The Trustee manages this risk by applying its approved lending policies, collection and management systems (see section 5.7) and the Fund’s compliance programme. All Loans are subject to periodic review.

If a default occurs, the ZILT, either directly or via an appointed specialist third-party, will take all necessary action to remedy the default, including:

  • pursuing recovery of arrears of income and capital;
  • arranging the issue and service of all default notices and other notices of demand;
  • taking possession of the security property;
  • exercising the power of sale pursuant to the mortgage; and
  • otherwise dealing with the security property and collateral security, such as enforcing guarantees, to protect the Investors’ interests.

Income risk

The Trustee does not guarantee your investment in the Fund or the payment of any interest or principal in relation to a Loan. Your investment in the Fund is dependent upon the Borrower repaying the principal and interest on the Loan on their due date(s).


An investment in the Fund is illiquid and there are limited rights to withdraw your funds from the Fund after you have submitted, and we have received, your Application Form and have issued you Units.

Structural risks

Investing in an unlisted and unregistered managed investment scheme (such as the Fund) is not like investing directly on your own. The Fund must take into consideration all applications made by all Investors, which can result in different income or capital gains outcomes when compared to investing directly on your own. Therefore, income from the Fund may be different to that received from investing directly on your own. You should obtain professional advice before deciding to invest in the Fund.

Diversification risk

In the early stages the Fund will have limited diversity of loans. Diversification will increase as more loans are invested in.

Term risk

There is a risk that the individual Loans may not be repaid in a timely fashion which may cause a delay or potential loss of capital. The Trustee seeks to manage this risk through the initial Loan approval process as well as managing maturing Loans in a timely fashion.

Regulatory and taxation risk

The Fund’s operations may be negatively impacted by changes to government policies, regulations and taxation laws. Although the Trustee is unable to predict future policy changes, the Trustee seeks to manage this through its risk management and compliance programmes to monitor and manage regulatory change.

Further, Australian tax laws are constantly in a state of flux with the introduction of various taxation amendments which may affect you.

Tax liability is your responsibility; we are not responsible for the taxation consequences of an investment in the Fund. You should consult your own taxation adviser to ascertain the tax implications of your investment.

Start the Zagga experience

Click the Join button below to access Zagga’s marketplace platform and open the door to a new class of investment possibilities.

Have a question?

Our team are happy to assist 9 am to 5 pm Monday to Friday. If you prefer, you can send us an email.

1300 1 ZAGGA (1300 192 442)  |  Or +61 2 9290 8543  |

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