Committed To Excellence In Real Estate Private Credit​

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Principal & interest
repaid

$ 0 M+

Successful loan
exits

0 +

Value of
loans funded

$ 1 M+

Average
investor return p.a.*

0 %

PARTNERSHIP | TRUST | RELATIONSHIP​

Since 2017, we remain steadfast in our commitment to always putting our investors first.

Why zig when you can Zagga?

Alternative real estate investment opportunities

As one of Australia’s leading alternative real estate investment managers, Zagga is committed to delivering attractive, risk-adjusted investor returns, and tailored private credit solutions, across the capital stack.

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For Investors seeking alternative real estate investment opportunities​

Zagga offers the alternative of accessing regular, predictable income and the option of adding a ‘middle ground’ to a well-diversified portfolio, all 100% first mortgage secured by Australian property.

Speak to us now

For creditworthy borrowers exploring flexible, bespoke alternatives

Zagga means fast, simple and flexible borrowing for multiple loan purposes. Since 2017, Zagga has funded a range of lending transactions across a spectrum of loan purposes.

Learn more about borrowing

With investors facing a storm of volatile pricing, and residential property yields compressed by high purchase prices, what alternatives are there?

Our newest white paper delves into the dynamics of the fast-growing private lending market, and what’s driving it.

Click here to access our white paper

Typical investment opportunities

Build a diversified portfolio and add that ‘middle ground’ through investing in Commercial Real Estate Debt.
Here are some recent high-yielding, alternative investment opportunities we have facilitated for our investors.

Register to start exploring alternative real estate investment opportunities in Australia.

Register today

Sans Souci, NSW

10.00%

Investor return p.a. (variable)

LVR 65.42%

Residual stock

Estimated term 6-12 months

Blakehurst, NSW

9.90%

Investor return p.a. (variable)

LVR 60%

Site acquisition

Estimated term 12-15 months

Kirrawee, NSW

9.90%

Investor return p.a. (variable)

LVR 65%

Industrial warehouse development

Estimated term 15-18 months

Box Hill, NSW

10.00%

Investor return p.a. (variable)

LVR 69.34%

Land subdivision

Estimated term 12-15 months

What we lend for

Zagga has worked with developers large and small. Projects which we have funded to date range from
simple residential projects to multi-million-dollar commercial and residential developments.

Explore our funding showcase.

LAND
BANKING

CONSTRUCTION
FINANCE

RESIDUAL
STOCK

BRIDGING
LOAN

WORKING
CAPITAL

INVESTMENT
PURPOSES

We’re helping our borrowers bring major projects to fruition whilst also providing investors with attractive returns.

Learn more about borrowing
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Meet the leadership team

Our team has over 200 years’ combined experience in credit, property and investment management.

 

Alan Greenstein

CEO & Co-Founder

Alan has more than 30 years’ experience in banking and finance, following a short stint as a legal practitioner, with work experience in the UK, South Africa and Australia.

He has consulted widely to owner-managed businesses across strategy, technology and operations. He co-founded Zagga in 2016.

Frank Hageali

Director, Investments

Frank has been involved in the finance and property industry for 25 years. Prior to his last bank role as Senior Associate Director/Acting State Director NSW for ANZ Bank’s Corporate Property Group, Frankheld senior and management positions in Corporate, Institutional and Property divisions in Australia’s major financial Institutions. Most recently he was Head of Credit at Secured Lending.

Steven Levy

Director, Investments

Steve has been a part of the core team since inception and comes with a high level of experience in portfolio management, investor relations and capital markets.

As a Chartered Accountant (CA ANZ), Steve is a key operator of the business and member of both the Investment and Credit Committees

Alan Greenstein

Alan has more than 30 years’ experience in banking and finance, following a short stint as a legal practitioner, with work experience in the UK, South Africa and Australia.

Alan Greenstein

CEO & Co-Founder

Learn more
Frank H

Frank has been involved in the finance and property industry for 25 years.

Frank Hageali

Director, Property & Risk

Learn more

Steve has been a part of the core team since inception and comes with a high level of experience in portfolio management, investor relations and capital markets.

Steven Levy

Director, Funding & Treasury

Learn more
Marcus Morrison

Marcus is the Co-Founder of Zagga NZ (formerly LendMe), which he started in 2014.

Marcus Morrison

Executive Director & Co-Founder

Learn more
Tom C

Mr Cranfield is an experienced company director, banker and property developer/investor.

Tom Cranfield

Director, Investment & Risk

Learn more
Erica Tsang

Erica is a senior marketing professional with over 20 years' experience in a diverse range of financial services’ roles.

Erica Tsang

Director, Marketing & Communications

Leanne Hui

Leanne brings over two decades of expertise to her role as a seasoned leader in customer service, operations, and technology within the financial services sector.

Leanne Hui

Director, Client Services & Administration

Simon Mutch

Simon is a qualified Chartered Accountant with 7 years’ experience working at PwC in financial services prior to joining Zagga.

Simon Mutch

Director, Finance, Compliance & IT

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Three steps to get started​

Register to start exploring the alternative investment
opportunities we offer

Get started today
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Register

Confirm your investment entities and status as a wholesale investor

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Investment Strategy

Choose between investing directly or via one of our Funds

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Invest

Earn regular income and be kept informed on your investments

Questions?
Look here.

Some types of alternative investments include real estate, private equity or venture capital, hedge funds, commodities, managed funds, art and antiquities, wine, and cryptocurrencies.

The future of alternative investments looks promising as investors continue to seek diversification, potentially higher returns, and lower correlation with traditional assets. As global economic conditions and financial markets become more volatile, alternative investments offer a hedge against inflation and economic downturns.

The rate of return on alternative investments varies depending on the type of investment and the specific investment strategy used. Some alternative investments can offer higher returns than traditional investments but also have higher risks.

Alternative investments are popular because they offer diversification benefits and potentially higher returns and provide a hedge against inflation and economic downturns.

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Client testimonials

Alex, Sydney
★★★★★
Zagga is my first exploration of the ‘alternative investment’ market. When reviewing the opportunity, I looked at the combination of the product offering, the integrity of the people in the business, and the capacity to execute, and I was happy to invest. Once I started to invest, the business’ thoroughness and due diligence was clear. When reviewing other investment opportunities, there tends to be a lot of hype, which I’m wary of. This is not the case with Zagga; you feel comfortable in what you’re doing. It surprises me the breakneck speed people try to get mortgages on the platform, there’s huge demand and interest for deals. You know your money is stable, and there’s a level of comfort with Zagga. I’ve got property, equity and this is my fixed income, interest producing component. My Zagga investments are in the order of 10% of my available investment portfolio. I like that the deals are relatively short-term for fixed income investments. You’re not locking your money away forever. I’ve recommended it to half a dozen people to invest in, including my family.
Derek, Sydney
★★★★★
Zagga is a true success story. I am really glad to be along on the journey with you and Zagga.

The absolute best part for me is the 0% loss.

A massive congrats to the whole Zagga team.
Robert, Sydney
★★★★★
Zagga offers efficiency, transparency and steady returns. My investments on the platform are property secured syndicated loans. During a time of uncertainty aggravated by Covid-19 Zagga provides stability.

I have confidence in Alan and the entire team. It’s important for me that it’s not just the online platform. At all times I have access to, and face-to-face contact with the individual team members. The team is trustworthy and reliable-essential criteria.
Martin, Sydney
★★★★★
I am very keen to build a long term relationship with Zagga.

Your service, quality of investment and returns are excellent and I couldn’t be a more satisfied partner. Please continue to include me in all offers.
George, Sydney
★★★★★
It has been a pleasure dealing with Zagga.
Seamless in every way.

A real professional investment company from the top down.
Never missing a payment and very transparent.

Do you have questions about investing through Zagga?​

Fill in your details to schedule a call back at a time that suits you.
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We would like to acknowledge the Traditional Custodians of the lands, seas, and communities in which we provide our services. We would also like to pay our respects to the Elders past, present and emerging, and the continuing cultural influence they have on Australia.

Zagga Market Pty Limited (Australian Credit Licence 490904) ACN 611 662 401 acts as the Servicer of loans acting on behalf of the credit provider, Zagga Investments Pty Limited (AFSL 492354) ACN 615 154 786, trustee of the Zagga Investments Lending Trust

Additional Disclaimer

All portfolio numbers quoted correct as at 1 July 2025.

*Average investor return across the active portfolio as at 1 July 2025.

**Target return is after expenses and any applicable management fees for the year ended 30 June 2025. OCR = Australian Reserve Bank Official Cash Rate.

Past performance is not a reliable indicator of future performance and investments are subject to investment risk, fees and costs. Returns are not guaranteed.

Prospective investors wishing to invest in a Zagga direct investment or a Zagga Fund should fully consider the Information Memorandum, ZFF Fact Sheet and/or ZWF Brochure, available from Zagga, before applying to invest. Investments are subject to risks.

Articles on this website have been prepared by Zagga Investments Pty Limited (AFSL 492354) ACN 615 154 786 (Zagga) for information purposes only. It doesn’t take into account your objectives, financial situation or needs, nor is it intended as a substitute for any accounting, tax or other professional advice, consultation or service. Nothing in this article shall be construed as a solicitation to buy or sell any financial product, or to engage in or refrain from engaging in any transaction.

Past performance should not be taken as an indication or guarantee of future performance and no representation or warranty, express or implied, is made regarding future performance. Economic conditions may change.

Any analysis provided in this article is based on information obtained from sources believed to be reliable but Zagga does not make any representation or warranty that it is accurate, complete or up to date. Zagga accepts no obligation to correct or update the information or opinions in it. Any opinions expressed in this article are of the author and is subject to change without notice. Readers are reminded to exercise caution and use their own judgment when interpreting and applying the information contained in this article No member of Zagga accepts any liability whatsoever for any direct, indirect, consequential or other loss arising from any use of such information.

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EXT - Alan G

Alan Greenstein

CEO & Founder
LinkedIn

Alan has more than 30 years’ experience in banking and finance, following a short stint as a legal practitioner, with work experience in the UK, South Africa and Australia.

His many and diverse roles include:

  • C-suite positions in two-listed banking groups in South Africa,
  • CEO of South Africa’s third largest private client wealth manager,
  • Director of a Superannuation Risk and Operations consultancy,
  • a consultant to Westpac,
  • MD of a ‘home loan over the phone’ business established for Real Insurance and Macquarie Bank.

He has consulted widely to owner-managed businesses across strategy, technology and operations. He co-founded Zagga in 2016.

  • Member
    • Zagga Investment Risk Committee
    • Zagga Credit Oversight Committee
    • Zagga Compliance Committee
  • Responsible Manager (AFSL / ACL)
EXT - Frank hageali

Frank Hageali

Director, Investments
LinkedIn

Frank oversees Credit. He has been involved in the finance and property industry for 25 years. He is a Certified Funds Manager, Property Valuer and a Fellow of the Australasian Institute of Banking & Finance and Governance Institute of Australia.

Prior to his last bank role as Senior Associate Director/Acting State Director NSW for ANZ Bank’s Corporate Property Group, Frank held senior and management positions in Corporate, Institutional and Property divisions in Australia’s major financial Institutions.

Frank has completed several development projects in his own right in various capacities including financier, developer, superintendent and advisor.

  • Member:
  • Zagga Credit Oversight Committee
  • Zagga ESG Committee
EXT - Steven Levy

Steven Levy

Director, Investments
LinkedIn

Steven comes with a high level of experience in portfolio and treasury management, investor relations and capital markets.

Prior to joining Zagga in early 2017 as part of the core team, Steven built his base in restructuring, which was not limited to but included consulting to other financiers who were managing their own distressed loans, as well as operating within a newly set up special situations private credit fund.

Steven is an accredited Chartered Accountant (ANZ), Justice of the Peace in NSW, and holds a Bachelor of Business degree.

Marcus Morrison

Marcus Morrison

Executive Director
LinkedIn

Marcus is the Co-Founder of Zagga NZ (formerly LendMe), which he started in 2014.

He is also the Co-Founder of Zagga and is Executive Director, working closely with the CEO, especially across strategy, governance and stakeholder relations.

He is an experienced management consultant and business leader who has spent much of his career working in the areas of organisational strategy, sales, marketing and people. Prior to his Zagga involvement, Marcus worked extensively in large banks and financial services businesses in the United States, United Kingdom, Europe and Africa.

He has a track record of driving commercial success across a range of industries, including banking and finance. He holds B.Sc (Hons) and B.A degrees from Victoria University.

External Tom Cranfield

Tom Cranfield

Director, Investments
LinkedIn

Tom is an experienced company director, banker and property developer/investor with ten years’ experience in investment for special situations and real property via both private credit and mainstream capital markets.

Previous roles include Relationship Credit Manager ANZ Corporate Property Group; Associate Director ANZ Singapore; and Associate Director Secured Lending, with work completed work for major Australian banks, fund managers, insolvency firms and private developers.

His career commenced with National Australia Bank after completing a Bachelor of Commerce degree.