About Zagga

The Zagga marketplace enables people to borrow money at transparent rates and with more flexible criteria than those offered through traditional borrowing channels. We can help more borrowers get access to finance by offering secure, mortgage-backed loans for a wide range of loan purposes.

Our marketplace also offers a risk-managed investment opportunity for investors who are looking to diversify their investment portfolio within Australia, and potentially increase returns, without a direct increase in risk.

As an investor, you'll get access to investment opportunities by way of funding loans to creditworthy borrowers through a trust structure. All loans are secured by real property and you will receive attractive, regular returns, subject to the terms of the investment, whilst retaining absolute control over the types of loans you're prepared to fund, at all times.

Investors make their own decisions every step of the way; you determine the borrower credit score, loan types and level of risk and return to which you are willing to be exposed, for each investment. Each loan you invest in is secured by a registered mortgage over real property.

Additionally, each loan will be housed in a trust structure, thereby protecting investors in each loan against any activities in another loan. 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.

We are proud to be Australia's first fully accredited, mortgage-secured marketplace lender and we go to great lengths to maintain and protect our reputation. We uphold the highest level of compliance in all our processes, have robust systems in place and conduct rigorous credit assessments on all loan applicants.

Unlike other marketplace lenders, we provide an algorithmic matching of the loan's risk grade, type, purpose and security location, with an investor's risk appetite and stated preferences. Once a loan is approved by our experienced credit team, funding is guaranteed and settlement can happen in as little as three business days. There is no need for a borrower to wait around for a loan to be auctioned (funded) which can take weeks or even months!