Our investment philosophy as a
boutique investment manager

We will not compromise on credit quality!

How we invest

As a boutique investment manager we present risk-mitigated investment opportunities for our investors through facilitating the funding of high-quality loans.

These loans are originated, funded and managed via the Zagga platform and each loan comes with its own specific loan term, risk level and rate of return.

Investors who invest directly have their funds deployed into the specific opportunity in which they have selected, giving them a fractional participation in the loan.

Vaucluse, NSW | $11.8M | 61% LVR
Vaucluse, NSW | $11.8M | 61% LVR
Caulfield, NSW | $6.9M | 65% LVR
Caulfield, NSW | $6.9M | 65% LVR
Miranda, NSW | $5.9M | 60% LVR
Miranda, NSW | $5.9M | 60% LVR
Sutherland, NSW | $10.9M | 65% LVR
Sutherland, NSW | $10.9M | 65% LVR
Wynnum West, QLD | $5.7M | 65% LVR
Wynnum West, QLD | $5.7M | 65% LVR
Lindfield, NSW | $24M | 65% LVR
Lindfield, NSW | $24M | 65% LVR
Explore our funding showcase

Dedicated sub-trust structures​

Every loan is housed in a dedicated sub-trust structure which holds the security property on behalf of the specific investors in the loan. This structure is insolvency remote and prevents any co-mingling of loans or securities.

There is no cookie-cutter approach and we will not compromise on credit quality.

Each lending transaction undergoes rigorous credit assessment and due diligence.
Loan approvals are based on:

STRENGTH OF
THE BORROWER

While we put strong emphasis on the underlying security property, we ensure we are dealing with a quality Sponsor with a strong track record, and who also has the capacity to personally guarantee the loan should an enforcement situation materialise.

QUALITY OF THE TRANSACTION

We assess each loan both on its own specific merits and also within the overarching economic environment. The transaction needs to stack-up when considered in its entirety. We take great care to ensure the transaction we are funding meets all quality control requirements, has the best prospects of success, and is attractive to our investors.

SECURITY TYPE
AND LOCATION

We pay close attention to the nature of the security property, its location in proximity to major facilities and infrastructure, as well as relative values for similar security properties nearby.

Our lending due diligence will also take into account factors including, overall property market dynamics and market prospects.

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Client testimonials

Paul, Sydney
★★★★★
In my four years of investing with Zagga, there’s never been a problem. I don’t have any sleepless nights. You know exactly what your returns are going to be; they don’t dimmish. What you sign is what you get. Alternative investments like Zagga are an important addition to my investment strategy. I consider my Zagga investment part of my cash portfolio. The beauty of it is you get consistent, above market returns, and there’s flexibility in the offering. If you are looking for a long-term option, you can put your money into the fund, whereas if you know you’ll need your money in the next 6 to 12 months, you can look on the platform and find a deal that aligns with that need. It’s a bit like having a rental in a property, your rental payments are ongoing, the market can fluctuate, but that doesn’t impact your payments. With Zagga, you’re getting your returns/interest upfront, or ongoing, it’s not affected by unpredictable market events. Alan and the team’s due diligence on deals is outstanding. There is a lot of cover and security on the opportunities. I would recommend Zagga to others, and in fact I have done so many times before.
Charles, Sydney
★★★★★
I've been impressed with Zagga’s commercial real estate debt offerings, which have delivered excellent interest rates that outperform many other CRED companies.

They keep investors informed every step of the way, providing detailed updates on the performance of their investments and the underlying properties, and I can highly recommend them to anyone seeking consistent returns with minimal hassle.

The Zagga team ensures that interest payments are made on time and communicate regularly with information specific to my investment needs. They have a commitment to punctuality and have never missed a distribution or repayment.
Financial services firm, Double Bay, NSW
★★★★★
Thank you so much for…providing a solution to our clients. Your professionalism and customer care are greatly appreciated.

Highly impressed with the platform and I am certain you will be hearing from us again soon.
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.
Bill, Stamford Capital
★★★★★
Our role is to provide certainty for our clients and one of the ways to do that is to have good relationships with companies like Zagga…it takes years to build up that sort of trust and that sort of relationship.

I think Zagga is probably one of the top 3 lenders. Their track record of delivering and providing certainty is unparalleled.

Do you have questions about investing through Zagga?​

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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 31 January 2025.

*Average investor return across the active portfolio as at 31 January 2025.

**Target return is after expenses and any applicable management fees for the year ending 30 June 2024. 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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