Our Lending Philosophy

We work with each client to achieve a bespoke solution.

How We Lend

Each loan we fund is typically secured by a registered mortgage against quality property assets with a recent valuation.

These loans are
further supported by:

Detailed due diligence in relation to the experience, financial position and reputation of the borrower and sponsor

A clear and achievable ‘exit strategy’, typically including at least two or three alternative exits

We will consider the following real property asset types:

Australian capital cities as well as in regional areas within 100 kilometres of capital cities. No exposure in Northern Territory or Western Australia

Secured property values generally in the $10 million to $100 million range, where buyer and refinance liquidity is relatively deep

Non-specialised property assets including land with residential use, completed apartments, generic commercial property and construction loans.

We understand that every property transaction is different

We are committed to building
lasting relationships and providing tailored solutions
which turn our partners’ visions into reality.

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Risk based interest rates

We don’t believe in one size fits all and we don’t believe in all borrowers paying the same rate. Because of this, interest rates differ from borrower to borrower, and loan to loan. We consider the competence, experience and reputation of the borrower, and the underlying sponsor, just as carefully as we do the value of the primary security asset.

Do you have questions about borrowing through Zagga?

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