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About Zagga


About Zagga

Who are we?

We are a fully-licensed, mortgage-secured marketplace lender holding both an Australian Credit Licence (Australian Credit Licence number 490904) and an Australian Financial Services Licence (Australian Financial Services Licence number 492354).

We share a technology platform, back office and administration team with Zagga, New Zealand; founded in 2015 by Edwin Morrison, Marcus Morrison and Mark Kirkland.

What we deliver

A new alternative to borrowing and investing

The Zagga marketplace

enables people to borrow money at transparent rates and with more flexible criteria than banks offer. 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.

Investor security

We are proud

to be a fully accredited and licensed, mortgage-secured marketplace lender and we go to great lengths to maintain and protect our reputation.

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.

Faster turnaround times with complete transparency, control and automation

Unlike other marketplace lenders,

we provide an algorithmic matching of borrower credit risk with an investor's risk appetite. There is no need for a borrower to wait around for a loan to be auctioned (funded) – this can take weeks or even months!