Offer for Investors:
Investors can access private debt opportunities — traditionally the preserve of banks — secured by registered first mortgages over New Zealand real estate. Each loan listing displays the investor return, loan amount, and property location, allowing investors to select opportunities that match their risk appetite and yield objectives. Returns of 6–8% p.a. are paid monthly for the duration of the loan term, with investments starting from NZD $1,000 up to the full loan amount. A secondary market provides an additional exit option before loan maturity.
Offer for Fundraisers (Borrowers):
- Lending available for property purchase, refinance, renovation, and bridging finance; residential and commercial construction and development; and business cashflow and working capital finance.
- Transaction-specific, risk-based lending rates with transparent pricing and flexible, bespoke terms.
- Advanced development finance available, including land-bank finance, site acquisition, progressively drawn construction finance, equity release, and refinancing of residual development stock.
- Applications can be submitted via a dedicated adviser portal, with a focus on building long-term relationships with mortgage advisers and brokers.
- Fast response process — the platform commits to giving a quick decision, including a prompt decline if the loan does not meet its criteria.
Both retail and wholesale investors appear to be accepted.
Platform is focused on New Zealand investors.
For investors: loan management fees range between 1.3% and 1.65%, deducted from the borrower’s interest rate before the net investor return is calculated.
Zagga offers to invest in various crowdfunding opportunities from the Real estate, Mortgages sector.
At Zagga, you can start investing with NZ$1,000.
The investment models Zagga operates is Debt, P2P lending.
