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Investment rates and fees

Investment rates and fees

A new asset class for investors

The following rates are for registered investors only and may change at any time.

Please see the table below to view the indicative investment returns from our secured loans. All returns are calculated net of Loan Management Fees payable to Zagga by the investor. These fees are deducted by us from the borrower's loan repayments.

Indicative investor returns – net of management fee
(effective 1 September 2016)

The following returns for investors are indicative only and may change at any time.

  A B C D E F
1 5.44% 5.74% 6.34% 7.19% 8.49% 10.19%
2 5.69% 6.09% 6.79% 7.69% 9.09% 10.94%
3 5.94% 6.44% 7.24% 8.19% 9.69% 11.69%
4 5.99% 6.59% 7.54% 8.49% 10.09% 12.24%
5 5.99% 6.74% 7.79% 8.79% 10.44% 12.79%

All rates are expressed as nominal annual percentage (%) rates. Rates can be impacted by actual loan terms and conditions on a case by case basis.

Loan management fees (effective 1 September 2016)

Rates are calculated on a per annum basis and deducted monthly from repayments.

  A B C D E F
1 0.90% 1.10% 1.20% 1.25% 1.45% 1.55%
2 0.90% 1.10% 1.20% 1.25% 1.45% 1.55%
3 0.90% 1.10% 1.20% 1.25% 1.45% 1.55%
4 1.10% 1.30% 1.35% 1.45% 1.65% 1.75%
5 1.35% 1.50% 1.55% 1.65% 1.90% 1.95%

Loan Management Fees are expressed as a nominal annual percentage (%) rate.

Risk

Please note that all investments carry some degree of risk, and generally higher rates of return are associated with higher risk of loss of capital invested or investment returns.

Zagga acknowledges the risks of investing and has put in place a number of checks and controls to minimise investors’ exposure to risk. This includes the rigorous screening of borrowers, including their credit history, to determine ability to service debt. We also proactively manage loans and take immediate action if a borrower fails to meet their repayment obligations. We further reduce risk by securing all loans over assets, typically first mortgages over property.