Management fees and returns

Borrower interest - management fee = net investor return.

Net investor return, as advertised on each investment, is what will be paid directly to investors, after management fees have been deducted from the repayment proceedings.

Indicative investor returns 

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

  A B C D E F
1 4.15% 4.45% 5.05% 5.90% 7.20% 8.90%
2 4.40% 4.80% 5.50% 6.40% 7.80% 9.65%
3 4.65% 5.15% 5.95% 6.90% 8.40% 10.40%
4 4.70% 5.30% 6.25% 7.20% 8.80% 10.95%
5 4.70 5.45% 6.50% 7.50% 9.15% 11.50%
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 

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.

Average NZ Investment Return

-as of 24/09/2020

Term DepositCash FundsGovernment BondsZagga
1.15 ~ 1.5%0.1~ 1%0.17.55%

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.

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