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Investments in property with higher, secured returns.

Everbright had joined forces with innovative peer-to-peer lender Zagga, opening up the opportunity for clients to invest in property with regular interest payments.
Investing is simple, fast and secured. And you’ll always retain absolute choice and control over your investment preferences.

What is peer-to-peer lending?

Peer-to-peer lending is a lending arrangement that enables investors to fund borrowers via an online platform, without the involvement of traditional financial institutions like banks. Essentially, peer-to-peer lending provides a platform for investors and borrowers to do business.

Peer to peer lending is regulated and scrutinised by the same strict standards as traditional lenders. This is done by the Financial Marketers Authority (FMA) who are also responsible for issuing licenses.

Zagga is fully licensed and holds a Financial Service Provider license (FSP 393946) to provider peer to peer lending under the Financial Marketers Conduct Act (2013). Additionally, Zagga fully complies with the requirements of the Responsible Lending Code and applicable Anti-Money Laundering regulations.

Investing in Zagga is simple and transparent. I can choose the loans that suit my own risk appetite.

Who is Zagga?

Since 2015, the Zagga peer-to-peer platform has been enabling people to borrow money at competitive rates and with more flexible criteria than banks can offer, investors get access to new investment opportunities, receive attractive returns, regular monthly payments, investment security and the peace of mind that comes from knowing exactly where their money is invested.

Everbright works with Zagga to help customers fund their projects and thanks to the success for our clients, the partnership has now been extended into helping Everbright’s customers into peer-to-peer investments.

How it works for investors

Zagga provides a platform to seamlessly match the investment risk preferences of registered investors to the credit risk of approved borrowers. Match investors can access relevant loan information before committing to fund the loan.

Loans are secured by a first registered mortgage over the borrower’s property. The interest rate is determined using the Zagga Credit Assessment Score, by a combination of Zagga’s detailed credit assessment, the loan amount and value against the security property (LVR).

Zagga’s flexible lending criteria and ability to cater for larger loan sizes, means they can help more borrowers, while still offering strong, risk mitigated returns to investors.

Investment at a glance

funded
FUNDED

$500,000, Auckland

6.5% INVESTOR INTEREST RATE
C2
funded
FUNDED

$556,190, Auckland

7.15%
C4
funded
FUNDED

$56,000, Canterbury

6.5%
C1
funded
FUNDED

$150,000, Auckland

10%
B5
funded
FUNDED

$607,500, Auckland

7%
C3
funded
FUNDED

$537,600, Bay of Plenty

7.35%
B4
funded
FUNDED

$500,000, Auckland

6.5%
C4
funded
FUNDED

$663,880, Auckland

18%
D3
funded
FUNDED

$105,000, Auckland

8.1%
C3
funded
FUNDED

$900,000, Auckland

7.35%
B4
funded
FUNDED

$58,500, Northland

7.6%
C3
funded
FUNDED

$756,460, Waikato

7.15%
C4
funded
FUNDED

$232,125, Waikato

6.3%
C1
funded
FUNDED

$166,250, Nelson/Marlborough

7.75%
C2
funded
FUNDED

$590,000, Auckland

8.9%
C3
funded
FUNDED

$196,120, Auckland

7.64%
C4
funded
FUNDED

$271,740, Auckland

6.89%
C2
funded
FUNDED

$307,450, Auckland

6.95%
C1
funded
FUNDED

$130,000, West Coast

7%
D2
funded
FUNDED

$293,575, Auckland

7.25%
C3
funded
FUNDED

$933,500, Auckland

9%
C3
funded
FUNDED

$700,000, Auckland

8.9%
C3
funded
FUNDED

$193,400, Northland

8.64%
C3
funded
FUNDED

$1,650,000, Auckland

7.59%
C2
funded
FUNDED

$104,100, Otago

6.34%
C1
funded
FUNDED

$766,850, Auckland

7.4%
C3
funded
FUNDED

$768,000, Otago

10%
C4
funded
FUNDED

$455,000, Canterbury

8.1%
C4
funded
FUNDED

$176,550, Otago

7.59%
C4
funded
FUNDED

$118,745, Canterbury

8.49%
C5
funded
FUNDED

$418,000, Wellington/Manawatu

9.14%
C4
funded
FUNDED

$1,337,500, Waikato

8.15%
C3
funded
FUNDED

$200,118, Canterbury

8.49%
C5
funded
FUNDED

$331,050, Auckland

7.94%
C3
funded
FUNDED

$169,700, Canterbury

8.5%
C5
funded
FUNDED

$120,000, Canterbury

7.39%
B2
funded
FUNDED

$109,600, Wellington/Manawatu

9.3%
C2
funded
FUNDED

$62,650, West Coast

7%
C2
funded
FUNDED

$207,450, Auckland

7.44%
D2
funded
FUNDED

$104,500, Auckland

7.54%
C4
funded
FUNDED

$132,260, Canterbury

8.24%
C3
funded
FUNDED

$309,000, Auckland

9.5%
B5
funded
FUNDED

$466,550, Nelson/Marlborough

12%
D3

The investor process is simple

Investor

Join

  • create an account

Register

  • provide your details

Customise

  • confirm investor eligibility
    and complete investment profile

Review

  • notification of investment opportunity
  • log in and review loan information
  • choose to fund all or part of loan

Invest

  • investment amount confirmed
  • transfer funds