Loans for the self-employed

RedZed backs people who back themselves with flexible loan solutions.

  • Simple process
  • Fast service
  • Fair decisions
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Our awards

The RedZed difference

We're proudly not a bank. We specialise in looking after small businesses and we have a long history of being able to provide finance solutions where the banks aren't willing or able to.

 

RedZed
Banks

Individual assessments by real people

 

Common-sense credit policy

 

Fast and fair processing

Flexible income verification options
 

Specialists in self-employed lending

✕  Automated credit assessments

✕  Rigid credit scoring

✕  Lengthy turnaround times

✕  Inflexible income verification policies
 

✕  Don't understand small business owners

   

 

 

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No hoops, hurdles or headaches

Clear and simple.

If you’re self-employed or a small business owner and you’re looking for a loan, welcome to RedZed. As a lender for self-employed Australians, we get small business.

Whether you're after a loan to buy or refinance a residential or commercial property, maximise your SMSF investment strategy, or want to pay off a tax debt, we're here to help.

Our process is clear and simple. Since 2006 we have loaned more than $9.7 billion to over 23,000 business owners. We’d love to help you too.

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Here's what they say about us

Our customers rate us 4.2 out of 5 on Google. Find out today how we can help you.

FAQs

Have a burning question about our self-employed loans? Check out our FAQ section.

RedZed specialises in providing loans to self-employed customers who generally find it harder to obtain finance through traditional banks. RedZed looks beyond your credit score, we listen to your individual situation and work on a solution that fits your circumstances. With our alternative income verification options, we can help service your financing needs.

 

There are more than 5000 mortgage brokers accredited to offer RedZed loans throughout Australia. Contact your broker to find out more about RedZed or you can contact us directly here.

We aim to provide you with conditional approval within 48 hours of submitting your application and endeavour to provide formal approval within 14 days, subject to valuation and outstanding requirements being provided. This timeframe can vary depending on how quickly you provide us with the information we need to make a decision. However, our team prides itself on its responsiveness and efficiency and aims to move the process along as quickly as possible.

At RedZed, we pride ourselves on our solutions-based approach to your lending needs, fair assessments, and fast approvals. We make accessing finance easier for customers who generally find it hard to secure loan approval from traditional banks. We offer alternative income verification options and take a holistic, common-sense approach to business and income. Our lending managers and accredited brokers are on hand to guide you every step of the way. Rather than a computer saying no, at RedZed, there are humans finding a way to say yes, from application to settlement.

RedZed doesn't have a standard rate that applies to all customers. Unlike banks, we don’t adopt a cookie-cutter approach to loans or allow applications to be assessed by automated systems. Humans assess every loan application we receive to make sure we offer the most appropriate interest rate for your individual circumstances.

 

The factors that impact the interest rate we can offer you include things like the income evidence provided, the amount you need to borrow compared to the value of the property you want to buy (referred to as loan-to-value ratio or LVR), your credit history, your repayment type (including principal and interest or interest only), the property type and location as well as the purpose of your loan. RedZed's expert lending managers can provide you with an indicative lending proposal outlining the interest rate before you complete an application.