Loans for the

Since 2006 RedZed have been on a journey to help over 2 million self-employed Aussies.

Catering for a range of situations

We understand that being self employed is different and can be difficult. We understand that you are trying to build something special, something about which you are passionate. You don’t just clock in at 9am and clock out at 5pm. Sometimes you have to skip lunch (maybe even dinner) to get the job done.

RedZed started out as a small business and we have experienced all the good and the bad that comes with this badge of honour. The challenges of being self employed is something we think about day in day out.

We are proud to say that along our journey we have helped over 20,000 customers lending over $7 Billion. We currently manage in excess of $3 Billion, most of which has been used to help self employed Australians strive to achieve their ambitions. Whilst we are still on our journey to be the preferred lender to Australia’s self employed, we want to assist you on your journey.

Loan Requirements

RedZed specialize in secured loans for self employed borrowers. We offer the following loan options:

Residential loans to a maximum of 85% of the value of the security property and a maximum loan amount of $1.75Million

Commercial loans up to a maximum of 70% of the value of the security property and a maximum loan amount of $3Million

To be eligible for a RedZed loan, you need to have the following:

15% equity for Residential Loans
30% equity for Commercial Loans
A suitable property to offer as security for your loan
A good credit profile
A good income

Let’s talk

You can

Call us on 1300 722 462

Email us here

Make an enquiry today


We’ve made it easy for you to get up to speed on loan advice, accreditation and more.

How do I get a loan if I’m self-employed?
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RedZed specialises in providing alternative lending solutions to self-employed customers that generally find it hard to obtain loans through the traditional banking systems. RedZed look beyond your credit score, we listen to your individual situation and work on a solution that fits your circumstances. With our alternative document options, we can help you pursue your financing needs.

What self-employed income documents are accepted?
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RedZed is a flexible solutions-based lender. We accept full financial documentation such as your latest tax returns and/or your latest two payslips. We also accept Alternative Documentation (Alt Doc) where you provide your income via an income declaration form, then include income evidence in the form of Business Account Statements (BAS) or an Accountant’s Declaration.

How much deposit do I need?
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RedZed can lend up to 80% of the market value of the property. This means you would need a minimum of a 20% deposit + stamp duty (if applicable). RedZed calculate your borrowing capacity based on factors including your total income, expenses, current credit exposure and your credit history (not score).

What are RedZed's interest rates?
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RedZed will look to provide its applicable interest rate based on your circumstances. The interest rate will vary depending on your individual situation. This includes the income evidence provided, loan amount you need to borrow, property value (Loan-to-Value ratio), your credit history, repayment type (including principal and interest or interest only) and the purpose of your loan. RedZed’s expert Lending Managers can provide you an indicative lending proposal outlining the interest rate before you complete an application.

What are the fees and charges?
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While government fees (eg, Stamp duty) apply to all RedZed loans, our fees and charges vary depending on the loan and circumstances. Our expert Lending Managers will do their best to find a solution for you to achieve the best possible combination of loan, rate and fees and charges. A summary of residential fees can be found here. If you would like to be put in touch with an accredited RedZed mortgage partner you can contact RedZed here or call us on 1300 722 462.

How long will the application process take?
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We aim to provide you with a conditional approval within 48 hours of application submission, and endeavour to provide formal approval within 14 days subject to valuation and outstanding requirements being provided.

How is RedZed different from other lenders?
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At RedZed we pride ourselves on our solutions-based approach to your lending needs, our fair assessments, and fast approvals. We at RedZed specialise in providing lending alternatives to customers that generally find it hard to obtain loans through the traditional banking systems. Our Lending Managers are with you every step of the way. When you speak with RedZed you are speaking with people, not a machine, and we take care of you from application to settlement.


What would you like to do?

Borrowing Power
Borrowing Power
Loan Repayment
Extra Loan Repayment
Loan Comparison
Budget Planner
How Long to Repay?
Stamp Duty
Property Selling Cost
Property Buying Cost
Mortgage Arrears

Redraw & Direct Debit

Want to access your redraw?
Log on to your RedZed Connect to access available redraw on your loan.
You can do so directly in your RedZed Connect account or downloading a redraw form and returning to us.
If you do not have access to RedZed Connect our Client Services team are happy to assist you through the registration process.
Contact the team on 1300 722 462 or at


Looking to change your direct debit account?
Call our Client Services team on 1300 722 462 team to request the Change of Direct Debit form or email us at

RedZed is a responsible lender

RedZed is committed to responsible lending.

It is important to us that that all the individuals and businesses that are accredited to sell our mortgage products proactively conduct their business in an ethical and responsible manner. The steps that we take to ensure that we comply with our Responsible Lending Guidelines include:

We lend only what our customers can afford to repay. This involves that our credit staff only approve loans that are not unsuitable to the customer by adhering to our lending guidelines which includes our assessment of an applicant’s capacity to repay a loan without incurring substantial hardship.

Independent Advice

Taking out a home loan is one of the most important financial decisions that you can make. For this reason we strongly encourage all borrowers to obtain independent information and advice as part of the process for making your decision. ASIC have developed a website that provides a lot of valuable information. We recommend that you have a look at the various tools available on

Industry Memberships & Licences

RedZed Lending Solutions is an accredited member of the Mortgage & Finance Association of Australia (MFAA) and the Australian Financial Complaints Authority (AFCA). Our Australian Credit Licence number is 311128.

Internal Dispute Resolution Process

At RedZed we are committed to trying to resolve any issues that you may have as soon and as simply as possible. You can
download a copy of our Internal Dispute Resolution process here.

If you are an existing RedZed customer and you are facing financial difficulties, please contact us directly on 1300 722 462. We can talk about your specific circumstance and what we might be able to do to assist you. If you have an issue please feel free to contact us on 1300 722 462 or email us here.

RedZed does have an External Dispute Resolution process. RedZed is a member of the Australian Financial Complaints Authority (AFCA) which is our independent external dispute resolution process.   If a dispute has not been resolved to your satisfaction you can lodge a complaint with AFCA.  AFCA’s contact details are as follows:-

Phone: 1800 931 678
Mail: Australian Financial Complaints Authority, GPO Box 3, Melbourne, VIC 3001