Since 2006 RedZed have been on a journey to help Australia’s self employed community.

RedZed: Loans for Self-Employed Borrowers

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

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How do I get a loan if I’m self-employed?
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RedZed is a specialist lender that provides loans for self-employed borrowers. Because the big banks and other lenders tend to have very specific documentation requirements, it can be very difficult for self-employed borrowers to get a loan through these lenders. 

RedZed has different documentation requirements, also known as ‘Alt Doc’, which take into account each self-employed borrowers particular financial circumstances, including their income and assets.

Why should I apply for an Alt Doc loan?
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It’s common for self-employed to be unable to meet the documentation requirements of standard loans offered by the big banks and other lenders. This is because these loans primarily target PAYG workers, who are typically able to provide the documentation required. 

Self-employed borrowers have specific financial circumstances with specific documentation, which very often necessitates the need for an Alt Doc loan.


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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