Loans for the

RedZed has been liberating the ambitions of self-employed Aussies since 2006. We offer flexible finance solutions to sole traders and small business owners, and we keep the loan process simple, fast and fair.

Backing those who back themselves

Starting out as a small business ourselves, we understand the highs and lows of the self-employed journey. The long hours, the sleepless nights, the unexpected curve balls and the exhilarating milestones that make it all worth it. We know that the self-employed pathway isn’t always a straightforward one, which is why we’re passionate about supporting and empowering those who have the courage and ambition to build and grow something of their own.

Throughout our 17-year history, we have loaned over $7 billion to more than 20,000 self-employed Australians. We are incredibly proud to support a segment of the community that has been historically underserviced by traditional banking institutions, and we remain committed to helping our self-employed customers achieve their personal and business goals.

Loan types

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

Residential loans up to a maximum of 85% of the security property’s value

Commercial loans up to a maximum of 75% of the security property’s value

Self-managed super fund (SMSF) loans up to 80% LVR for residential and up to 75% for commercial.

At RedZed, we take a holistic, common-sense approach to business and income. We accept alternative forms of income verification for our residential, commercial and SMSF loans, our loan applications are assessed by real people, and we don’t credit score.

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
BAS Guide

Redraw & Direct Debit

Want to request a redraw?
You can submit a redraw request through your RedZed Connect account. Log in to RedZed Connect via the web or our mobile app, select the loan you want to redraw from, then click ‘Redraw’ and follow the prompts.

If you have any questions or would like further assistance, contact our Client Services team on 1300 722 462 or e-mail us at


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