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We get small business
We're proud to provide home loans to the self-employed, sole traders and small business owners, including those who don't have perfect credit histories. We can even help you access the equity in your property for personal or business use, or to pay out tax debt.
No financials, no problem
We have alternative income verification options including accountant declarations, BAS or business bank statements.
Flexible loan purposes
Our self-employed home loans can be used for purchases, refinances, debt consolidation or to access equity (cash out) for personal or business use.
Tax debt solutions
We can help you access the equity in your property to clear or reduce a tax liability.
Common-sense approach
If you have current or past credit issues, we take the time to understand why, and assess your current ability to repay the loan.
Run the numbers with our calculators
Need to work out your borrowing capacity, loan repayments or refinancing savings? You can count on us.
Our residential rates
Interest rates are correct as of 23/10/2024 and subject to change at any time. Rates depend on your individual circumstances, including LVR, loan amount and type of security. Residential refers to the security property type. Examples include, but are not limited to - residential house, apartment, townhouse etc.
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1 Based on a residential SE Prime Principal and Interest loan with an LVR of 50% or less and a loan size between $100,000 to $2.5M.
2 The comparison rate is based on a loan amount of $150,000, over a 25-year term. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
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Want examples? Say no more
The below scenarios highlight how we're able to provide loan solutions in a variety of different situations. Whether your credit history isn't perfect or your financials aren't up to date, we have options.
Due to pay out ATO debt?
Nicholas has been running a landscaping business for over 10 years. He wants to use the equity in his home to pay out a tax debt but his current lender won't allow it. Find out how RedZed approached the situation.
Have a recent ABN?
Six months into running her own art shop and gallery, Jasmine wants to purchase a large shipment of stock in advance using the equity in her home (cash out). Jasmine's current bank rejects her request due to her recent ABN.
Need to consolidate debt?
Matt runs a logistics business and wants to consolidate his business loans into his home loan and access cash out for working capital. His current lender won't budge, but luckily Matt's broker knows a lender who gives credit where credit's due...
Require equity release for investment?
Jessica owns an interior design business and wants to release $1m in equity to invest in shares and another investment property. However, she's finding it hard to obtain loan approval from her current bank because she hasn't completed her recent tax returns. Cue RedZed's common-sense approach.