Alt-doc Loans

We’re focused on assisting over 2 million self-employed Australians with their residential and commercial mortgages

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Please note: RedZed only offers loans secured by residential and commercial property

A flexible approach to benefit you

RedZed offers a range of financial solutions made simple for self-employed borrowers. We understand that business owners can be time poor or have urgent borrowing needs, therefore our expert Lending Managers will be with you every step of the way.


Flexible structures to assist with home, investment or commercial purchases


Restructure loans or private debts to consolidate and simplify repayments

Debt consolidation

Business, personal or ATO debts can be consolidated to assist with cashflow

Cash out

Release equity for business purposes, to purchase property or to make home improvements

Simple process, fair assessment and fast approval

We strive to take the complexity out of self-employed lending, offering flexible loan options catered towards business owners, whilst understanding income can be verified in multiple ways and treating each application individually.

Income verification options

  • Accountant declaration
  • BAS
  • Transaction statements

No credit scoring

  • Reasonable and fair assessment of credit history
  • Solutions based focus

Swift credit approvals

  • 48 hour credit decision process*
  • 14 days for formal approval*


Unlimited cash out for business purposes

  • Expand your business
  • Every case considered individually

Forms of credit impairment accepted

  • ATO debt payout
  • Some defaults accepted
  • Ex-bankruptcy
    discharged > 2 years

Company and trust applicants considered

  • Eligible on all products

Need to speak to a Lending Manager today?

Why RedZed

17 years strong

Founded in 2006, RedZed has been supporting the Aussie self-employed market for 17 years.

We support potential

Our products are designed to assist the self-employed meet their personal and business aspirations.

Backing self-believers

Major partner of the Melbourne Storm, Principal partner of the Hobart Hurricanes and North Melbourne Football Club.

Giving back

Focused on the ESG mission, as well as supporting Lighthouse Foundation and Opportunity International.

For the self-believers

RedZed has backed the self-employed since 2006 through a simple application process, fair assessment and fast approval. As experts in self-employed, we provide a range of solutions to those who don’t fit the traditional lending criteria.


Here are some FAQs about applying for a self-employed loan with RedZed.
To see the full FAQs, click here.

How do I get a loan if I'm self-employed

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?

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?

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?

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?

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?

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?

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.

RedZed is a responsible lender

Accredited industry memberships and licences

RedZed Lending Solution 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.