Self-employed and ready to refinance?

You’ve come to the right place.

Enquire today

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

Fast track your finance goals

RedZed specialises in loans for the self-employed, providing residential and commercial finance solutions to sole traders and small business owners.

We also specialise in refinancing – that is, we can help you swap your existing loan for a new one.

Why consider refinancing?

• You might be able to secure a more competitive interest rate, leading to lower repayments and maximising your savings over the life of your loan.
• You may want to access different or additional loan features that suit your current needs.
• Refinancing gives you the opportunity to roll multiple debts into one new loan, simplifying your repayments and minimising fees, charges and paperwork.
• Cash out refinancing allows you to access the equity in your home so that you can use the funds for another purpose.

Keen to grow your business, consolidate debt or improve cash flow? Refinance the fast, fair and simple way, with RedZed.

Refinance with RedZed


Refinance your loans or private debts and simplify your repayments.

Debt consolidation

Consolidate business, personal or ATO debts to assist with cashflow.


Fund a residential or commercial property purchase using one of our flexible alt doc loan options.

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 and the 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.


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.