Looking to buy property using your SMSF?

Want to invest in property using your SMSF, but don’t have enough money in your fund to buy a property outright? An SMSF loan could be the answer to supercharging your retirement investment strategy.

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

SMSF loans for the self-investors

Qualifying for a loan when you’re self-employed can be difficult, especially when you also want to borrow using your self-managed super fund. That’s why we have tailored our SMSF loan products to cater to you, the self-investor! We have solutions for members making regular superannuation contributions to their funds, but also for those that don’t, or that are looking to make additional contributions to make their retirement investment goals come true. If you’re self-employed with traditional income verification, or alternative income verification (Alt-Doc), we have solutions for you.


Finance a residential or commercial property purchase using one of our flexible SMSF loan options.


Refinance your SMSF loan and secure a competitive rate (debt for debt refinance only).


Boost your retirement income with help from our SMSF loan solutions and build a brighter future.

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.