Our awards
Major Partner of Melbourne Storm
We cut queues not corners
Running your own business rarely fits a neat bank box. That’s why we exist. We get the quirks, the ups, the downs and the hats you wear, so you can get the answers you need.
$12 billion
28,500
18
Ready to crunch the numbers?
Discover how much you could borrow in just a few clicks with our calculators.
No hoops, hurdles or headaches
Your shortcut to a straight answer.
Because we just do loans for the self-employed, we get the side hustles, the quiet patches and the busy seasons. We’ll look at your whole picture and give you a fair call. You back yourself. We back you.
Whether you're after a loan to buy or refinance a residential or commercial property, maximise your SMSF investment strategy, or want to pay off a tax debt, we're here to help.
Our process is clear and simple. Since 2006 we have loaned more than $10 billion to over 25,000 business owners. We’d love to help you too.
Don't just take our word for it
Read our reviews, straight from customers' mouths (well, keyboards). When they're happy, we're happy!
"All big banks I spoke to were nothing compared to RedZed and Tony himself!"
"Cannot recommend Tony highly enough! Like their ad says... lending for the self-employed. Would definitely recommend."
"RedZed are a good fit for us being self-employed."
"We have struggled in the past to obtain approval through the banks for various types of loans from principal place of residence to investment loans. RedZed have pulled me out of some seriously tight spots in the past which I’m forever grateful for."
"My experience with RedZed has been incredibly positive."
"Unlike the banks they are ready to consider your individual situation when securing a mortgage. Customer service is friendly and efficient and has enabled us to adjust our mortgage to changing rates."
Here's what they say about us
Our customers rate us 4.2 out of 5 on Google. Find out today how we can help you.
We're in your corner
Take a look at the customer scenarios below to understand how our services work in real-life situations. We have a variety of loans that suit small business owners, and the self-employed. Because we get your hustle, and your business.
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...
Need to refinance your commercial loan?
Kylie owns a bookkeeping business and the interest-only period of her commercial loan is about to expire. She is facing the prospect of having to switch to a principal and interest loan with her current bank. Fortunately, Kylie's broker knows that RedZed has a better solution.
Looking to purchase the premises your business is leasing?
Tara runs a wholesaling business and wants to purchase the warehouse her business has been leasing using her SMSF. Her tax returns aren't finalised, however this isn't a deal breaker for RedZed, as we have other ways of verifying income.
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.
FAQs
Have a burning question about our self-employed loans? Check out our FAQ section.
RedZed specialises in providing loans to self-employed customers who generally find it harder to obtain finance through traditional banks. RedZed looks beyond your credit score, we listen to your individual situation and work on a solution that fits your circumstances. With our alternative income verification options, we can help service your financing needs.
There are more than 5000 mortgage brokers accredited to offer RedZed loans throughout Australia. Contact your broker to find out more about RedZed or you can contact us directly here.
We aim to provide you with conditional approval within 48 hours of submitting your application and endeavour to provide formal approval within 14 days, subject to valuation and outstanding requirements being provided. This timeframe can vary depending on how quickly you provide us with the information we need to make a decision. However, our team prides itself on its responsiveness and efficiency and aims to move the process along as quickly as possible.
At RedZed, we pride ourselves on our solutions-based approach to your lending needs, fair assessments, and fast approvals. We make accessing finance easier for customers who generally find it hard to secure loan approval from traditional banks. We offer alternative income verification options and take a holistic, common-sense approach to business and income. Our lending managers and accredited brokers are on hand to guide you every step of the way. Rather than a computer saying no, at RedZed, there are humans finding a way to say yes, from application to settlement.
RedZed doesn't have a standard rate that applies to all customers. Unlike banks, we don’t adopt a cookie-cutter approach to loans or allow applications to be assessed by automated systems. Humans assess every loan application we receive to make sure we offer the most appropriate interest rate for your individual circumstances.
The factors that impact the interest rate we can offer you include things like the income evidence provided, the amount you need to borrow compared to the value of the property you want to buy (referred to as loan-to-value ratio or LVR), your credit history, your repayment type (including principal and interest or interest only), the property type and location as well as the purpose of your loan. RedZed's expert lending managers can provide you with an indicative lending proposal outlining the interest rate before you complete an application.
Get the lowdown
What the future holds for customers who choose RedZed
If you work for yourself, you deserve a loan that works for you.
RedZed is sharing the love and providing more options to self-employed Australians