Privately owned non-bank lender founded in 2006 that lends only to the self-employed: home loans, commercial property loans and SMSF loans, all at variable rates and all secured by real estate, through its own lending managers and accredited brokers.
RedZed is a non-bank lender. It offers home loans and business loans.
We checked RedZed's products and eligibility on its own website on 30 September 2026.
What RedZed offers in each category, with the features, eligibility and trade-offs we note. For the current rate on each product, follow the link to RedZed’s own rate card.
RedZed offers home loans, commercial property loans and SMSF loans, and all of its loans have variable interest rates. Every RedZed loan must be secured by real estate. Its home loans go up to $5 million and can be used for purchases, refinances, debt consolidation or to access equity for personal or business use, including clearing a tax debt.
RedZed's commercial property loans lend up to 75% of a property's value, with loan terms of up to 30 years and no annual reviews, and it also offers short-term commercial loans for urgent needs. Its SMSF loans can be used to buy the commercial premises your business operates from, buy eligible commercial investment property, or refinance an existing SMSF loan.
RedZed does not offer personal loans, construction loans, or loans secured by assets such as a car, truck, caravan or boat.
RedZed lends only to the self-employed, including sole traders and small business owners, and says this includes borrowers without perfect credit histories. It will consider defaults and judgments, and says it has solutions for people with past bankruptcies. RedZed says its loan applications are assessed by people rather than automated credit scoring programs.
Borrowers can verify income with their latest individual and company tax returns and ATO Notice of Assessment, or with a self-certified income declaration. That declaration must be supported by an accountant's declaration, the two most recent BAS statements, or at least six months of business bank statements, with ATO portal information needed for the BAS and bank statement options. Most RedZed loans require at least 12 months in business, although RedZed says it has some options for businesses operating for a shorter time.
RedZed has no branches and works only through its head office lending managers and accredited broker partners. Borrowers can contact RedZed directly on 1300 722 462, through its enquiry form or with its Direct Lending team, or speak with a RedZed accredited broker. RedZed says more than 5,000 mortgage brokers are accredited to offer its loans.
RedZed aims to give conditional approval within 48 hours of an application and formal approval within 14 days, subject to valuation and any outstanding requirements. It says the process generally takes 3 to 4 weeks, and that delays can occur because valuers, accountants, conveyancers and others are involved.
RedZed was founded in 2006 and describes itself as a privately owned Australian company that is not owned by any banks or overseas entities. It says all of its more than 130 employees are based in Australia.
The redzed.com footer names RedZed Lending Solutions Pty Ltd (ABN 31 123 588 527), which holds Australian Credit Licence 311128. RedZed's credit guide says RedZed Lending Solutions is the founder and program manager of the RedZed Lending Solutions Program, and that loans made under the program are effected in the name of Perpetual Trustee Company Limited as credit provider.
Other lenders in our directory that offer home loans, business loans, starting with other non-bank lenders.
Yes. RedZed lends only to the self-employed, including sole traders and small business owners, through home loans, commercial property loans and SMSF loans. Most of its loans require at least 12 months in business, although it says it has some options for businesses operating for a shorter time.
RedZed accepts traditional income evidence, meaning your latest individual and company tax returns and ATO Notice of Assessment. It also accepts a self-certified income declaration supported by an accountant's declaration, the two most recent BAS statements, or at least six months of business bank statements. The BAS and bank statement options also need a copy of your individual and business ATO portal information.
Yes. RedZed says you can contact its team directly on 1300 722 462 or through its enquiry form, and its Direct Lending team offers consultations. You can also speak with a RedZed accredited broker, as RedZed works only through its head office lending managers and accredited broker partners.
No. RedZed does not offer unsecured loans such as personal loans, or loans secured by assets such as a car, truck, caravan or boat, which it says are often called asset finance or equipment finance. It says borrowers can instead use the equity in a home or commercial property to fund these purchases through a RedZed residential or commercial loan.
RedZed says it will consider defaults and judgments, and takes time to understand the reasons behind them rather than automatically rejecting credit-impaired borrowers. It assesses your current ability to repay the loan, and says it has solutions for people with past bankruptcies.
No. RedZed is a non-bank lender: it is not on APRA’s register of authorised deposit-taking institutions (ADIs), the list of banks, building societies and credit unions licensed under the Banking Act 1959. Its Australian Credit Licence is 311128, held by RedZed Lending Solutions Pty Ltd, and lending to consumers under a credit licence is regulated by ASIC under the National Consumer Credit Protection Act 2009.
Not as a dedicated car loan: RedZed’s website did not list one when we checked it on 30 September 2026. Our car loan comparison lists the lenders that do.
RedZed Lending Solutions Pty Ltd holds Australian Credit Licence 311128. You can check a licence on ASIC’s Professional Registers before you apply.