RedZed home loans come from a Melbourne-based non-bank lender established in 2006 with a focus on self-employed borrowers and small business owners. RedZed offers residential, commercial and SMSF loans with alternative income verification options for borrowers whose circumstances fall outside standard bank criteria.
This page is a factual profile to help borrowers understand who RedZed is and where its home loans may fit. However, it is not a recommendation, and it does not rate or rank the lender.
RedZed at a Glance
| Item | Detail |
|---|---|
| Lender type | Non-bank lender (not an authorised deposit-taking institution) |
| Founded or established | 2006 |
| Headquarters (city) | Melbourne |
| Regulated by | ASIC (RedZed Lending Solutions Pty Ltd holds Australian Credit Licence 311128) |
| Listed on the ASX | No |
| Home loans for | Self-employed borrowers and small business owners, including owner-occupiers, investors and SMSF trustees |
Ownership and History of RedZed
RedZed began in 2006 with the stated aim of becoming the preferred lender to Australia’s self-employed. Its head office is in Bourke Street, Melbourne, while its lending is available across Australia.
RedZed Lending Solutions Pty Ltd operates the lender and also holds Australian Credit Licence 311128. RedZed does not trade on the ASX.
RedZed funds its lending through residential mortgage-backed securities and other wholesale funding rather than customer deposits. In fact, it has been a regular issuer in the Australian securitisation market.
Over the years since 2006, RedZed has broadened from residential loans into commercial property loans, asset finance and, more recently, SMSF loans for self-employed borrowers.
Sources for this section include the RedZed website and The Adviser.
Where RedZed Home Loans May Suit
RedZed is unusual because its whole business centres on self-employed borrowers. Based on the lender’s own material and independent industry coverage, RedZed home loans may suit:
- Self-employed borrowers and small business owners who need alternative income verification, such as business bank statements, BAS or an accountant’s declaration, in some circumstances and subject to lender criteria.
- Business owners whose most recent tax returns are not yet complete or do not reflect current trading.
- Self-employed borrowers buying or refinancing an owner-occupied home or an investment property.
- Business owners wanting to buy the commercial premises they operate from.
- Self-employed SMSF trustees who want an SMSF loan with alternative documentation options, subject to eligibility and current superannuation borrowing rules.
Home Loan Types RedZed Offers
RedZed’s lending centres on self-employed borrowers. Verified loan types include:
- Owner-occupied home loans for self-employed borrowers
- Investment property loans
- Alt doc home loans with alternative income verification
- SMSF loans (residential and commercial)
- Commercial property loans
- Asset finance (outside the home loan range)
Getting a RedZed Home Loan Through Ingram Financial
Of course, every lender has its own policies, processes and quirks, and they change often. Rather than working through them on your own, let Ingram Financial help you navigate the maze and compare RedZed with the other lenders on our panel.
Shannon Ingram, our principal broker, compares RedZed with the rest of the panel and then explains where each option fits your situation. We work with clients across the Sutherland Shire from Bangor, NSW, as well as with clients across Australia by phone and video.
In the meantime, to see current RedZed products, use the lender filter in our comparison tool. Then contact us or book a free chat to talk through your options.
RedZed Home Loan FAQs
No. RedZed is a non-bank lender, so it does not hold a banking licence or take deposits. Instead, it funds its loans through wholesale funding and residential mortgage-backed securities.
RedZed started in 2006 with the aim of lending to Australia’s self-employed. As a result, its residential, commercial and SMSF loans centre on self-employed borrowers and small business owners.
Yes. RedZed offers alternative documentation options so self-employed borrowers can verify income without full tax returns in some circumstances, subject to eligibility and lender criteria.
Yes. RedZed works with mortgage brokers across Australia, and it is also one of the lenders on the Ingram Financial panel.
Ingram Financial has no ownership ties to RedZed. RedZed is simply one of the lenders on our panel. We checked the lender information on this page in September 2026. However, it may change, and the lender sets product availability, policies and eligibility criteria.
The information on this page is general in nature and does not take into account your objectives, financial situation or needs. Lending criteria, fees and charges apply. Consider whether it is appropriate for you and speak to us for advice specific to your situation.