SMSF Residential Property update
From August 10 2026, new limited recourse borrowing arrangements (LRBAs) can no longer purchase residential property, using their SMSF. This change doesn’t impact existing LRBAs or contracts of sale exchanged before 10 August 2026, even if settlement takes place after the ban.
Want to workshop a scenario?
Reach out to your local RedZed BDM - they'd love to hear from you.
RedZed’s home loans for small business owners
Our residential products include full doc and alt doc income verification options, and can be used for purchases, refinances, equity release and paying out tax debt.
No financials, no problem!
We have alternative income verification options (alt doc) including accountant declarations, BAS or business bank statements.
Products based on borrower's risk profile
Product pricing is based on credit impairment, repayment and income types, LVR, and type and location of the security.
Flexible loan purposes
Our residential products can be used for purchases, refinances, debt consolidation or to access equity (cash out) for personal or business use.
Common-sense approach
If your client has current or past credit issues, we take the time to understand why, and assess their current ability to repay the loan.
6.87%
p.a.
variable rate*
7.24%
p.a.
comparison rate^
6.87%
p.a.
variable rate*
7.24%
p.a.
comparison rate^
Want more details about our rates?
Head to the resources page to access our full Product & Rate Guide.
Self-employed scenarios
Have a client scenario you can't quite place? Take a look at our residential scenarios to see if we can provide the solution you've been looking for.
Client looking to pay out tax debt?
Nicholas has been running a landscaping business for over 10 years. He wants to use the equity in his home to pay out a tax debt but his current lender won't allow it. Find out how RedZed approached the situation.
Is a recent ABN causing your client headaches?
Six months into running her own art shop and gallery, Jasmine wants to purchase a large shipment of stock in advance using the equity in her home (cash out). Jasmine's current bank rejects her request due to her recent ABN.
Client looking 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...
Does your client have investment property aspirations?
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.