Home Loans & Finance Options For The Business Owner / Self-Employed.

RedCap Finance Brokers are Authorised Credit Representatives of EZFinance Pty Ltd & with EZFinance Commercial Pty Ltd

When you truly understand financial literacy (Financial literacy is the possession of the set of skills and knowledge that allows an individual to make informed and effective decisions with all of their financial resources) and how your money can work for you; then implement disciplined effective cashflow & money management principles with your money; you will then have what you need to master your personal and business money management. You can be set free to focus on the things that matter to you most - lifestyle enhancement, business growth, wealth creation, and/or charity.


Your needs and situation are like no one else’s - YOU NEED A BROKER WHO WILL GIVE YOU THE CUSTOMISED SOLUTION THAt is suitable for you.

A home loan deal that saves your neighbour money might not be the most appropriate deal for you. That’s why the experience of our lending specialists really make a difference.  

An EZ Finance Lending specialist will identify your specific borrowing requirements, then use our Finance software platform to compare hundreds of home loans against those requirements. An hour invested with an EZ Finance Lending specialist could save you thousands of $$ in the long run. From the moment you choose a mortgage, your EZ Finance Lending specialist will walk you through the entire home loan process, from application, to settlement, and beyond. They’ll also show you where to sign and explain exactly what you’re signing.  

When you work out which is the best loan options for your situation, all you need then is to find the right bank or Lender which has the best interest rate, lowest fees, convenient locations with perhaps internet access! 

The list goes on and on; but that is where EZ Finance can help you through the maze, - quickly and "EZ".  

Home Loans for the Self Employed A significant percentage of the Australian economy is driven by small businesses and self-employed individuals, but these potential home buyers can face unique challenges when wishing to qualify for a self-employed mortgage.  

We have support and solutions available for almost every situation, including:  

  • Short term ABN Registration (3 months minimum) 1 day GST registration available Accountants declaration as evidence of income
  • Complex borrowing structures
  • Funding up to 90% LVR Defaults and arrears considered Equity release available for business purposes Debt consolidation
  • Pay-out of ATO Debt
Get a Better Home Loan Deal Here



Securing finance for your new car through the dealership is easy. Produce your driver’s license and a few other documents and, before you know it, you’re behind the wheel of your new car.  

But not so fast.  

Most of us don’t have a spare $20, $30, or $50,000 lying around to spend on our new car, so we need to get finance. 


to prevent a severe case of buyer’s remorse; we take a closer look at the reasons why you should arrive at the dealership/caryard with pre-arranged finance with your broker.  

Loans for Overseas Buyers  

There are outstanding opportunities for property investment in Australia, whether you are an overseas citizen or an Australian citizen living and working overseas. If you are looking to purchase property in Australia as a non-resident, we can demonstrate a range of options that meet your requirements. Our team and our partners have a strong record of providing finance and assistance to overseas residential property buyers and investors. Thanks to our strong network and direct access to an extensive range of lenders, we always finds solutions, where often traditional lenders such as banks and mortgage lenders are simply not geared to help.  

Residential property buying in Australia from overseas?  

  • Your borrowings can be up to 70% of the purchase price of a new property in Australia
  • If you want to refinance an investment property you are eligible to borrow up to 70%
  • Even though you are classified as a foreign investor, if you live in Australia or are married to an Australian citizen you have a higher borrowing level  

Within our team of mortgage brokers, we can find someone fluent in your first language. We can check that your income currency is an acceptable one.

We have provided hundreds of millions of dollars to overseas borrowers purchasing Australian residential properties. Why not join them?  

If you are an overseas resident looking to make an investment in Australian property, simply contact us and we can help you evaluate your options.



Commercial and Busines loans are quite specialised and perhaps can be even harder to get as the banks and lenders have really tightened up their policies to reduce their risk exposure. 

The GOOD news is, that many other NEW players are coming into the commercial finance space every week with their own different set of guidelines which may be more suitable to MEETING your needs. Contact RedCap Finance Brokers - Your EZ Finance business advisor today to see how we may secure finance for your situation!

Business finance options

  • Secured business and commercial loans
  • Unsecured business and commercial loans
  • Overdraft
  • Property development finance
  • Business loans / Line of credit / Term loans
  • Cash flow finance
  • Hire Purchase
  • Chattel mortgage
  • Short-term business loans
  • Leasing finance
  • Buying or Selling a Business


Borrower Tips

Money Management and Protecting Your Credit Score can be difficult. 

There are lots of opinions on how to manage your money and credit profile successfully, but sifting through all that can be a challenge, however here are some tips that may assist you further.

Credit scores help lenders decide if they should lend money to you. Knowing your credit score can help you to negotiate a better deal with your bank or find an alternative lender that will reward your good credit history.

Improving your credit rating starts with looking at your current financial situation and looking for ways to improve it.