Loan Products
Lease Doc Commercial Loans
Borrow based on the strength of your tenant. A standalone facility serviced purely by the rental income of the commercial property, entirely independent of your personal financials.
200+ lenders
On panel
25+ years
In commercial finance
ACL 502091
Australian Credit Licence
ABN 91 135 045 340
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Let the asset speak for itself.
A Lease Doc loan represents the purest form of commercial property investment finance. Rather than assessing your global financial position, business income, or personal tax returns, the lender looks exclusively at the rental yield of the property securing the loan.
If the lease income comfortably covers the interest repayments (typically measured via an Interest Cover Ratio or ICR), the loan is approved. This ring-fences the debt, making it the premier choice for portfolio investors, complex trust structures, and buyers acquiring high-yielding assets like industrial warehouses, childcare centres, or medical suites.
Why choose a Lease Doc?
- No Tax Returns Required: Zero requirement to supply personal or business financial statements.
- Unlimited Scale: Because the loan doesn't rely on personal income, your borrowing capacity isn't constrained by your salary. If the property pays for itself, you can buy it.
- Privacy & Simplicity: Ideal for borrowers with complex, multi-entity setups who want a streamlined approval process.
Reference library
Related guides
Deeper reference material on this topic from our commercial property finance library.
Commercial Property Valuation Explained: The Australian Lender's View
How commercial property valuations actually work in Australia — the three valuation methodologies, cap rate mechanics, lease quality and WALE impact, industrial vs office vs retail nuance, lender versus market valuation, and how to manage a valuation shortfall.
Commercial Loan Documentation Requirements: The Complete Australian Guide
What Australian commercial lenders actually require — the four documentation lanes (Full Doc, Low Doc, Lease Doc, Asset Lend), entity-specific requirements, common red flags and a complete pre-submission checklist.
Bank vs Non-Bank Commercial Property Loans: Choosing the Right Lane
How to choose between bank and non-bank lenders for an Australian commercial property loan — the structural differences, pricing gap, LVR and policy, speed, covenant flexibility, when each lane is the right answer, and the role of private credit.
Lease Doc Commercial Loans — FAQ
What investors should understand before structuring a Lease Doc facility.