Commercial Alt Doc
The Gold Commercial Alt Doc Loan offers a competitive solution for investors and business owners.
- From (investment)
- 8.09%
- Variable
Interest Rates
Investment — Principal & interest
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Variable Commercial Alt Doc Loan 60% LVR P&I · Rate applied to new Commercial Alt Doc loans | 8.09% | — | LVR equal to or less than 60%Loan Amount |
| Variable Commercial Alt Doc Loan 70% LVR P&I · Rate applied to new Commercial Alt Doc loans | 8.09% | — | LVR above 60% and equal to or less than 70%Loan Amount |
| Variable Commercial Alt Doc Loan 75% LVR P&I · Rate applied to new Commercial Alt Doc loans | 8.39% | — | LVR above 70% and equal to or less than 75%Loan Amount |
| Variable Commercial Alt Doc 80% LVR P&I · Rate applied to new Commercial Alt Doc loans | 9.74% | — | LVR above 75% and equal to or less than 80%Loan Amount |
Investment — Interest only
Fees
| Fee | Type | Amount |
|---|---|---|
| Documentation Handling Documentation Handling | Upfront | $25.00 |
| Valuation Fee Valuation Fee At cost and may vary depending on valuation type | Upfront | From $1.00 |
| Legal Fees At Cost from $700 + GST (excluding disbursments & other charges) | Upfront | From $770.00 |
| Split loan fee $100 per split | Event | $100.00 |
| Title Insurance At cost | Upfront | From $1.00 |
| Application Fee Application Fee based on the total loan amount NIL - <60% LVR 0.50% - < 70% LVR 0.60% - <75% LVR 0.70% - <80% LVR
| Upfront | $1.00 – $25,000.00 |
| Discharge Fee Admin fee for discharging the loan |
Features
- Option to split loan
- Redraw facility
- This product offers redraw facility
- Security Location - [80% LVR – Cat 1], [75% LVR – Cat 2], [70% LVR – Cat 3]
- Maximum loan term - 30 years
- Up to 5 year interest only terms
- Digital banking
- Internet Banking is available for this product - Free internet and telephone transacting
- Extra repayments
- If you have a variable loan you can make as many additional repayments as you want, with no penalty at anytime
Eligibility
- Residency status — An Australian citizen, permanent resident or Australian resident for tax purposesbe an Australian citizen or Australian permanent resident (limited exceptions may apply subject to conditions);
- Minimum age — 18 yearsBe an Australian corporate trustee as trustee for a family trust, (provided the corporate trustee is a non-trading entity) and the family trust beneficiaries are all individuals; or Be a company and meet the following requirements: Satisfactory enquiries by Better Choice; and Company borrowing being supported by the personal guarantee of the director(s). Guarantees from companies & trusts are not acceptable;
- Employment status — PAYG or Self-employed (period for self-employed must equal to or greater than 12 months)Entity must be able to provide a stable income to make repayments on the loan, Provide sufficient and acceptable security and provide a satisfactory assessment in accordance with Better Choice’s credit assessment criteria.
Constraints
- Maximum balance — $3,000,000.00The maximum loan balance is $3,000,000
- Minimum balance — $100,000.00Minimum loan balance is $100,000
Published by BNK Bank (Goldfields Money/BCHL) under the Consumer Data Right · Last updated 10 May 2026 · Product ID 3002 · View on CDR.gov.au