--- title: "Commercial Lease Doc — BNK Bank (Goldfields Money/BCHL)" description: "Business Loans from BNK Bank (Goldfields Money/BCHL). Rates, fees, features and eligibility as published under Australia's Consumer Data Right." canonical: https://www.cdrcompare.au/brands/bnk-bank-goldfields-money-bchl/products/3003 source: "CDR Compare" language: en-AU last_updated: 2026-05-10T20:05:00.882219Z --- # Commercial Lease Doc — BNK Bank (Goldfields Money/BCHL) > Business Loans from BNK Bank (Goldfields Money/BCHL). Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare. **Business Loans** The Gold Lease Doc Commercial Loan is a flexible loan ideally suited for purchase or refinance of commercial properties with no income verification other than rental income derived from the security property ## At a glance - **From (investment):** 7.99% (Variable) ## Interest rates ### Investment — Principal & interest | Type | Rate | Comparison | Applies to | | --- | --- | --- | --- | | Variable (Commercial Lease Doc Loan 60% LVR P&I · Rate applied to new Commercial lease Doc loans ) | 7.99% | — | LVR equal to or less than 60%; Loan Amount $100,000–$5,000,000 | | Variable (Commercial Lease Doc Loan 70% LVR P&I · Rate applied to new Commercial Lease Doc loans ) | 8.24% | — | LVR above 60% and equal to or less than 70%; Loan Amount $100,000–$5,000,000 | | Variable (Commercial Lease Doc Loan 75% LVR P&I · Rate applied to new Commercial Lease Doc loans ) | 8.59% | — | LVR above 70% and equal to or less than 75%; Loan Amount $100,000–$3,500,000 | | Variable (Commercial Lease Doc Loan 80% LVR P&I · Rate applied to new Commercial Lease Doc loans ) | 8.94% | — | LVR above 75% and equal to or less than 80%; Loan Amount $100,000–$2,750,000 | ### Investment — Interest only | Type | Rate | Comparison | Applies to | | --- | --- | --- | --- | | Variable (Commercial Lease Doc Loan 60% LVR IO · Rate applied to new Commercial Lease Doc loans ) | 7.99% | — | LVR equal to or less than 60%; Loan Amount $100,000–$5,000,000 | | Variable (Commercial Lease Doc Loan 70% LVR IO · Rate applied to new Commercial Lease Doc loans ) | 8.39% | — | LVR above 60% and equal to or less than 70%; Loan Amount $100,000–$5,000,000 | | Variable (Commercial Lease Doc Loan 75% LVR IO · Rate applied to new Commercial Lease Doc loans ) | 8.74% | — | LVR above 70% and equal to or less than 75%; Loan Amount $100,000–$3,500,000 | ## Fees | Fee | Type | Amount | | --- | --- | --- | | Loan variation — Fees associated with varying the loan agreements | Event | $250.00 | | Discharge Fee — Admin fee for discharging the loan | Exit | $350.00 | | Early repayment fee — 1.50% if discharged within 3 years (based on original loan amount) | Exit | From $1.00 | | Redraw Fee — Fees associated with redraw | Event | $50.00 | | Annual fee — Charged every 12 months · Annual Fee | Ongoing | $395.00 | | 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 · Discount −100% of balance — Fee waiver | Upfront | $1.00 – $25,000.00 | ## 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) - **Maximum loan amount: $3,000,000 - 70% LVR (Cat 1)*, $2,500,000 - 75% LVR (Cat 1)*, $2,000,000 - 80% LVR (Cat 1)*, $2,000,000 - 75% LVR (Cat 2)^, $1,500,000 - 70% LVR (Cat 3)^. [^ in aggregate, * in aggregate or one loan] ** ## Eligibility - **Minimum age** — 18 years (Be 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.) - **Residency status** — An Australian citizen, permanent resident or Australian resident for tax purposes (be an Australian citizen or Australian permanent resident (limited exceptions may apply subject to conditions);) ## Constraints - **Maximum balance** — $3,000,000.00 (The maximum loan balance is $3,000,000) - **Minimum balance** — $100,000.00 (Minimum loan balance is $100,000) ## Data provenance - Published by BNK Bank (Goldfields Money/BCHL) under the Consumer Data Right - Product ID: `3003` - Last updated by the provider: 10 May 2026 - Source payload (JSON): https://www.cdrcompare.au/api/raw/bnk-bank-goldfields-money-bchl/3003 - Provider page: https://www.cdrcompare.au/brands/bnk-bank-goldfields-money-bchl - CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000451 --- Source: [CDR Compare](https://www.cdrcompare.au/brands/bnk-bank-goldfields-money-bchl/products/3003) — product data published by Australian data holders under the Consumer Data Right. 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