Commercial Lease Doc
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
- 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 |
| 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 |
| 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 |
| 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 |
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 |
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
- 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.
- 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);
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 3003 · View on CDR.gov.au