LEASE DOC LOAN
A lease doc loan is a commercial lending option where the lender assesses borrowing capacity based on expected rental income from the lease, rather than requiring full financial documents such as tax returns and financial statements.
UNDERSTANDING THE LEASE
A Lease Doc Loan allows borrowers to secure commercial finance based primarily on lease income rather than full tax returns or financial statements. The lease agreement and rental yield form the foundation of assessment.
Who Is Eligible for a Lease Doc Loan?
You may qualify if:
The property has a strong commercial lease in place
Rental income sufficiently covers repayments
You can contribute a deposit (typically up to 70% LVR)
You meet lender credit requirements.
Why Choose a Lease Doc Loan?
A Lease Doc Loan is ideal for commercial property investors who qualify using rental income from an existing lease rather than full financial documentation. By focusing on the strength of the lease and property cash flow, this structure provides a streamlined and efficient pathway to secure funding.
Lower interest rates - lenders reward full transparency.
Higher borrowing limits - up to 90%+ LVR in some cases.
Broad product features - fixed/variable, redraw, offset etc.
Stronger repayment flexibility - longer terms, fewer restrictions.
Suitable for salaried, self-employed (with full documentation) and established businesses.
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