What Our Clients Say
Trusted by investors and businesses across Australia for commercial financing.
LeaseDocLoan made it incredibly easy to secure financing for my North Sydney office building. With minimal documentation, they approved my loan within 48 hours.
Michael Chen
Commercial Property Portfolio Manager
Secured financing for my Parramatta retail complex with just lease documentation. The flexible LVR options were perfect for our expansion strategy.
Sarah O'Connor
Multi-Property Retail Investor
After Big 4 banks rejected our CBD application, LeaseDocLoan approved it in 3 days using only lease documentation. Exceptional service for sophisticated investors.
Rajiv Patel
Private Equity Property Fund
Brought to you by PLAN A Mortgage
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Still Have Questions?
Get quick answers to common questions about Lease Doc loans
What is a Lease Doc Loan?
Quick Answer
A Lease Doc Loan is a commercial property financing option where approval is based primarily on your rental income (lease) rather than extensive financial documentation like tax returns or profit & loss statements.
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Traditional commercial property loans require full financial documentation including tax returns, financial statements, and extensive business records. This can be challenging for:
- Self-employed individuals with complex tax structures
- Business owners with multiple income streams
- Investors using trusts or company structures
- Property investors who want faster approval
With Lease Doc loans, the strength of your lease agreement becomes the primary assessment factor. If you have quality tenants on long-term leases paying solid rent, you can qualify for up to 75% LVR without providing tax returns or business financials.
What LVR (Loan-to-Value Ratio) Can I Get?
Quick Answer
Lease Doc loans offer three LVR options: 50%, 65%, or 75%. The LVR you qualify for depends on your property value, rental income strength, and overall application profile.
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50% LVR (Lowest Risk)
- Easiest approval criteria
- Lowest interest rates
- Ideal for conservative investors or first-time borrowers
65% LVR (Balanced)
- Moderate documentation requirements
- Competitive rates
- Popular choice for established investors
75% LVR (Maximum)
- Highest leverage available
- Stronger rental income required
- Best for experienced investors with quality properties
Who is Eligible for Lease Doc Loans?
Quick Answer
Anyone purchasing or refinancing commercial property with a valid lease agreement can apply. There are no restrictions on employment type, business structure, or income documentation.
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You're eligible if you:
- Are purchasing or refinancing commercial property in Australia
- Have a property value of $500,000 or more
- Have an existing tenant with a lease agreement (for refinance)
- Can show the rental income covers loan repayments
This includes:
- Self-employed business owners
- Company directors
- Trust and SMSF investors
- Full-time employees investing in commercial property
- Overseas investors (Australian property only)
Lease Doc vs Full Doc Loans: Complete Comparison
Understanding the key differences helps you choose the right commercial property finance option
| Feature | RECOMMENDEDLease Doc Loan | Full Doc Loan |
|---|---|---|
| Documentation Required | Lease agreement only | Tax returns (2 years), financials, bank statements |
| Approval Time | 24-48 hours | 1-2 weeks |
| Suitable For | Self-employed, complex tax structures | Simple income, PAYG employees |
| Maximum LVR | Up to 75% | Up to 80% |
| Interest Rate | From 6.04% p.a. | From 5.79% p.a. |
| Privacy | High (no tax returns disclosed) | Low (full financial disclosure) |
| Best For | Speed, privacy, complex structures | Lowest rates, simple applications |
LVR Options: 50% vs 65% vs 75%
Choose the right loan-to-value ratio for your investment strategy
| Feature | 50% LVR | RECOMMENDED65% LVR | 75% LVR |
|---|---|---|---|
| Deposit Required | 50% | 35% | 25% |
| Approval Difficulty | Easiest | Moderate | Strictest |
| Interest Rate | Lowest | Mid-range | Higher |
| Documentation | Minimal | Standard | Comprehensive |
| Rental Cover Required | Lower | Standard | Higher |
| Best For | Conservative investors, first-timers | Balanced leverage, experienced investors | Maximum leverage, strong properties |
| Example Loan | $500K property = $250K loan | $500K property = $325K loan | $500K property = $375K loan |
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