Lease Doc Loans

Commercial Lease Doc Loans Made Simple

Tap into your property’s rental potential — not your personal income. A Commercial Lease Doc Loan lets you borrow based on your tenant's financial strength and lease agreement

Talk to Your Loan expert

Gold Finance – Best Mortgage Broker in AustraliaLease Doc Loan

Why Consider a Commercial Lease Doc Loan?

Traditional loans often demand extensive financial documentation and strong personal income. But what if you could borrow without the paperwork — simply by leveraging your lease? That’s exactly what a Commercial Lease Doc Loan offers.

Borrow Against Rental Income, Not Personal Income

This loan is designed for commercial property owners who lease to strong tenants. Your approval depends on the lease terms and tenant credibility, not your personal financials.

No Financials Required

No need to provide payslips, tax returns, or BAS. If your lease checks out, you’re good to go.

Higher Loan-to-Value Ratios

You can borrow up to 70% of the commercial property’s value, unlocking significant capital without complex documentation.

Fast & Flexible Funding

With lenders like Westpac and Liberty active in this space, you can secure funding faster than with traditional commercial loans.

Commercial Lease Doc Loan

Features of a Commercial Lease Doc Loan

A Commercial Lease Doc Loan is a smart solution for property investors who may not have extensive financial documentation but do have one key strength—a solid lease agreement with a reputable tenant. These types of loans focus more on the rental income from the leased property rather than your personal or business financials, making them ideal for self-employed individuals, SMSF investors, or those with complex income structures.

At Gold Finance, we understand that every investor’s situation is different, which is why we take a practical and personalised approach. Our team helps you leverage the strength of your commercial lease to access funding, even if you don’t meet the strict documentation standards of traditional banks. Whether your tenant is a government body, franchise, or established company, we match you with lenders who prioritise lease quality over red tape

Save More with Gold Finance

Up to 70% LVR – Competitive lending amounts based on property value.

Lease Must Have 12+ Months Remaining – Stability in tenancy is key.

Tenant Can’t Be You or a Related Party – Must be leased to a separate, strong entity.

No Financial Docs Needed – Approval is lease-based, not income-based.

Frequently Asked Questions (FAQ)

1. What documents are needed for a Commercial Lease Doc Loan?

Mainly, the lease agreement and evidence of tenant strength. No need for tax returns, BAS, or personal income docs.
2. Can I lease the property to my own business?

No — the tenant must be an unrelated entity. Leases to related parties won’t qualify under this loan type.
3. What properties are eligible?

Standard commercial properties such as retail, office, industrial, or warehouses in metro or strong regional areas.
4. What is the interest cover ratio?

It’s the multiple by which lease income covers loan interest. Most lenders need a ratio of 1.2x–1.5x to approve.
5. What if I don’t have a lease in place yet?

You may get a conditional pre-approval, but final approval will require a signed lease and tenant bond.

Work Proccess

How to Apply for a Commercial Lease Doc Loan

Speak to a Specialist

We'll assess your property, lease details, and eligibility.

Submit Lease Documents

Provide your lease agreement, tenant information, and property valuation (if available).

Get Matched with a Lender

We match you with lenders who specialize in lease doc loans — including major banks and fast-moving non-banks.

Settle & Access Funds

Once approved, the funds are released — helping you invest, refinance, or grow your business with confidence.

10 years of working experience

Why Choose Us?

Our team specializes in helping homebuyers secure tailored loan solutions.

From initial consultation to settlement, we are with you every step.

We craft solutions that align with your financial goals.

Our streamlined processes and expert insights help you save time and money.

Gold Finance Group

4.9

Based on 20 reviews

review us on

David Reid

23:42 10 Apr 25

The Gold Finance team were friendly, helpful and made the process less stressful. I highly recomend them to anyone looking for a broker.

Renante Ampatin

10:22 19 Mar 25

I highly recommend gold finance group for smooth and fastest approval process for my home loan. Thank you Josh & Ash for the help and your hard work.

hannah yeboah

10:08 19 Mar 25

From start to finish I felt that my needs and concerns were heard. Josh was very professional and understanding at the same time. I will definitely refer my family and friends to the company

tetsuya suzuki

07:12 25 Nov 24

Got me a great home loan and refinancing, will definitely return for next property

Ethan Blankanette

10:31 09 Nov 24

Gold Finance Group were unreal ! Ash and Josh were very assertive and supportive from the start. As a first time young investor/home buyer not only did they assist me through the whole process but they mentored me through it all too. Ash and Josh always took their time to discuss best options and never gave up to get the best loan rates. Always had frequent zoom calls with updates when face to face meetings wasn't possible due to busy work schedules, Professional advice, proactive planning and a brilliant attitude. I highly recommend them and look forward to using them again in the future !

Kim ho

05:24 24 Oct 24

Friendly and helpful. Quick response

Anuj

00:57 26 Sep 24

I had a fantastic experience with Gold Finance Group for my home loan. The team was incredibly professional and was clear from the start. Ash made the entire process smooth and hassle-free. I would highly recommend their services to anyone looking for reliable financial guidance. Plus, their customer service was excellent—quick responses and always willing to answer any questions.

Davis Osei

09:59 23 Sep 24

I am very much satisfied with Gold Finance Group. I highly recommend their services to anyone looking for home, investment or commercial loans. The managers take their time to listen, offer you lots of options and assist you in decision making. I’m extremely satisfied with the results and recommend them to anyone looking to secure their financial future

Prince Acheampong` Opoku

00:12 23 Sep 24

We had a great experience with Gold Finance Group. Josh provided exceptional customer service, stepping us through the entire process and was readily available to answer all our questions. Josh secured us a good mortgage rate with a reputable bank and made the process easy. From our initial loan enquiry, right through to settlement of our new property, Josh and his team were outstanding. I highly recommend their services. We would definitely use Mortgage Brokers Melbourne for future financial services 100/100.

Portia Opoku Boadi

23:36 22 Sep 24

Gold Finance Group has been instrumental in helping me move closer to my dream of owning a home. Their commitment to assisting everyday Australians achieve property ownership and financial freedom is clear in everything they do. The team is professional, patient, and always willing to go the extra mile to ensure that you understand the process and had the best options available. Thanks to them, I feel more confident about my financial future. I highly recommend their services to anyone looking for reliable financial guidance!

Get in touch with us

Ask for your query

Call Anytime

Write Email

connect@goldfinance.au

Call Anytime