Lease Doc Commercial Investment Loans from 6.49% for loans over $1m

The mechanics are straightforward. The lender reviews the lease agreement attached to the property — the tenant, the rental income, the lease term and any options — and calculates an Interest Cover Ratio (ICR) to confirm the rent adequately services the proposed loan. Because the focus is on the asset's income-producing capacity rather than the borrower's tax position, a Lease Doc loan can suit trusts and corporate structures where consolidated financials are complex or time-consuming to produce.

For eligible purchases, Lease Doc loans are available up to 70% LVR, and the process is designed to move quickly: send through the lease, and a specialist Lease Doc broker typically comes back within one business day with an indicative loan amount and rate.

Where this fits into an accountant's advice

Accountants are often the first call when a client is weighing up a commercial property purchase, and finance timelines can materially affect whether a deal completes on schedule. Knowing that a lease-assessed option exists — one that doesn't hinge on the client's most recent BAS or a same-day accountant's letter — gives accountants another lever to pull when a client's paperwork isn't lender-ready but the underlying deal still stacks up.

It's worth being clear about what Lease Doc lending is not: It is not for Owner Occupied properties, it isn't a way around genuine serviceability, and it isn't suited to every property or every client. Vacant properties, short lease terms, or tenants on shaky footing will still be scrutinised carefully by lenders, and approval remains subject to full credit assessment, valuation and individual circumstances. Lease Doc simply changes what evidence the serviceability case is built on — from the borrower's tax history to the asset's contracted income.

A specialist panel, not a generic pathway

LeaseDoc.com.au is operated by Commercial Warehouse Pty Ltd (Australian Credit Licence 493348) and works with a panel of lenders that specialise in lease-assessed commercial lending. Because the product sits outside standard full-doc policy, the panel and the pricing available can vary meaningfully between lenders — which is where a broker who works exclusively in this space adds value, matching the lease and the client's structure to the lender most likely to say yes on the terms that suit.

For accountants fielding a commercial property enquiry from a client whose financials aren't quite lender-ready, it can be worth a five-minute conversation before ruling the purchase out on finance grounds. Sending through the lease costs nothing and comes with no obligation — and for the right deal, it can be the difference between a settlement that happens on time and one that doesn't happen at all.

Clients can send through a lease directly at leasedoc.com.au, or accountants can make a warm introduction on their behalf by calling 1300 569 362.

This article is general information only and does not constitute financial or credit advice. The rate quoted is indicative only, correct at the time of publication, and subject to change without notice. Actual rates and loan terms vary based on the security property, lease, LVR and individual circumstances. All loan applications are subject to full lender credit assessment, valuation and individual circumstances. Commercial Warehouse Pty Ltd, Australian Credit Licence 493348.