Help & support
Lease Doc lending is a simplified way to invest in commercial property.
A Lease Doc loan is assessed only on the rental income your commercial investment property earns, not your personal or business' financials.
Get a quick decision so you can move ahead on the right property.
No payslips or tax returns – we only need a few key documents.
Choose to buy, refinance or release equity from your commercial property.
Chat to a member of our lending team.
Reach out to your Relationship Manager or call 13 1998.
A Lease Doc loan can be used to purchase tenanted commercial properties, including:
Other property types may be considered on a case-by-case basis. Book an appointment or speak to your Relationship Manager for more details.
Yes. An active tenant is required to meet the lease documentation criteria. This ensures the lease income can be used for servicing and supports eligibility under Lease Doc Lending.
No. Lease Doc lending requires an arms-length lease. If the tenant is related to the landlord through ownership, control or investment, the application may not qualify under this pathway.
Your Lease Doc rates and fees will vary; based on your loan amount and other factors. A member of our lending team or your Relationship Manager will be able to provide indicative rates and fees for your individual loan application.
ICR measures how comfortably your lease income covers loan interest. A minimum ICR of 1.5x is required. This helps ensure the property can service the debt independently.
Yes. Applications are assessed holistically, so you may still be eligible for a Lease Doc loan depending on the strength of other factors such as lease quality, property type and ownership structure.
Applications are still subject to normal eligibility and suitability requirements.
An application that meets the above metrics may not be considered eligible or suitable for CBA lending.
This information is for general information purposes only. It has been prepared without considering your individual and/or business objectives, financial situation or needs.
Credit provided by the Commonwealth Bank of Australia. These products are only available to approved business customers and for business purposes only. Applications for finance are subject to the Bank’s eligibility and suitability criteria and normal credit approval processes. Full terms and conditions are included in the Loan Offer. Bank fees and charges may apply. Rates and fees are subject to change.
