BNK Bank (Goldfields Money/BCHL)Commercial Alt Doc
The Gold Commercial Alt Doc Loan offers a competitive solution for investors and business owners.
At a glance
- Variable
- 7.99%
- Upfront fee
- $25
How it compares
This business loan in ink, against the best that every other institution publishes for anyone to apply for. Each figure is counted the same way for all of them.
Lowest advertised rate, fixed or variable, leaving out SMSF loans; secured loans usually price lower. One dot per institution, at its lowest business loan rate anyone can apply for; hover or tap a dot for its name.
Lowest advertised rate, fixed or variable, leaving out SMSF loans; secured loans usually price lower. One dot per institution, at its lowest business loan rate anyone can apply for; hover or tap a dot for its name.
| Rate | This business loan | Best anywhere | Typical institution | Where it sits |
|---|---|---|---|---|
| Business loanLowest advertised rate, fixed or variable, leaving out SMSF loans; secured loans usually price lower | 7.99% | 6.33%SCCU's BUSINESS LOAN | 7.89%of 47 institutions | 27th lowest of 47, level with 2 others |
| Business loanLowest advertised rate, fixed or variable, leaving out SMSF loans; secured loans usually price lower | 7.99% | 6.33%SCCU's BUSINESS LOAN | 7.89%of 47 institutions | 27th lowest of 47, level with 2 others |
Rates
Every rate BNK Bank (Goldfields Money/BCHL) publishes for this business loan, 7 in all.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| VariableCommercial Alt Doc Loan 60% LVR IO | Investment, Interest only | - | ≤60% LVR, $100,000–$5,000,000 | 8.24% | - | Rate applied to new Commercial Alt Doc loans |
| VariableCommercial Alt Doc Loan 70% LVR IO | Investment, Interest only | - | 60–70% LVR, $100,000–$5,000,000 | 8.49% | - | Rate applied to new Commercial Alt Doc loans |
| VariableCommercial Alt Doc Loan 75% LVR IO | Investment, Interest only | - | 70–75% LVR, $100,000–$3,500,000 | 8.79% | - | Rate applied to new Commercial Alt Doc loans |
| VariableCommercial Alt Doc Loan 60% LVR P&I | Investment, P&I | - | ≤60% LVR, $100,000–$5,000,000 | 7.99% | - | Rate applied to new Commercial Alt Doc loans |
| VariableCommercial Alt Doc Loan 70% LVR P&I | Investment, P&I | - | 60–70% LVR, $100,000–$5,000,000 | 8.34% | - | Rate applied to new Commercial Alt Doc loans |
| VariableCommercial Alt Doc Loan 75% LVR P&I | Investment, P&I | - | 70–75% LVR, $100,000–$3,500,000 | 8.64% | - | Rate applied to new Commercial Alt Doc loans |
| VariableCommercial Alt Doc 80% LVR P&I | Investment, P&I | - | 75–80% LVR, $100,000–$2,750,000 | 9.99% | - | Rate applied to new Commercial Alt Doc loans |
Rate changes
6 changes logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 22 Oct 2026 | Variable, Investment, Interest only, 60–70% LVR, $100,000–$5,000,000 | 8.24% | 8.49% | up 0.25 |
| 22 Oct 2026 | Variable, Investment, Interest only, 70–75% LVR, $100,000–$3,500,000 | 8.54% | 8.79% | up 0.25 |
| 22 Oct 2026 | Variable, Investment, P&I, ≤60% LVR, $100,000–$5,000,000 | 8.09% | 7.99% | down 0.10 |
| 22 Oct 2026 | Variable, Investment, P&I, 60–70% LVR, $100,000–$5,000,000 | 8.09% | 8.34% | up 0.25 |
| 22 Oct 2026 | Variable, Investment, P&I, 70–75% LVR, $100,000–$3,500,000 | 8.39% | 8.64% | up 0.25 |
| 22 Oct 2026 | Variable, Investment, P&I, 75–80% LVR, $100,000–$2,750,000 | 9.74% | 9.99% | up 0.25 |
Each change is logged the night it appears in the rates BNK Bank (Goldfields Money/BCHL) publishes. See how every lender answered the RBA on the rate tracker.
Fees
10 fees published, grouped by when they're charged.
- When you take it outUp to $255 fees, each listed below
- While you hold it$395 a yearAnnual fee
- When you close it or pay it offUp to $3502 fees, each listed below
When you take it out5
- Application Fee
Application Fee based on the total loan amount NIL - <60% LVR 0.50% - < 70% LVR 0.60% - <75% LVR 0.70% - <80% LVR Fee waiver
$1 to $25,000 - Documentation Handling
Documentation Handling
$25 - Legal Fees
At Cost from $700 + GST (excluding disbursments & other charges)
From $770 - Title Insurance
At cost
From $1 - Valuation Fee
Valuation Fee At cost and may vary depending on valuation type
From $1
While you hold it1
- Annual fee
Annual Fee
$395 a year
When particular things happen2
- Loan variation
Fees associated with varying the loan agreements
$250 - Split loan fee
$100 per split
$100
When you close it or pay it off2
- Discharge Fee
Admin fee for discharging the loan
$350 - Early repayment fee
1.50% if discharged within 3 years (based on original loan amount)
From $1
Features
- Option to split loan
- Security Location - [80% LVR – Cat 1], [75% LVR – Cat 2], [70% LVR – Cat 3]
- Maximum loan term - 30 years
- Up to 5 year interest only terms
- Maximum loan amount: $3,000,000 - 70% LVR (Cat 1)*, $2,500,000 - 75% LVR (Cat 1)*, $2,000,000 - 80% LVR (Cat 1)*, $2,000,000 - 75% LVR (Cat 2)^, $1,500,000 - 70% LVR (Cat 3)^. [^ in aggregate, * in a…
Eligibility and limits
- Minimum age 18
- Residency: An Australian citizen, permanent resident or Australian resident for tax purposes
- Employment: PAYG or Self-employed (period for self-employed must equal to or greater than 12 months)
- Minimum balance $100,000
Compare it with others
Put this product through a calculator
Published by BNK Bank (Goldfields Money/BCHL) under the Consumer Data Right, last changed by them on 21 Oct 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.