BNK Bank (Goldfields Money/BCHL)
Commercial Alt Doc
The Gold Commercial Alt Doc Loan offers a competitive solution for investors and business owners.
Business loansBank updated 11 May 2026
At a glance
- Variable
- 8.09%
- Upfront fee
- $25
§ 01 — Rates · 7
| 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 | 8.24% | — | 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 | 8.54% | — | 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 | 8.09% | — | 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 | 8.09% | — | 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 | 8.39% | — | 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 | 9.74% | — | Rate applied to new Commercial Alt Doc loans |
§ 02 — Fees · 10
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Loan variation | Event | $250 | — | Fees associated with varying the loan agreements |
| Split loan fee | Event | $100 | — | $100 per split |
| Discharge Fee | Exit | $350 | — | Admin fee for discharging the loan |
| Early repayment fee | Exit | $1 | — | 1.50% if discharged within 3 years (based on original loan amount) |
| Annual fee | Periodic | $395 | Every 1 yr | Annual Fee |
| Application Fee | Upfront | $1 to $25,000 | — | 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 |
| Documentation Handling | Upfront | $25 | — | Documentation Handling |
| Legal Fees | Upfront | $770 | — | At Cost from $700 + GST (excluding disbursments & other charges) |
| Title Insurance | Upfront | $1 | — | At cost |
| Valuation Fee | Upfront | $1 | — | Valuation Fee At cost and may vary depending on valuation type |
§ 03 — Features
RedrawExtra repaymentsDigital banking
- · 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…
§ 04 — Eligibility & 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
§ 05 — Compare
§ 06 — Run the numbers
Put this product through a calculator
Published by BNK Bank (Goldfields Money/BCHL) under the Consumer Data Right, last changed by them on 11 May 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.