BNK Bank (Goldfields Money/BCHL)
Commercial Lease Doc
The Gold Lease Doc Commercial Loan is a flexible loan ideally suited for purchase or refinance of commercial properties with no income verification other than rental income derived from the security property
Business loansBank updated 11 May 2026
At a glance
- Variable
- 7.99%
- Upfront fee
- $25
§ 01 — Rates · 7
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| VariableCommercial Lease Doc Loan 60% LVR IO | Investment · Interest only | — | ≤60% LVR · $100,000–$5,000,000 | 7.99% | — | Rate applied to new Commercial Lease Doc loans |
| VariableCommercial Lease Doc Loan 70% LVR IO | Investment · Interest only | — | 60–70% LVR · $100,000–$5,000,000 | 8.39% | — | Rate applied to new Commercial Lease Doc loans |
| VariableCommercial Lease Doc Loan 75% LVR IO | Investment · Interest only | — | 70–75% LVR · $100,000–$3,500,000 | 8.74% | — | Rate applied to new Commercial Lease Doc loans |
| VariableCommercial Lease Doc Loan 60% LVR P&I | Investment · P&I | — | ≤60% LVR · $100,000–$5,000,000 | 7.99% | — | Rate applied to new Commercial lease Doc loans |
| VariableCommercial Lease Doc Loan 70% LVR P&I | Investment · P&I | — | 60–70% LVR · $100,000–$5,000,000 | 8.24% | — | Rate applied to new Commercial Lease Doc loans |
| VariableCommercial Lease Doc Loan 75% LVR P&I | Investment · P&I | — | 70–75% LVR · $100,000–$3,500,000 | 8.59% | — | Rate applied to new Commercial Lease Doc loans |
| VariableCommercial Lease Doc Loan 80% LVR P&I | Investment · P&I | — | 75–80% LVR · $100,000–$2,750,000 | 8.94% | — | Rate applied to new Commercial Lease Doc loans |
§ 02 — Fees · 11
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Loan variation | Event | $250 | — | Fees associated with varying the loan agreements |
| Redraw Fee | Event | $50 | — | Fees associated with redraw |
| 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.