Lease Doc Loans

Specialist lease document loan solutions designed to finance property or equipment leases with ease, providing flexible terms, expert guidance, and tailored lending options to support your business operations

Specialist lease document loan solutions designed to finance property or equipment leases with ease

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Lease Doc Loans

Lease Document Loans Made Easy

Low Doc or Lease Doc loans are designed for self-employed or non-standard income earners who may not have full financial documentation, such as tax returns or financial statements. These loans rely on alternative verification, such rental income, or lease agreements, to assess borrowing capacity. These types of loans usually don’t consider or take into account your other borrowings and financial position and relay solely on the rental income received to assess borrowing power. These loans usually work best with commercial property, retail, office, and industrial type properties, however in some circumstances residential properties can be used as security and as the income source. At GKM Mortgage Brokers, we help clients access lease doc loans, explain eligibility requirements, and secure finance quickly while minimising the stress of providing traditional documentation.

Loan Features & Process

Income verified via alternative documents
Lenders managing agents rentals statement, lease agreements, and or bank statements instead of full tax returns.

Pre-approval available
You can confirm your borrowing limit based on rental / lease documentation before committing to a property.

Higher deposit may be required
Lease Doc Loans usually require larger deposits compared to standard loans. Usually 20 – 25% deposit / equity is required.

Formal approval after documentation
Lenders review submitted documents and property details before issuing final approval.

Loan settles at purchase
Once approved, funds are released to complete the purchase.

Repayments commence
Structured as principal & interest or interest-only, depending on lender and borrower preference.

Ongoing reviews as required
Most lenders working in this space do not require reviews during the loan term.

GKM Mortgage Brokers can structure applications to get the best possible amount based on non-standard income.

Why use a Broker?

Access to low doc-friendly lenders
Not all lenders offer Lease Doc options; brokers know which ones are flexible.

Guide on required documentation
Brokers advise exactly what documents to provide for fast approval.

Maximise borrowing potential
Brokers structure applications to get the best possible amount based on non-standard income.

Negotiate rates and terms
Brokers can often secure competitive rates or flexible repayment terms.

Manage the application process
Handling lender communication, documentation, application and conditions reduces stress.

Avoid costly mistakes
Brokers ensure applications meet lender criteria, avoiding delays or rejections.

Ongoing support
Continued advice for refinancing, future property purchases, or changes in income structure. At GKM we are always interested in obtaining the best rate for our client’s situation.

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