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Commercial property loans come in various types, each with its benefits and drawbacks. They include:
A Full Documentation Loan is common in residential and commercial lending, requiring detailed proof of income, expenses, assets, and liabilities. These loans are for borrowers with strong financials and clear income positions, offering competitive interest rates from many institutions.
They suit borrowers with stable income and good credit history.
Documentation Required
Full income verification – payslips, tax returns, BAS, financial statements, trust deeds, lease agreements, statement of position, living expense disclosure.
Maximum Loan to Value Ratio (LVR)
Typically up to 70–80% for commercial properties (sometimes 55% for specialised securities)
Loan Sizes
From $100,000 up to $100M+, depending on financial strenght and security offered
Term
1–30 years depending on lender and product (often interest-only available for 1–5 years)
Interest Rates
Usually lower than Low Doc or Lease Doc loans, due to lower risk
Security Accepted
Commercial properties (office, industrial, retail), residential securities, or mixed-use
Assessment Criteria
Based on Interest Cover Ratio, Debt Service Cover Ratio and overall serviceability (can include business, personal and rental income)
A full suite of information is required for lenders including:
✅ Lower interest rates than Alt Doc or Low Doc loans
❌ More paperwork and longer approval times
✅ Higher borrowing capacity
❌ Requires up-to-date financials (e.g. can’t rely on outdated tax returns)
✅ Greater lender choice and flexibility
❌ Can be challenging for self-employed borrowers with fluctuating income
✅ Suits borrowers with clean, documented finances
❌ Not suitable for borrowers with non-verifiable income
✅ Often eligible for redraw, and other features
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When purchasing a commercial property such as an office, warehouse, or retail store, most banks and non-bank lenders will prefer Full Doc loans because:
For owner-occupiers, the lender will also consider the business's trading income as part of the assessment.
Type
Documentation Required
Risk to Lender
Typical LVR
Interest Rate
Full Doc
Full financials & income
Low
Medium
Up to 65%
High
At Baseline Finance, we specialise in finding flexible solutions for commercial borrowers — whether you’re fully documented or not.
The information provided on this site is on the understanding that it is for illustrative and discussion purposes only. Whilst all care and attention is taken in its preparation any party seeking to rely on its content or otherwise should make their own enquiries and research to ensure its relevance to your specific personal and business requirements and circumstances. Terms, conditions, fees and charges may apply. Normal lending criteria apply. Rates subject to change. Approved applicants only.
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