Lease Doc Loans
Lease Doc Loans to help you get ahead - Not just approved
Struggling to get a commercial loan without full financials?
We hear this all the time. Traditional lenders can make it hard for self-employed individuals or property investors who don't have up-to-date tax returns or company financials ready to go. A Lease Doc Loan can be the solution — designed to make financing accessible using the strength of your commercial lease agreement, not your paperwork pile.
Why Partner with Evoke Capital
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Award-winning mortgage brokers servicing Australia-wide
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Combined 50+ years residential and commercial lending experience
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Deep commercial relationships with all major business banks banks
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Platnium bank status and access 100+ lenders with the best interest rates
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6-monthly interest rate reviews and annual strategy sessions.
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100% 5-Star Google Reviews
We are rated in the Top 1% of Mortgage Brokers in Australia
The Best Rates with 100+ Lenders
Key Benefits of Lease Doc Loans
No Tax Return Required
Skip the hassle of chasing your accountant. Lease doc loans allow you to apply based on your lease income alone.
Fast Approvals
Decisions can be made quickly — ideal if you're chasing a deal or facing settlement deadlines.
Higher Borrwing Potential
Many lenders allow up to 75% LVR depending on the lease terms and tenant strength.
Tailored To Investors
If you're asset-rich and paperwork-poor, this structure recognises your real-world financial position.
Common Challenges We Help Solve
I have solid rental income but can't provide recent financials.
Not a problem — if your tenant has a signed commercial lease, that's usually enough to get started.
My current bank doesn't understand low-doc lending.
Lease doc lending is a form of low-doc lending. We work with lenders who specialise in this space and understand your unique circumstances.
I'm buying a commercial property in my SMSF.
Lease doc loans are often available for SMSF borrowers, too — we can guide you through the entire process.
Who are Lease Doc Loans For?
If you've been told "no" elsewhere, a Lease Doc structure might be your "yes". We look after:
Commercial Property Investors: Accessing equity from existing property or purchasing another.
Business Owners: Diversifying profits into a stable income source.
Self-Employed Professionals: Alternative access to finance for investment.
SMSFs: Acquiring income-producing properties and diversify your holdings.
Let's Talk
Navigating commercial finance doesn't have to be hard. If you're self-employed and looking for a practical lending solution, we'll help you structure a Lease Doc Loan that works — without the friction.
Gavin Cacic
Credit & Operations
Gavin has spent 17 years with the Commonwealth Bank with over a decade spent managing commercial portolios across Perth and Sydney
Matt Spears 
Managing Director
Matt is an award-winning banker, broker and property investor who has worked in residential and commercial finance for over 15 years.
Contact Us
Lease Doc Loans FAQ
Can I get a Lease Doc Loan with bad credit?
Yes — depending on the lender, bad credit isn't always a dealbreaker if your lease income is solid and the property meets valuation criteria.
Do I need a tenant already in place?
Most lenders require an executed lease agreement with a minimum remaining term, usually 12 months or more. Longer leases with quality tenants often unlock better terms.
How much can I borrow with a Lease Doc Loan?
It varies by lender, but many offer up to 75% LVR, particularly if the lease covers all outgoings and is with a strong.
Are Lease Doc Loans only for commercial properties?
Primarily yes — they're suited for commercial, retail, or industrial properties where lease income is predictable. Residential investment can sometimes be entertained for unit blocks.