Black Mountain Financial

Calculators · Indicative tools

Lease doc lending,
let the rent do the talking.

Work out the maximum loan a property can support from its net rental income and the lender's Interest Coverage Ratio. This is how most commercial and investment loans are assessed.

Property Income Details

Indicative modelling only—not a quote, offer or credit approval. ACL 570391.

Indicative results

Enter the required figures to calculate your scenario.

Outputs are estimates only. They are not a quote, offer, credit approval, financial advice or tax advice. A lender’s actual position depends on valuation, asset, borrower and current credit appetite.

Questions

Before you rely on a number

How is a lease doc loan sized?

The indicative loan is sized from net rental income, the lender test rate and required Interest Coverage Ratio (ICR), then checked against property value.

What will a lender still require?

Lenders verify leases, outgoings, valuation, ownership structure and the property before making a credit decision.

100+
Lender panel
20+
Years' experience
Australian Financial Complaints AuthorityAustralian Property InstituteMortgage and Finance Association of AustraliaConnective member