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Low doc commercial loan
With flexible income verification options, our low doc commercial loan is ideal for when things are a little more complicated.
Low doc commercial loan
Low doc commercial loan
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A flexible commercial solution to help you thrive
Our competitive low doc loan provides flexible income verification for free thinkers who may not have full documentation.
Suits self-employed borrowers
Flexible income verification
Borrow up to 80% LVR~
Rates from 8.60% p.a.+
Easy to understand features, variables and fees
Features
Loan variables
Fees^
Ready to get moving?
Wherever you are in your journey, help is here however you need it.
Calculate your repayments
Our easy to use online calculator can help you work out what your loan repayments will be.
Contact a trusted adviser
Your local Liberty Adviser will be able to look at your financial situation and help you decide the best way forward.
Request a call back
Enter your contact details and a Liberty Adviser will be in touch to help you crunch the numbers.
Our innovation and flexible solutions have helped over 850,000 free thinkers.
Free thinkers like us see the possible!
When others see the impossible, we look past that and see what we can achieve together.
We’ve helped more than 850,000 customers get financial.
Supporting free thinkers from diverse backgrounds for over 25 years.
Proudly B Corp certified to make a difference beyond borrowing.
Championing women in sport to make a difference on and off the field.
Frequently asked questions
A commercial loan is designed to help you invest in commercial property, fund business operations or to buy business equipment. A commercial loan typically uses commercial property as the security and can be an ideal option for those looking to purchase a business premises or build a commercial property portfolio. With a range of free-thinking commercial lending options, Liberty has competitive solutions for all kinds of borrowers.
To apply for a commercial loan, you may need to provide details of the property or purpose of the loan, plus documentation of your current financials. Documentation requirements can vary based on the type of commercial loan you are looking for, and Liberty’s low doc commercial loan offers alternative ways for you to verify your income such as, using an accountant’s declaration, your business activity statements and bank statements. For support to review your options and determine which is right for you, a Liberty Adviser can help.
Liberty’s low doc commercial loan is perfect for self-employed people and small businesses looking to invest in commercial property, fund business operations or to buy business equipment and who may not meet the traditional documentation requirements to evidence income. Liberty’s low doc solutions offer alternative ways for business owners to verify their income levels.
If you’re looking to build your property portfolio, a commercial loan can be a great way to get ahead. As commercial properties tend to have longer rental periods, they can provide greater rental certainty with fewer ongoing expenses. With a range of flexible commercial lending options, we’re here to help you reach your individual investment goals.
At Liberty, we understand that things don’t always go according to plan, and that there is often more to the story than what’s listed in a borrower’s credit file. We assess each commercial loan application on a case-by-case basis to provide tailored lending solutions, even if you have a blemish on your credit history.
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- 30-year loan terms
- No annual reviews
- Borrow up to 80% LVR
RATES PER ANNUM FROM#
Short term commercial loan
A speedy commercial loan for a business boost.
- Fast business finance solution
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RATES PER ANNUM FROM#
Things you should know:
~This page displays our maximum loan to value ratio (LVR) for eligible customers that can provide sufficient income verification documents. Customers providing less income verification will be subject to further LVR restrictions. Please call 13 11 33 or speak to your local Liberty Adviser for more details.
+Higher interest rates may apply. The actual interest rate applicable will depend on the loan to value ratio (LVR) and our assessment criteria including the level of income verification supplied. This page displays our best rate for eligible customers that can provide sufficient income verification documents.
1Subject to loan to value ratio (LVR) restrictions
+++Loans with an Interest Only period are subject to a 0.15% interest rate loading.
^Other Fees and charges are payable.
^^Application fee of $1,045 may apply depending on assessment criteria.
^^^The establishment fee is calculated as a percentage of the loan amount and has a minimum fee of $2,500 or $5,000 depending on assessment criteria.
^^^^Minimum redraw amount $5,000.
^^^^^Deferred facility fee is calculated as a percentage of the loan amount and is only payable if the loan is repaid before the earlier of the end of the term or the third anniversary of settlement. Customers may elect to pay an upfront facility fee in lieu of a deferred facility fee prior to settlement .
^^^^^^Discharge fee of $395 plus legal fees and government charges are due upon loan finalisation.
#Higher interest rates may apply. The actual interest rate applicable will depend on our assessment criteria and the loan to value ratio. Please call 13 11 33 or speak to your local Liberty Adviser for more details.