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La Trobe Financial Commercial Lite Doc Loan

Commercial property loan for self-employed borrowers using an accountant's letter and declaration, $100,000 to $50 million over up to 30 years.

Commercial Property FinanceRefinance & Debt Consolidation
Source dated 26 Sept 2026
Amount
$100K to $50M
Term
Up to 30 yrs
Rate
From 8.29% p.a. variable
Max LVR
Up to 75%
Enquire about this product

Product details

As published by La Trobe Financial. Details not published by the lender are marked.

Loan amount
$100K to $50M
Rate
From 8.29% p.a. variableShown on the product page as "From 8.29 % * p.a." and "Current Rate^: 8.29%" with "Interest Rate Type: Variable". No as-at date is published; figure as displayed on 2026-09-26. "^ Depends on the loan amount and risk grade of borrower." No comparison rate (shown as n/a).
Maximum LVR
Up to 75%
Rate type
Variable
Term
Up to 30 yrs
Security
Property-secured
Structure
Commercial property loan
Fees
Application fee from 1.25% of the loan amount (excludes valuation and legal fees) · Risk fee of $0
Early repayment
Additional repayments not available; redraw available
Documents
Accountant's letter and borrower declaration
Restrictions
Maximum loan amount depends on LVR: $50,000,000 at 65% LVR, $25,000,000 at 70% LVR, $3,000,000 at 75% LVR. No lenders mortgage insurance required.
How to apply
Direct with the lender, or through us
Not published by La Trobe Financial
repayment frequency, time trading, turnover, guarantees, funding time
Suitable purposes
Commercial propertyRefinance

About Commercial Lite Doc Loan

La Trobe Financial publishes these details for Commercial Lite Doc Loan: structure commercial property loan; loan amount $100K to $50M; term up to 30 yrs; security property-secured; maximum LVR up to 75%; documentation accountant's letter and borrower declaration. Not published by La Trobe Financial for this product: time trading, turnover, funding time, guarantees. Ask the lender or a finance specialist to confirm these before you apply.

How it differs from other La Trobe Financial products

  • Commercial Full Doc Loan: Documentation is accountant's letter and borrower declaration here and last 2 payslips and employer reference, or last 2 years financials for Commercial Full Doc Loan.
  • Commercial Lease Doc Loan: Documentation is accountant's letter and borrower declaration here and full lease agreement for Commercial Lease Doc Loan.
  • Commercial Rural Loan: Structure is commercial property loan here and commercial property loan (rural) for Commercial Rural Loan; loan amount is $100K to $50M here and $100K to $2M for Commercial Rural Loan; term is up to 30 yrs here and up to 5 yrs for Commercial Rural Loan; maximum LVR is up to 75% here and up to 55% for Commercial Rural Loan.
  • Commercial SMSF Loan: Structure is commercial property loan here and commercial property loan (SMSF) for Commercial SMSF Loan; loan amount is $100K to $50M here and $100K to $10M for Commercial SMSF Loan; documentation is accountant's letter and borrower declaration here and 80% of rental income, SMSF contribution statement, income deemed at 3.9% for Commercial SMSF Loan.

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