Vacant commercial property. No tenant. No income. No trading history. Traditional lenders won't touch it — but a No Doc Commercial Loan is designed exactly for this. Buy it. Renovate it. Tenant it. Then exit to a cheaper loan.
Vacant commercial property is one of the best value-add opportunities in real estate. The problem? Every traditional lender wants to see an existing tenant, signed lease, and years of income history before they'll say yes.
A No Doc Commercial Loan is assessed on the property asset — not the income. No lease required. No tax returns. No trading history. The property itself is the security.
No Doc is not your end-game — it's your entry point. Here's how smart investors use it to build equity and reduce costs.
Acquire the vacant commercial property using a No Doc Commercial Loan. No lease required. No income documentation. The asset secures the lending. You own the property on day one.
Renovate, improve, and position the property to attract a quality tenant. Negotiate a strong commercial lease — the kind that makes lenders comfortable. Your asset value rises. Your income story begins.
Once you have a tenant on a strong lease, you have the income documentation lenders want. Exit your No Doc loan and refinance to a significantly cheaper Lease Doc loan through leasedoc.com.au →
No Doc Commercial Loans are for direct purchasers — not brokers, not intermediaries. If you are buying a vacant commercial property and have been turned away by the banks, this is designed for you.
Office buildings, retail spaces, industrial units, warehouses, mixed-use — any commercial property with no current tenant or income.
Investors who identify under-valued, vacant commercial properties and see the opportunity to renovate, reposition, and generate strong returns.
Business owners wanting to purchase their own commercial premises — even when the property is currently vacant and generating no income.
Business owners and self-employed individuals whose income is complex, variable, or difficult to document in the way mainstream lenders require.
We keep the process direct, transparent, and fast. Here is what happens from your first enquiry through to owning the property.
Complete the short enquiry form below with details of the property you want to purchase — including purchase price, address, and loan amount required. This is a purchase enquiry only — we do not assist with refinances.
Our specialist commercial lending team reviews your enquiry and conducts a preliminary assessment based on the property, the loan amount, and your situation. We assess the deal on the asset — not on income or existing tenancy.
If your enquiry is suitable, we present indicative No Doc Commercial Loan terms — including rate, LVR, and fees — from our panel of specialist non-bank and private lenders. You decide whether to proceed.
Settlement occurs. You now own the property. The strategy begins: renovate, secure your tenant on a strong lease, and when ready — exit to a cheaper Lease Doc loan via leasedoc.com.au.
Purchase enquiries only. Direct clients only — not for broker submissions. Complete the form below and our team will respond within one business day.