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  • PLATINUM COMMERCIAL LOANS

Premium Lending for Premium Clients

At Joii Capital, our Platinum Commercial Loans are designed for discerning borrowers seeking premium financing options for commercial properties. With competitive interest rates, flexible loan structures, and a streamlined approval process, this product is ideal for high-quality applicants who value both performance and service.

  • Competitive Interest Rates
    Benefit from highly competitive pricing tailored to premium borrowers.
  • Flexible Loan Terms
    Choose from a range of terms to suit your investment goals.
  • High Borrowing Capacity
    Access higher loan amounts with favourable LVRs.

Who This Is For:

  • Business owners with irregular income streams
  • Self-employed professionals with strong equity positions
  • Investors seeking fast, flexible funding solutions
  • Borrowers needing alternatives to full-doc lending requirements
  • INTEREST RATES

Alt Doc Commercial

LVR & Rates (*subject to change)

60%

65%

70%

75%

 $200K ≤ $3,000,000

8.29%

8.29%

8.49%

8.89%

 $300K ≤ $5,000,000

8.89%

8.89%

8.99%

9.49%

$5,000,000K ≤ $7,000,000

8.89%

8.89%

8.99%

9.49%

  • FEES

Valuation fee

To Be Quoted

Annual Fee

$395.00

Application fee

$660.00

Settlement Fee

$395.00

Establishment fee (from)

0.50%

Risk Fee Under $3M 

NIL

Legal Fee + Govt Fees/Charges

From $1500

Risk Fee Over $3M 

0.75%

  • LVR & Rates subject to change 
  • Valuation Fee – To Be Quoted. Payable when ordering valuation.
    (Please note: this is an estimate only and may vary with each property.
  • All fees are payable at settlement (Except valuation fee)
  • LOANS DETAILS
  • Max LVR 75% 
  • Max Single Borrower Exposure $10M
  • Client Online Portal
  • Fast Approval
  • Easy Cash Out Policy
  • Minimum Term 30 years 
  • DOCUMENTS CHECKLIST
  • Application Form
  • Services Calculator Note no debt multiplier
  • 100 Points ID
  • Equifax Credit Report
  • Water Rates, Council rates and Strata Levies as applicable
  • Contract Of Sale or current Bank statements
  • Self-employed income declaration or prepayment

     

  • Requirements: Alt Doc Loans
    Applicants must provide a Self-Declaration of income. Then a Choice of
    – Accountants Declaration or
    – Latest 6 months of BAS or
    – 12 months of business banking statements
  • READY TO GET STARTED
CONTACT A JOII LENDING PROFESSIONAL

This Information was last updated: June 2026