I was talking with a friend and he said when he's done a terms contact and tried to get finance the bank only wanted to look at his bank statements to see the money coming in and thats as far as they looked. my question is with lease options where 100% of the option fee comes off the price of the property. when trying to get a loan can you count this as income / towards your serviceability? even know its not income as such? (you wouldn't be paying income tax as it's coming off the sale price it'd be taxed at the end when the property was sold and cgt would apply i'm 70% sure thats how it works) if the banks are only going to look at the bank statements and that's it. would this be doable then?