Skip to content
GLOSSARYTERMS AS A CREDIT DESK USES THEM

Rent roll (tenancy schedule)

What is a rent roll, and what does a property lender read in it?

ONE OF 366 TERMS · FREE · NO SIGNUP

BY MICHAEL SHANG · SIXTEEN YEARS IN COMMERCIAL BANKING · UPDATED

// THE SHORT ANSWER

A rent roll is the schedule of every tenancy in a property: tenant, space, rent, lease start and expiry, rent reviews, break options, incentives and arrears. It is the property lender's working document for an investment loan, the place where the income behind the valuation can be checked lease by lease. A desk reads it for reliance on one tenant, expiries bunched within the loan term, rents held up by incentives such as rent-free periods, arrears, and tenants related to the borrower, then checks it against the leases themselves, because a rent roll is prepared by the party asking for the loan.

BASIS  Practitioner judgment from sixteen years in commercial banking, set out in How Bankers Think (Highbank Press, 2026). Every borrower on this site is a composite constructed for teaching, not a client. The market is mid-market commercial lending as practised in New Zealand and Australia; where a convention differs elsewhere, the page says so.

// WORKED IN

// NEXT TO IT

PROPERTY AND DEVELOPMENT

All 366 terms on one page