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Mortgage and finance brokers in Sydney

Work with a finance broker who gets you.

A specialist finance broker for borrowers who want a lender, a structure and a strategy that fit the way they earn, invest and grow.

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From first conversation to settlement
25+Years of experience
6Specialist lending pathways
Credit Rep 580120Authorised credit representative
ACL 389328Authorised under Australian Credit Licence
MFAA memberIndustry membership
About 3LANE Finance

Your financial position is unique. Your finance strategy should be too.

Every borrower brings a different mix of income, assets, commitments, security and financial goals. Lenders assess those factors differently, which means the right lender and loan structure depend on more than the advertised interest rate.

3LANE Finance supports home buyers, property investors, developers and business owners across residential, commercial, asset, property development and SMSF finance.

We take the time to understand your complete position, identify potential lender policy issues and compare suitable finance options. We then prepare and manage your application through assessment, approval and settlement.

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Our services.

Residential, commercial, asset, property and SMSF lending support for borrowers who need more than a generic comparison.

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Asset finance icon

Asset and Equipment Finance

Funding solutions designed to help you acquire the equipment and resources you need to grow your business.

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Commercial finance icon

Commercial Finance

Commercial property, business and cash-flow finance structured around the way your business operates. We help business owners, operators and investors compare banks and specialist funders for acquisitions, property purchases, expansion, equipment and working capital.

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Residential finance icon

Residential Finance

Funding solutions designed to help individuals purchase, refinance or manage residential properties.

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Property investment icon

Property Investment Finance

Flexible finance solutions designed to support your property investment goals and long-term success.

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Property development icon

Property Development Finance

Bespoke finance solutions tailored to your property development project's scale, complexity and funding profile.

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Self managed super fund finance icon

Self Managed Super Fund

Specialist lending solutions designed to help your self managed super fund buy commercial property or business premises.

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3LANE team and clients
Why choose 3LANE

Specialist lending experience for decisions that matter

From buying a home or commercial property to funding business growth or a development project, we assess your complete financial position, borrowing requirements and longer-term objectives before recommending a lender and loan structure.

  • Former commercial and residential bankers with more than 20 years’ finance experience
  • Specialist expertise across residential, commercial and complex lending
  • Access to major banks, non-bank lenders and specialist funders
  • A policy-led approach to lender selection and loan structuring
  • Experience supporting transactions from $500,000 to more than $100 million
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A calmer way through finance.

A better lending experience is less about one flashy rate and more about removing surprises before the application reaches a lender.

01

Understand the scenario

We map your goals, income, security, timing and any lender policy pressure points.

02

Shape the strategy

We compare lender appetite, structure, repayments and approval pathways before you apply.

03

Manage the application

We prepare the application, coordinate the lender process and stay close through settlement.

Industries we support

Different industries operate under different revenue models, asset requirements and lender expectations. We understand those distinctions and structure finance around the way your business operates and grows.

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Industry

Aged Care Finance

Finance solutions for aged care providers balancing compliance, staffing, property and growth, with specialist finance advice to help you secure funding that's aligned with your organisation's needs.

Industry

Boarding House and Accommodation

Specialist finance for boarding houses and rooming accommodation across NSW.

Industry

Childcare Centres

Specialist finance for childcare centre acquisitions, freehold property, developments, fit-outs, equipment and working capital.

Industry

Consultants and Contractors

Home loans, commercial property finance and business lending for consultants and professional contractors with contract, project-based or business income.

Industry

Debtor and Invoice Finance

Finance that turns unpaid invoices into working capital, helping your business manage cash flow and continue growing.

Industry

Dental and Specialist Clinics

Finance for dental and specialist clinics across Sydney, including practice acquisitions, fit-outs, equipment and commercial premises.

Rated 5 stars by Sydney borrowers.

We're proud of the relationships we build. Here's what clients say about working with the 3LANE Finance team on Google.

Google Reviews
5.0

Based on 30+ reviews

Read our reviews
  • Deonie Mendes

    HIGHLY RECOMMEND! George and Maria were very helpful in getting our home loan approved. Maria also refinanced my previous home loan and got me a better rate. Both George and Maria answered all of our questions, and communicated frequently with updates as we we…

    Read on Google
  • Leo Sprague

    I recently had the pleasure of working with George Louca and his team at 3LANE Finance, and I couldn't be happier with the service I received. From start to finish, the process was seamless. George was incredibly efficient in handling all aspects of the applic…

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  • Spencer Dezart-Smith

    I can't recommend this 3LANE Finance team highly enough. We worked with Maria to make our dream of buying our first home a reality. She was exceptional in her support and customer service. She guided us through every step of the way with such care and compassi…

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  • Peter Pikis

    George and Maria have provided solid ongoing support for our financing arrangements. They have applied their depth of experience and impressive industry connections in coming up with tailored solutions to various challenges. We are very grateful for their guid…

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  • Emma Laureti

    Maria has guided me through the process of restructuring my home loan after the separation of myself and my ex partner. She has gone above and beyond to find the best Mortage solution for me. I could not be happier with the outcome Maria has provided me in suc…

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  • Dr. Furella

    Recently got my loan approved through 3LANE Finance. George Louca and Maria Gatsos were very helpful with good customer service, communication and just making the whole process hassle free. I highly recommend them to anyone who is looking for the perfect broke…

    Read on Google
Calculators

Run the numbers.

Estimate repayments, borrowing power and stamp duty in seconds. Indicative only — your broker will confirm the real figures.

Monthly repayment$4,497
Fortnightly$2,075
Weekly$1,038
Total interest$868,786

Estimates only — not a quote, credit assessment or finance approval. Figures exclude fees and assume principal & interest repayments. Stamp duty uses NSW general rates, which are indexed and may change. Speak to a 3LANE broker for numbers specific to your situation.

Get a tailored assessment

Meet the 3LANE team

Experienced finance professionals with expertise across commercial banking, residential lending, credit analysis and relationship management.

Frequently asked questions.

Clear answers to common questions about finance options, lender selection and working with 3LANE Finance.

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3LANE Finance assists with a broad range of lending needs, including commercial property, business, residential and investment property, asset and equipment, property development, working capital and SMSF finance. We work with business owners, property investors, developers, professionals and families to structure finance around their circumstances and objectives.

A bank can generally only offer solutions within its own lending policies and products. 3LANE Finance can assess your requirements across a broad panel of banks and specialist lenders, comparing factors such as lending policy, structure, pricing and overall suitability before recommending an approach aligned with your needs.

We start by understanding your circumstances, objectives and borrowing requirements. From there, we assess suitable lending structures and lender policies, compare relevant options and recommend a strategy. Once you decide to proceed, we prepare and manage your application through assessment, approval and settlement, with ongoing support available as your finance needs evolve.

The right lender isn't always the one offering the lowest advertised rate. We consider your borrowing requirements, financial position, security, objectives and timeframe alongside lender policy, structure, pricing and servicing requirements. We then recommend suitable options based on the overall fit for your circumstances.

Ideally, speak with us before committing to a purchase, refinance, investment or major business decision that requires funding. Early involvement gives us more time to assess borrowing capacity, identify potential lending issues, consider suitable structures and understand which lenders may be appropriate. However, we can also assist when a transaction is already underway or an existing finance structure needs to be reviewed.

Finance insights & resources.

Practical lending guides and lender policy explainers from the 3LANE Finance team.

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Blog

6 Commercial Finance Mistakes Sydney Businesses Should Avoid

Applying for commercial finance is about far more than simply getting approved. In this article, discover the six biggest mistakes businesses make when applying for commercial finance, how lenders assess risk, and why preparation, lender selection and loan structure can significantly influence the outcome. Learn how an experienced commercial finance broker can help position your application, reduce delays and secure finance that supports your long-term business growth.

31 July 2026Blog

Why Sydney businesses use commercial loan brokers instead of banks

Many Sydney businesses now choose to work with a commercial loan broker before approaching a bank. Learn how commercial finance brokers compare lenders, structure business and commercial property finance, reduce unnecessary credit enquiries and help businesses secure lending solutions aligned with their long-term objectives.

31 July 2026Blog

Why relationship banking matters in commercial lending

Discover why relationship banking is critical in commercial lending and how an experienced commercial finance broker can help businesses secure the right finance for long-term growth.

31 July 2026

Let's structure your next finance move.

Tell us about your goals and a 3LANE broker will be in touch. Prefer to drop in? Find us in Marrickville.

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