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Industry

Short-Term Rentals / Airbnb Operators

Finance for Airbnb and short-stay operators whose income many banks discount or ignore entirely.

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Business owners working with a finance broker

Short-stay income can outperform a long lease and still be discounted to zero by the wrong lender. Policy on Airbnb income varies more than almost any other area of lending.

We place your scenario with lenders who count short-term rental income fairly, whether you're buying, refinancing or expanding a portfolio.

Why choose 3LANE Finance

A specialist broker that understands your scenario and presents it to lenders in the best possible light.

Whole-of-market lender panel

We compare Tier 1 banks, non-bank lenders and specialist funders — not a single bank's range.

Specialist, not generalist

We structure finance around the way you earn, invest and grow.

Policy-first approach

We match your profile to the lenders most likely to approve it, before you apply.

End-to-end support

From first chat to settlement, we manage the process and the lender for you.

How we help

We look at the deal from the lender's point of view and prepare the application around the evidence they need to assess it properly.

  • Borrowing capacity and lender policy review
  • Loan structure and repayment strategy
  • Bank, non-bank and specialist lender comparison

A clear path from enquiry to settlement

A calmer lending experience that removes surprises before your 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 and repayments before you apply.

03

Manage the application

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

Run the numbers

Estimate repayments, borrowing power and stamp duty. Indicative only — your broker confirms 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

Areas we service

Based in Marrickville, we support borrowers across Sydney and NSW — in person or remotely.

  • Marrickville
  • Inner West
  • Sydney CBD
  • Eastern Suburbs
  • North Shore
  • Northern Beaches
  • Parramatta
  • Greater Western Sydney
  • Sutherland Shire
  • Across NSW

Related pages.

Explore related services and industries we support.

Residential FinanceCommercial FinanceAsset & Equipment FinanceProperty Investment FinanceProperty Development FinanceSMSF Lending

Client feedback.

“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 went along. They are both dedicated and friendly people who looked out for our best interests. Thank you for your service. I will definitely recommend you to all our family and friends.”

Deonie Mendes

“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 application, making what could have been a stressful experience easy and straightforward. I highly recommend George Louca and 3LANE Finance, which is backed by an amazing team, for anyone in need of a mortgage broker who is professional, knowledgeable, and truly dedicated to their clients.”

Leo Sprague

“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 compassion and ended up getting us a great outcome. We felt very supported at all times and just yesterday settled on our first property! If we are ever in the market for a new property, she will be the first person we call.”

Spencer Dezart-Smith

“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 guidance and would recommend them to others for their banking matters.”

Peter Pikis

“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 such a tough time of vulnerability.”

Emma Laureti

“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 brokers.”

Dr. Furella

FAQs

Quick answers for clients comparing finance options.

Ask a question

Yes. Our team compares lender policy, loan structure, security, cash flow and the broader borrowing scenario before recommending a pathway.

We work across banks, non-bank lenders and specialist funders so clients can access options that suit their profile and objectives.

A broker will review your goals, ask for the right supporting information and outline the lender options and next steps that make sense for your situation.

Talk to 3LANE

Need help with short-term rentals / airbnb operators?

Share your goals with the 3LANE team and we will help you understand the lending options that may suit your position.

Enquire about Short-Term Rentals / Airbnb Operators