Build your property portfolio without losing sight of your next borrowing decision. We compare investment loan structures across a broad panel of lenders, helping first-time and experienced investors manage serviceability, equity and future borrowing requirements.
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As your property portfolio grows, lender selection and loan structure can materially affect your flexibility and future borrowing capacity.
As you add investment properties to your portfolio, lenders assess your existing debt, rental income and future borrowing capacity differently. The property finance structure that worked for your first property purchase may not suit your third or fourth.
3LANE Finance helps property investors across Sydney and NSW compare investment loan options from major banks, non-bank lenders and specialist funders. We structure applications around the way different lenders assess existing debt, rental income and multiple-property portfolios.
Whether you are purchasing your first investment property, refinancing to release equity for your next purchase or restructuring your investment property portfolio, we look at your full financial picture rather than treating every purchase in isolation.
We assess investment lending at portfolio level not simply one property at a time. That means considering how the proposed loan, lender and security structure may affect refinancing flexibility and future borrowing requirements. Led by former bankers with experience assessing complex lending structures, 3LANE Finance presents your application with a clear understanding of the information lenders require.
We compare your investment loan options across major banks and specialist non-bank funders. Serviceability policies for investors vary significantly between lenders, allowing us to identify suitable options across different lender categories.
Lenders apply different rental income shading, servicing buffers and portfolio limits. We match your scenario against the lenders most likely to support your next purchase before you begin the application process.
From your first purchase to growing your multi-property portfolio, we manage the lending relationship over time and flag refinancing or restructuring opportunities as your portfolio grows.
We start by understanding your property goals and the lenders available to you. Then, we compare your options across our panel of lenders. Once you’ve chosen your preferred lender, we prepare and lodge the application and manage the lender relationship through to settlement.
Whether you’re purchasing your first investment property or expanding an established portfolio, we compare finance options suited to your current circumstances and longer-term borrowing plans.
We take the time to understand your existing property portfolio, borrowing capacity, rental income and long-term objectives. As your portfolio grows, we also consider how lenders assess your overall debt position and future borrowing capacity.
Where appropriate, we can consider using multiple lenders to manage concentration risk, preserve refinancing flexibility and support future borrowing requirements.
We prepare your application, liaise with your lender and manage the process through to settlement. As your portfolio grows, we continue reviewing your finance to help ensure it remains aligned with your investment objectives.
Results are indicative only and do not represent loan approval, financial advice or a quote. Final borrowing capacity and repayments depend on lender assessment and loan terms. Confirm applicable duties and transaction costs with your solicitor, conveyancer or tax adviser.
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 assessmentBased in Marrickville, we support borrowers across Sydney and NSW — in person or remotely.
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Quick answers for clients comparing finance options.
An investment property loan broker compares your lending options across multiple lenders. We structure your finance around how each lender assesses your existing debt, rental income and future borrowing capacity, rather than treating every purchase in isolation. This matters more with each additional asset you add to your investment property portfolio.
Most lenders only count a percentage of your rental income toward your borrowing capacity and apply a servicing buffer above the actual interest rate. This varies between lenders. Comparing your scenario across a broad panel of lenders may produce different borrowing-capacity outcomes because lender policies vary.
In many cases, yes. Releasing equity from an existing property is a common way to fund your deposit on an investment property, subject to your overall borrowing capacity and the lenders’ credit policies.
This depends on your unique circumstances. Some property investors benefit from consolidating with one lender for simplicity. Other property investors prefer to spread their borrowing across multiple lenders to manage serviceability as a portfolio grows. We assess the available structures based on your existing portfolio, borrowing requirements and longer-term objectives.
Cross-collateralisation can simplify a portfolio’s lending arrangements, but it may reduce your flexibility when selling or refinancing an individual property because the lender controls multiple securities. Keeping loans and securities separate may provide greater flexibility, although it can involve more facilities and lenders. We assess the lending implications based on your portfolio and objectives; you should obtain legal and tax advice where appropriate.
Interest only structures are available from many lenders for investment properties, subject to serviceability and lender policy. We can compare interest only structures against principal-and-interest structures to see which option better supports your cash flow and property investment strategy.
From 10 August 2026, SMSFs generally cannot enter into a new limited recourse borrowing arrangement to acquire residential property. Existing qualifying arrangements and certain transactions covered by the transitional rules may continue, and SMSFs may still be able to borrow for qualifying business real property. Because the rules are technical, borrowers should obtain specialist legal, tax and financial advice before proceeding.
There is no fixed limit, although your ability to keep borrowing depends on serviceability, equity and each lender's credit policies. Experienced investors often work across several lenders to manage this over time.
In most cases, 3LANE Finance does not charge the borrower a direct broker fee because we receive commission from the lender following settlement. Lender fees and other transaction costs may still apply. If we need to charge a broker fee, we will disclose and agree it with you in writing before proceeding.
We conduct periodic reviews and can assess refinancing or restructuring opportunities based on your circumstances and the lender options available at the time.
We’ll review your existing facilities, property securities and future borrowing plans before discussing suitable lender and loan-structure options.
