Broad lender panel
We compare finance options across major banks and specialist non-bank funders. By matching your property with the right lender, we help you secure finance that's suited to this specialised asset class.
Industry
Boarding House & Accommodation
Specialist finance for boarding houses and rooming accommodation across NSW.
Talk to a brokerBoarding houses and rooming accommodation sit outside standard residential and commercial lending categories. Many mainstream lenders are reluctant to finance these specialised property types, while others apply tighter lending criteria and lower loan-to-value ratios. We assist investors purchasing existing boarding houses, developers constructing purpose-built rooming accommodation and owners looking to refinance, renovate or expand their accommodation portfolio.
3LANE Finance helps boarding house owners and operators across NSW secure finance by comparing lenders across our broad lender panel. We know which lenders understand this specialised asset class and how to present your income, management arrangements and compliance information in a way that supports your application.
Why choose 3LANE Finance
We understand the unique lending requirements of boarding houses and rooming accommodation. By comparing lenders across our broad lender panel, we help you secure finance that's aligned with your property, business model and long-term goals.
Specialist accommodation finance expertise
We understand how lenders assess boarding houses and rooming accommodation, including occupancy, income, zoning and management arrangements. We structure your application around these factors and present your business clearly and accurately.
Smarter lender selection
Boarding houses are assessed differently from many other commercial properties. We compare lenders based on the way they assess this specialised asset, helping you identify the finance solution that's suited to your circumstances.
End-to-end support
From your first conversation through to settlement, we manage your application and liaise with your lender on your behalf. We also stay in touch after settlement to help review and manage your ongoing finance needs.
How we help
Boarding houses and rooming accommodation have unique funding requirements, combining elements of residential property, commercial property and accommodation businesses.
Only a relatively small number of lenders actively finance this specialised property type, and each assesses occupancy, income, zoning and management arrangements differently. By comparing lenders across our broad lender panel, we identify those suited to your circumstances and structure your application around the factors they assess.
- Property finance for purchasing or refinancing a boarding house
- Business loans for site upgrades, amenities and additional facilities
- Working capital finance to help manage seasonal cash flow
A clear path from enquiry to settlement
We help you secure finance that's aligned with your boarding house, your business goals and your long-term growth plans
01
Understand your business
We start by understanding your property, business model, funding requirements and future plans. We also consider the factors lenders assess, including occupancy, income, zoning and management arrangements.
02
Structure the right solution
We compare lenders across our broad lender panel, along with loan structures and repayment options, to identify the finance solution that's suited to your circumstances.
03
Manage your application
We prepare your application, liaise with your lender and manage the process through to settlement. We also stay in touch after settlement to help review and manage your ongoing finance needs.
Run the numbers
Estimate your repayments, borrowing power and stamp duty for your boarding house purchase. 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 assessmentAreas 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.
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FAQs
Quick answers for clients comparing finance options.
Yes, although the pool of lenders who actively finance boarding houses is smaller than for standard residential property. We compare your property, financial position and funding requirements against lenders that are genuinely experienced with this asset type.
Yes. We arrange construction and development finance for purpose-built rooming accommodation, comparing lenders across our panel who have experience with this asset type.
Lenders typically look at your occupancy trends, room rates and any additional revenue streams, alongside your management arrangements and compliance history.
Yes, zoning and permitted use can affect which lenders will finance your property. We factor this into our assessment of your scenario and lender comparison.
Yes. We arrange business and property finance for site upgrades, additional facilities or amenity improvements for your boarding house or accommodation business.
We work across a diverse range of banks and specialist non-bank funders. We work to find the right loan for your boarding house and accommodation business.
Terms vary by lender and the specific asset, and specialised property types can sometimes carry different rates or loan-to-value limits. We will outline your available options once we understand your scenario.
In most cases, no. Our services are typically free to you, as your lender pays us a commission when your finance settles. If a particular scenario ever required a fee, we would explain and agree this with you in writing first.
Yes. We structure working capital finance around your trading patterns and cash flow requirements.
Yes. We check in periodically to see whether your current rate, structure and features still suit your business. We also flag any refinancing opportunities as they arise, rather than waiting for you to ask.
Talk to 3LANE
Need help with boarding houses & accommodation?
Share your goals with the 3LANE team and we will help you understand the lending options that may suit your position.