Home loans, commercial property finance and business lending for consultants and professional contractors with contract, project-based or business income.
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Consultants and contractors can generate strong and sustainable income without receiving a conventional salary. Income may be earned through consulting agreements, fixed-term contracts, project work or a company structure, which means lenders do not always assess it consistently.
At 3LANE Finance, we help self-employed professionals across Sydney and NSW arrange home loans, commercial property finance and business lending. We take the time to understand your occupation, income structure, trading history, current contracts and longer-term financial objectives.
Different lenders treat contract income, retained company profits, director wages, distributions and shorter trading histories differently. We compare options across our broad panel of banks and specialist lenders, then present your position clearly using the evidence relevant to your circumstances.
Whether you operate as a sole trader, through a company or as part of an established consulting practice, we structure and present your application around your actual income, contracts and financial position.
We assist:
Consultants and contractors don't earn income the same way salaried employees do. We understand the way your business operates and help present your income to lenders in the strongest possible light.
We compare finance options from lenders and specialist non-bank funders. Rather than being limited to one lender's products, we help you find a finance solution that's suited to your business and financial goals.
We understand how lenders assess contract-based, project-based and irregular income. We structure your application to provide lenders with a clearer picture of your sustainable earning capacity.
Not every lender assesses self-employed borrowers in the same way. Before you apply, we identify the lenders whose policies align with your circumstances, helping improve your chances of approval while avoiding unnecessary applications.
From your first conversation through to settlement, we manage your finance application, liaise with the lender and keep the process moving. As your business grows and your circumstances change, we're here to help you review your finance options and plan your next move.
Consultants and contractors often have strong income but don't fit the traditional lending model. We help you structure finance around the way you work and the way lenders assess self-employed borrowers.
Whether you're paid per project, on contract or through your own business, we present your income in a way that gives lenders a clear understanding of your financial position and borrowing capacity.
Consultants and contractors rarely earn income in a neat monthly salary. Lenders vary in how they assess contract income, average earnings over time, accept future contracts and interpret gaps between projects. We prepare your application to present a complete picture of your business, including your contracts, invoicing history and client relationships. This helps lenders assess your borrowing capacity based on a more complete picture of your income.
We assess your objectives, income structure, contracts, security, timeframe and likely lender-policy considerations.
We compare suitable lenders, loan structures and repayment options before an application is submitted.
We present your position clearly, liaise with the lender and manage the process through to settlement.
Estimate your repayments and borrowing capacity. Results are indicative only; your broker will confirm the figures relevant to your circumstances.
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.
Yes. Many lenders accept consulting, contracting and self-employed income, although their assessment methods and documentation requirements vary. Depending on your circumstances, a lender may consider tax returns, company financials, business activity statements, contracts or other evidence of sustainable income. We compare lenders whose policies align with the way you earn.
Not always. Some lenders may consider a shorter ABN or company history where the applicant has relevant industry experience, continuing contract income and a sound overall financial position. The available options depend on the type of finance, income evidence and lender policy.
Lenders may assess income over a longer period rather than relying on an individual month. Their approach can differ depending on whether you operate as a sole trader, company or contractor. We present your historical earnings, current contracts and business position clearly so the lender can assess the sustainability of your income.
A current contract or letter of engagement may support an application by demonstrating the nature, term and value of your work. However, lenders may also require historical income evidence, financial statements, tax returns or bank statements. We confirm the relevant requirements before preparing the application.
Yes. Income from multiple clients may be considered where it can be properly evidenced and demonstrates a sustainable consulting or contracting business. We help present the combined income position clearly, including the duration and consistency of client engagements.
Lender policies vary significantly. Some assess consultant and contractor income in a similar way to salaried employment, while others rely more heavily on business financials and tax returns. We compare major banks, second-tier lenders and specialist non-bank lenders to identify options suited to your structure and income history.
Yes. We assist consultants and contractors with residential lending, investment loans, commercial property finance, business lending, equipment finance and refinancing. Where personal and business borrowing overlap, we consider the overall structure rather than assessing each facility in isolation.
In many cases, we receive commission from the lender when your finance settles and do not charge a separate broker fee. Some commercial, business or more complex transactions may attract a brokerage or engagement fee. Any applicable fee will be disclosed and agreed with you before we proceed.
A decline from one lender does not necessarily mean every lender will reach the same decision because income-assessment and credit policies vary. However, a decline may also identify concerns relating to serviceability, documentation, credit history or the proposed structure. We review the reason for the decision before determining whether another lender or finance structure may be appropriate.
We can periodically review whether your existing rate, structure and loan features continue to suit your circumstances and discuss refinancing where it may provide a genuine benefit.
Whether you earn through contracts, projects or your own business, we’ll help structure your application and match your income profile with lenders whose policies align.
