Home, business and commercial property finance for accountants, lawyers, engineers, architects and other professional services firms and partners.
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Professional services firms and their partners are among the most attractive borrowers for many lenders. Eligible professions may benefit from preferential lending, including competitive interest rates, higher lending ratios and, in some cases, LMI waivers. However, each lender has its own policies and assesses professional income structures differently.
At 3LANE Finance, we help accountants, lawyers, engineers, architects and other professional services firms and partners access finance that's tailored to the way they earn and structure their income. Whether you're buying a home, purchasing commercial premises, investing in property or growing your practice, we compare lenders across our broad lender panel to find a solution that's suited to your circumstances.
We understand that partnerships, trusts, company profit distributions and other business structures aren't assessed the same way as PAYG employment. By presenting your income and business structure clearly, we help lenders gain an accurate understanding of your financial position and borrowing capacity.
Who we help
We work with professionals, partners and established firms across a range of professional services industries, including:
• Accountants and accounting firms
• Lawyers and legal practices
• Engineers and engineering consultancies
• Architects and architectural practices
• Financial advisers and professional advisory firms
• Business and corporate advisory firms
• Partners and directors of professional services firms
• Established professional partnerships and practices
Whether you're a partner, director or practice owner, we structure finance around your profession, income structure and business objectives.
Professional services firms and their partners often have strong borrowing potential, but different lenders assess partnership structures, trust income and business profits in different ways. We understand these differences and help structure finance that's aligned with your profession, income and long-term goals.
We compare finance options from a broad range of 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 profession, business structure and financial objectives.
We understand how lenders assess partnership distributions, trust income, company profit distributions and other professional income structures. We structure your application to accurately reflect how income flows to you and your business.
Not every lender assesses professional services firms in the same way. Before you apply, we identify the lenders whose lending criteria match your profession, income structure and borrowing goals, 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 career, practice or investment portfolio grows, we're here to help you review your finance options and plan your next move.
Professional services firms need finance that's built around the way partners, directors and businesses are structured, not just how much income they generate.
Partnership agreements, profit-sharing arrangements, trust distributions and company profits can all affect how lenders assess borrowing capacity. We understand these structures and present your financial position in a way that accurately reflects your circumstances.
Whether you're arranging a home loan as a partner, purchasing commercial premises for your firm or funding business growth, we compare lenders across our whole-of-market panel to find a finance solution that's aligned with your profession and long-term goals.
Professional services firms and their partners often have more complex income structures than standard PAYG employees. We simplify the lending process by understanding your circumstances, matching you with the right lender and managing your application from start to finish.
We take the time to understand your profession, business structure, income, security and funding requirements. We also consider the factors lenders assess when financing professional services firms and their partners.
We compare lenders, loan structures and repayment options before you apply. By matching your circumstances with a lender that's suited to your profession and income structure, we help improve your chances of approval and secure finance that supports your long-term goals.
We prepare your application, liaise with the lender and keep the process moving through to settlement. With 3LANE Finance managing the details, you can stay focused on your clients, your practice and your future.
Estimate your repayments and borrowing power. Indicative only. Your broker confirms the real figures.
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, although lenders assess partnership distributions differently. We help present your share of firm income clearly, including how it has trended over recent years, to support your application.
Yes. Commercial property finance for professional services firms buying owner-occupied premises is a common lending need. We structure this around your firm's serviceability and security.
Trust distributions are treated differently across lenders, with some requiring a longer history of consistent distributions than others. We compare your scenario against lenders who are more comfortable with trust-structured income.
Yes. We help structure finance for partner transitions, including buy-ins and buy-outs, working alongside your firm's accountant and legal adviser where relevant.
Yes. We arrange asset and equipment finance for professional services firms, from office fit-out through to specialist technology and equipment relevant to your practice.
We work across a diverse panel of lenders and specialist non-bank funders. We work to match your professional services business to the right lender.
It depends on the lender and the overall strength of your application. Some lenders place more weight on the firm's track record than an individual partner's tenure, which we factor into our lender comparison.
In most cases, we do not charge you a separate broker fee, as we receive commission from the lender when your finance settles. If a fee applies to your particular transaction, we will disclose and agree it with you before proceeding.
Yes, where it's useful. Firm and partner lending often benefits from close coordination with your accountant. We're happy to work alongside them throughout the process
Yes. We check in periodically to see whether your current rate, structure and features still suit your business and your future plans.
Whether you’re buying a home, investing in property, purchasing business premises or growing your firm, we’ll help structure finance around your profession, income and long-term goals.
