Home loans and business finance structured for sole traders, company directors and self-employed professionals.
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Self-employed borrowers often have strong businesses but income that doesn't fit a traditional lending model. Retained profits, trust distributions, company income and variable earnings can make it difficult for lenders using standard PAYG assessment criteria to recognise your true borrowing capacity.
At 3LANE Finance, we help sole traders, company directors and self-employed professionals across Sydney secure finance that's tailored to the way they earn and structure their income. Whether you're buying a home, investing in property, financing business assets or accessing business funding, we compare lenders across our broad panel of lenders to find a solution that's suited to your circumstances.
We understand that not every lender assesses self-employed income in the same way. By presenting your financial position clearly, we help lenders gain an accurate understanding of your business and assess your borrowing capacity on its merits.
Self-employed borrowers often have strong businesses but more complex income structures than PAYG employees. We understand how lenders assess self-employed income and help structure finance that's aligned with your business, financial position and long-term goals.
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 structure and borrowing needs
We understand how lenders assess sole traders, company directors and self-employed professionals. Whether your income comes from business profits, trust distributions, company earnings or alternative income verification, we structure your application to accurately reflect your borrowing capacity.
Not every lender assesses self-employed borrowers in the same way. Before you apply, we identify a range of lenders that want to support a borrower with your income structure and 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 funding needs evolve, we're here to help you review your finance options and plan your next move.
Self-employed borrowers need finance that's built around the way their business operates, not the way a PAYG employee is assessed.
Some lenders require two full years of financials before considering an application, while others take a more flexible approach. Business profits, retained earnings, trust distributions and fluctuating income can all affect how your borrowing capacity is assessed, even when your business is performing strongly.
By comparing lenders across our whole-of-market panel, we help you find a finance solution that's aligned with your circumstances. Whether you've been self-employed for one year or twenty, we structure your application to present your financial position clearly and accurately.
Self-employed borrowers often have more complex income structures than PAYG employees. We simplify the lending process by understanding your financial position, matching you with the right lender and managing your application from start to finish.
We take the time to understand your business, income structure, security and funding requirements. We also consider the factors lenders assess when evaluating self-employed borrowers.
We compare lenders, loan structures and repayment options before you apply. By matching your circumstances with a lender that's suited to your 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 running your business.
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. Self-employed borrowers are assessed differently to PAYG employees. Lender policy varies significantly between lenders. We compare your scenario across our panel to find lenders who are more likely to take a genuine view of your income.
Many lenders assess self-employed borrowers using up to two years of financial information, although some may consider a shorter trading history or alternative income verification. We will confirm which lenders suit your specific situation.
Yes, although this is subject to how income flows from your company or trust structure to you. We help structure your finance applications so that lenders can clearly see how your business income supports your personal borrowing capacity.
Your interest rate depends more on the lender, the loan-to-value ratio and overall risk profile. Some specialist self-employed products may carry a different rate to mainstream products.
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. Many self-employed clients need both. We structure your home and business lending together where it makes sense, rather than treating them as unrelated applications.
Yes. We check in periodically to see whether your current rate, structure and features still suit your business and personal needs. Where appropriate, we can also identify refinancing opportunities as your circumstances or lending needs change.
Talk to 3LANE Finance about home, investment or business lending structured around your self-employed income and financial position.
