A broad choice of lenders
We compare suitable home loans from banks, non-bank lenders and specialist funders across our lending panel.
Service
Home Loans
Compare home loan options and lenders for buying your first or next home, refinancing, renovating or building.
Talk to a broker
The right home loan is about more than the headline interest rate. Borrowing capacity, repayment options, offset accounts, loan features and lender policy can all affect what you can borrow, what you repay and the flexibility you retain.
Whether you are buying, refinancing, renovating or building, 3LANE Finance takes the time to understand your income, commitments and property goals. We compare suitable lenders and structure the application around your circumstances, helping you make a clear and informed borrowing decision.
Why choose 3LANE Finance
Home loan guidance built around your circumstances
Structure beyond the interest rate
We consider repayments, fixed and variable options, offset accounts, loan splits and flexibility not just the headline rate.
Support from enquiry to settlement
We explain your options clearly, prepare the application and coordinate with the lender and other parties through to settlement.
End-to-end support
From first chat to settlement, we manage the process and the lender for you.
How we help
Whether you are buying, refinancing, renovating or building, we help you understand your borrowing position and choose a home loan structured around your plans.
- Buying your first or next home: Understand your borrowing capacity, deposit requirements, likely costs and suitable lender options before making your move.
- Refinancing an existing home loan: Review your current rate, repayments, features and loan structure to determine whether refinancing could provide a better fit.
- Building or renovating: Structure finance around your project, available equity, construction costs and the lender’s progress-payment requirements.
A clear path from enquiry to settlement
A straightforward home loan process with clear guidance, informed choices and ongoing support at every stage.
01
Understand your circumstances
We discuss your property plans, income, deposit or available equity, existing commitments and preferred timeframe. We then assess your borrowing position and identify any lender-policy considerations.
02
Compare and structure your options
We compare suitable lenders, interest rates, loan features and repayment structures. You receive a clear recommendation based on your circumstances, priorities and longer-term plans.
03
Manage your application
We prepare and lodge the application, respond to lender requirements and keep you informed as it progresses. We then coordinate the approval and loan documentation through to settlement.
Run the numbers
Estimate repayments, borrowing power and stamp duty. 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.
Your borrowing capacity depends on your income, living expenses, existing debts, deposit, credit history and the lender’s assessment criteria. Different lenders may assess the same circumstances differently, so we compare suitable lender policies and provide an indicative borrowing assessment before you apply.
The deposit required depends on the property, loan amount, lender and your financial position. A larger deposit can provide access to more lender options and may help you avoid lenders mortgage insurance. We can calculate the deposit, purchasing costs and potential loan amount relevant to your circumstances.
A fixed rate can provide repayment certainty for the fixed period, while a variable rate may offer greater flexibility and access to features such as an offset account or additional repayments. A split loan combines fixed and variable portions. The appropriate structure depends on your budget, priorities and plans for the property.
Refinancing may be worth considering when your interest rate is no longer competitive, your loan features do not suit your needs or you want to restructure debt or access available equity. We compare the potential benefits against discharge costs, application fees, break costs and any lenders mortgage insurance before recommending a change.
Home loan brokers are generally paid a commission by the lender when a loan settles. Any commission, broker fee or other cost applicable to your circumstances will be explained and disclosed before you proceed, allowing you to make an informed decision.
Talk to 3LANE
Ready to make your next home loan move?
Whether you are buying, refinancing, renovating or building, speak with a 3LANE Finance broker to compare suitable lenders and structure a home loan around your circumstances.