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Rental Income, Not Property Equity
An unsecured business facility supported by a personal guarantee, assessed against contracted rent rather than a new charge on your property.
Contracted Rental Income · Landlord Rent Advance
Landlord Rent Advance: Turn Contracted Rent into Upfront Capital
Access £1,000 to £75,000 of future rental income in 24–72 hours without touching your low fixed-rate BTL mortgage, paying early repayment charges, or registering charges on your title deeds.
Estimate My Rent Advance
No credit bureau searches at this initial stage.
Why rent factoring
Release capital without refinancing the property
Convert contracted rent into working capital while the tenancy and existing mortgage continue.
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Protect Low Fixed Mortgage Rates
Avoid breaking your current 2% or 3% fixed-rate BTL mortgage or paying thousands in Early Repayment Charges (ERCs).
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Speed to Payout (24–72 Hours)
No property valuations, no legal conveyancing and no bank underwriting delays. Receive funds in days.
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In-Situ Tenant Friendly
Fund EPC upgrades or refurbishments without needing vacant possession or Section 21 evictions under the Renters' Rights Act.
Interactive calculator
Estimate your available rent advance
Adjust the total portfolio rent roll and advance period to model the future rental income available upfront.
Combine the total monthly rent roll across all your rental properties
£
£500£50,000+
Advance period
2
1 unit20+ units
Stored for lead context only. The calculation uses Total Monthly Portfolio Rent directly.
Indicative advance
6-month rental period
| Gross rental period total | £15,000 |
|---|---|
| Upfront cash before fees | £15,000 |
| Monthly rent allocation | £2,500 / month |
No credit bureau searches at this initial stage.
Indicative illustration only. The cash figure is contracted rent before provider fees, capped at £75,000 per borrower. Monthly allocation is the illustrated advance divided by the selected period; actual repayments include provider costs. Eligibility, fees, payment timing and collection arrangements are subject to assessment and the final offer.
Compare your options
Rent Advance vs First-Charge Remortgage vs Second-Charge Loan
Access working capital without replacing your mortgage or adding a new property charge.
| Criteria | Landlord Rent Advance | First-Charge Remortgage | Second-Charge Loan |
|---|---|---|---|
| Time to Cash | 24–72 hours | 4–8 weeks | 3–6 weeks |
| Valuation Requirements | None | Full Red Book valuation | Full Red Book valuation |
| Title Deed Charges | None (personal guarantee) | Legal first charge | Legal second charge |
| Mortgagee Consent | Not required for an unsecured facility | Existing mortgage repaid / replaced | Required from the existing lender |
| Underwriting Basis | Contracted rental income | Property valuation and affordability | Available equity and affordability |
| Valuation Fees | None (£0) | Typically £400–£1,500+ | Typically £400–£1,000+ |
| Legal Representation | No conveyancing required | Legal representation required | Legal representation required |
| Impact on Existing Mortgage | Existing rate retained | Replaced; early repayment charges may apply | Remains, subject to mortgage covenants |
Timescales and fees are indicative, not guaranteed. The unsecured facility does not require mortgagee consent for a property charge; check any restrictions on assigning rent in your existing agreements.
Qualification
Qualification & Underwriting Benchmarks
Assessment focuses on your contracted rental flow, tenancy quality and ability to meet the agreed repayments.
Eligible properties
- Residential properties with Assured Shorthold Tenancies (ASTs) or corporate lets, subject to current tenancy legislation.
- Commercial leases with monthly rental schedules and at least 12 months unexpired.
- Single buy-to-let properties and multi-property residential or commercial portfolios.
Landlord requirements
- UK-resident individuals and UK SPV limited companies accepted.
- Active rental collection history verified through secure Open Banking.
- Clean credit history: no CCJs or defaults, settled or unsatisfied, within the past six years, subject to provider checks.
- Facilities from £1,000 to £75,000 per borrower, for up to 12 months.
Unsecured business facility supported by a personal guarantee. No charges are registered against property title deeds during the ordinary course of borrowing. Not regulated by the Financial Conduct Authority where entered into for business or investment purposes. You remain responsible for repayment; a personal guarantee can put your personal assets at risk if the facility is not repaid.
Practical landlord uses
Put future rent to work today
Choose a common landlord objective to see where an advance can support near-term cashflow.
Use case 01
EPC Band C Compliance
Fund insulation, heating and glazing for EPC Band C improvements as part of your Warm Homes Plan and Renters’ Rights Act preparation. Check the rules and deadlines that apply to your property.
No credit bureau searches at this initial stage.
How it works
From rent roll to cash in four steps
A straightforward assessment and electronic completion process designed around occupied rental property.
1. Quick Tenancy Assessment
Provide your active AST, corporate letting agreement or commercial lease and verify rental collection through secure Open Banking.
2. Receive Tailored Offer
The provider assesses verifiable net rental flow and affordability, then provides a tailored upfront cash amount, fees and repayment schedule.
3. Fast Funds Disbursement
Sign electronically; cash reaches your bank account in one to three business days.
4. Automatic Monthly Repayment
Monthly repayments are collected by direct debit from your designated business account, serviced from ongoing rent receipts.
Knowledge base
Plan the wider portfolio strategy
Compare compliance, short-term project funding and longer-term capital release routes.
The 2030 EPC Countdown Guide
Navigate Fabric First metrics, £10,000 cost caps and the Renters' Rights Act before 2030.
ExploreRefurbishment & Conversion Hub
Compare Rent Advance against 95% Day 1 Bridging and Staged Heavy Refurb Drawdowns.
ExploreSecond Charge Mortgages
Need larger long-term capital for heavy works? Explore second charge loans sitting behind your main mortgage.
ExploreProduct questions
Landlord Rent Advance FAQs
Key points about structure, mortgage permissions, tenancy changes and portfolio applications.
FCA Registration #660207 | NACFB Full Member