Our Lenders
We work with trusted brokers to give you access to a panel of leading lenders well placed to meet your needs at the lowest rates.
With a landlord loan and factoring, you can borrow up to £10,000 against your rental income, allowing you to undertake property renovations, improve energy efficiency, cover unforeseen expenses or expand your investment portfolio.
Proper Finance is here to provide the support and flexibility you need to thrive in today’s competitive rental market. Contact us today to learn more about our landlord finance solutions and take the next step towards unlocking your property’s potential.
What is a Landlord Loan?
A landlord loan provides you with quick access to funds against your rental income. It’s a financial solution designed to address your immediate cash flow needs, allowing you to cover expenses or make property improvements without delay.
Our partner lender can offer flexible repayment terms, ensuring that you can manage your finances effectively while maintaining stability in your property investments.
What is Landlord Factoring?
Landlord factoring is a service where you are provided with immediate cash based on verified proof of your future rental income. This form of borrowing enables you to convert your expected rent payments into instant funds without accumulating additional debt.
Using this form of finance you can address pressing financial needs or invest in property enhancements to attract quality tenants and maximise your returns.
What Can a Landlord Loan Be Used For?
Our landlord loans offer versatility in usage, empowering you to make strategic financial decisions for your property portfolio. You can use the funds for various purposes, including:
- Property renovations, refurbishments and repairs
- Enhance tenant satisfaction
- Increase property value
Additionally, landlord loans can cover personal expenses including:
- Emergency repairs
- Legal fees
- Property taxes
- Unexpected financial obligations
Get in touch today to explore your options with factoring to ensure that you can maintain financial stability and promptly address unforeseen challenges with your property portfolio.
What Are The Eligibility Requirements For A Landlord Loan?
- Provide the relevant documents to show proof of residence and identification e.g proof of address, government ID etc.
- Show proof of rental agreements and payments
- Choose how much you wish to borrow or rent that you want to sell upfront.
- Await checks by our partners
- Once approved, receive funds in 24-48 hours
We understand that each landlord’s situation is unique, which is why we carefully consider individual circumstances to ensure our services are tailored to your specific needs. The process is designed to avoid hard credit checks therefore you can still apply to borrow even if you are worried about a history of bad credit.
So whether you’re a seasoned landlord or just starting in the property market, we’re here to provide you with the financial support you need to succeed.
How Much Money Can I Access Upfront as a Landlord?
You can access up to £10,000 upfront against your future rental income. The amount you qualify for depends on various factors, including your rental income, property evaluation and financial stability.
Our goal is to provide you with the necessary funds to address your immediate financial needs while ensuring that you can continue to manage your property portfolio effectively.
There are also flexible repayment terms over 6-18 months, allowing you to spread the repayments over a timeframe that suits your cash flow requirements, ensuring that you can maintain financial stability while pursuing your property investment goals.
How Quickly Can I Receive My Landlord Loan?
Our process for providing rent advances is streamlined and efficient, ensuring that you can access the funds you need as quickly as possible. Once you’ve submitted all required documentation, including a signed tenancy agreement and proof of identification, your request will be processed.
You can expect to receive your funds promptly after agreement on the terms, allowing you to address your financial needs quickly.
How Much Will Landlord Factoring Cost Me?
You will be charged a competitive monthly factoring fee, adjusted based on the length of your loan terms. Additionally, there’s an arrangement fee associated with factoring services.
We maintain transparency in the pricing to ensure you understand the costs involved upfront. Our goal is to provide you with cost-effective financial solutions that offer tangible benefits and support your long-term success as a property investor.