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Landlord Loans and Factoring

Immediate Cash Access for Your Rental Income Needs

Deedle Finance has partnered with Factored to help landlords release cash from their future rental income. Access up to £10,000 repaid over 18 months. for household repairs, energy upgrades or to boost your property portfolio. Decisions can be made on the same day and funding is available in 2-3 working days.

Repayment example: Borrow £5,000 over 18 months, monthly repayments of £350.57, total interest charged £1,310.25 and total repayable £6,310.25 at 1.46%

Partnered With:

factored logo


We have partnered with Factored to assist landlords across the UK.

Key Features

  • Borrow up to £10,000
  • Rates from 1.46%
  • Repaid in equal monthly payments
  • Based on future rental incomes
  • No hard credit checks
  • Flexible repayment facility
  • Early repayment with no added fees
  • Free to apply
  • Funding in 2-3 business days

What Are Landlord Loans and Factoring Services?

Our landlord loan and factoring service is a financing tool specifically designed for property owners who rent out their properties. It allows landlords to borrow money against the value of their future rental income. This provides immediate access to cash, which can be used for various purposes, such as:

  • Retrofitting
  • Refurbishments
  • Covering service charges
  • Maintenance and repairs
  • Fulfilling tax obligations

Landlord loans can come with flexible terms and more addordable fees than tradtional financing options.  They do not typically require hard credit checks, making them accessible even for borrowers looking to protect their credit score.

What are the Uses of a Landlord Loan?

A landlord loan can be used for various purposes to enhance your property portfolio and financial stability. Possible uses include:

Property Improvements
Fund refurbishments, renovations and repairs to maintain high-quality living standards and increase the value of your property.
Energy Efficiency Projects
Invest in upgrades for your property to improve energy efficiency, reduce your environmental impact and meet government standards.
Personal Expenses
Cover emergency property repairs, legal fees, property taxes and other unexpected financial obligations.

Am I Eligible for a Landlord Loan?

You may be eligible for a landlord loan if you meet the following criteria:

  1. You must own rental property, whether residential or commercial.
  2. You should have a steady rental income, which will be used to secure the loan.
  3. You need to provide signed tenancy agreements to demonstrate your rental income.
  4. While many lenders offer landlord loans without hard credit checks, a good credit history can improve your eligibility and loan terms.
  5. The property should be in good condition and comply with local regulations, including Energy Performance Certificate (EPC) ratings where applicable.

What is Landlord Factoring?

Landlord factoring, also known as landlord finance, allows landlords to convert their future rental income into immediate cash. Instead of taking on a traditional loan, landlords effectively sell their expected rental income to a factoring company in exchange for an upfront lump sum payment.

Key features:

  • Immediate Cash Access: Provides landlords with a lump sum payment against their future rental income.
  • Cash Flow Management: Helps in managing cash flow more effectively by receiving monthly installments.
  • No Additional Debt: Unlike traditional loans, factoring is not considered debt. It involves the sale of future rents receivable, keeping additional liabilities off the balance sheet.
  • Investment in Property: Allows landlords to promptly invest in property upgrades, maintenance and repairs, ensuring properties remain competitive and attractive to tenants.

How Much Cash Can You Access With Landlord Factoring?

With our landlord loans and factoring services, you can access up to £10,000 upfront, regardless of your portfolio size. Flexible repayment terms allow you to spread the repayments over 6 to 18 months in manageable monthly installments.

How Quickly Can I Get a Landlord Loan?

Our process for rent advances is designed to be fast and straightforward. Simply provide a signed tenancy agreement and relevant documents such as proof of address and government-issued identification.

Once the terms are agreed upon, you’ll receive your lump sum payment promptly, with a portion of your future rent allocated towards the agreed repayment term.

What Is The Cost Of Landlord Factoring?

Our services come with competitive monthly factoring fees, adjusted based on your loan terms. An arrangement fee will also apply for the factoring services.

Unlock the potential of your rental income today with our landlord loans and factoring services. Contact us to learn more about how we can help you achieve your financial goals and succeed in your property investments.

How Much Will a Landlord Loan Cost Me?

The longer you keep the loan for, the lower the interest rate is, but the more you will pay overall (because you have held onto the loan for longer).

Borrow £5,000 over 6 months, monthly repayments of £947.83, total interest charged £687.00 and total repayable £5,687.00 at 2.29%

Borrow £5,000 over 18 months, monthly repayments of £350.57, total interest charged £1,310.25 and total repayable £6,310.25 at 1.46%

Can I Use Landlord Factoring Repeatedly?

Yes, like typical factoring products which are used for invoices, it is common to use landlord factoring over and over again and some people use it for 3, 5 or more times per year.

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