What is landlord finance?

Landlord finance gives property owners fast access to capital based on rental income rather than a property valuation. Factored's version is landlord funding, where landlords sell a portion of their future rent rather than taking on debt. Funds arrive within 24 hours.

How is landlord finance different from a bridging loan?

Bridging loans are secured against the property, involve valuations and legal fees, and typically take weeks to complete. Factored's landlord finance is based on rental income, carries no legal or valuation fees, and funds within 24 hours.

Can I get landlord finance without refinancing my mortgage?

Yes. Factored purchases rental income rights rather than lending against the property, so your existing mortgage is unaffected. There is no need to refinance, remortgage, or add a charge to the title.

Factored empowers landlords to unlock capital by selling their future rental income rights. Allowing landlords to meet their capital needs, elevate tenant living standards, and reduce carbon emissions from rental properties.

What does factoring mean in the context of landlord finance?

Factoring is a financial transaction that enables landlords to sell their future rental income in return for upfront cash. As a result, they can meet their immediate cash requirements and conveniently manage their payments through monthly installments.

Why choose Factored over traditional finance for landlords?

Factoring is not a loan but a sale of rents receivable, ensuring landlords acquire immediate cash without incurring additional debt. It offers flexible financing compared to conventional bank loans, and caters to landlords facing challenges with traditional financing.

Who can benefit from Factored?

Factored caters to all landlords, especially those with properties rated D to G on the EPC scale. It also supports landlords with stable income who encounter financing challenges due to age restrictions, unmortgageable properties, or existing personal loans.

How can I apply for a rental advance?

Upload the signed tenancy agreement and relevant documents, agree on the rent amount to sell and repayment term, sign the Factored T&Cs, then receive a lump sum payment and allocate a portion of future monthly rent for the agreed repayment term.

What is the Importance of Retrofitting and EPC Rating Increase?

Retrofitting and improving the Energy Performance Certificate (EPC) rating are crucial for landlords as these measures enhance energy efficiency, reduce carbon emissions, increase property desirability and market value, and ensure compliance with legal requirements.

Can landlords with varying property sizes and portfolios benefit from Factored?

Yes! Factored is designed to accommodate all landlords. Whether you have a single rental property or a diverse portfolio, Factored offers a non-debt based, flexible financing solution based on your rental income.

Can Factored be used for other property-related expenses besides retrofitting?

Absolutely! Factored can be used for various property-related expenses including service charges, mortgage payments, tax obligations, refurbishments, repairs, or any other capital needs that landlords may have.

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Landlord Finance Within 24 Hours. No Legal Fees, No Valuations, No Refinancing

Unlock up to £75,000 of your rental income in one working day, with a dedicated account manager.

No hard credit searches or secured legal charges.

Funding in one working day

NRLA recognised supplier

Trusted by leading property and finance brands

What Can Landlord Finance Be Used For?

The most common uses for Factored's landlord finance are property refurbishments, adding to your portfolio, and general landlord cashflow. Fast funding based on rental income, not your wider circumstances.

Property Refurbishments & Repairs

Use landlord finance to fund property refurbishments, repairs, and upgrades between tenancies. Finance new bathrooms, modern kitchens, roofing, flooring, and essential maintenance to improve tenant living conditions and protect your property's value.

Adding to Your Portfolio

Secure deposits, auction purchases, and refurbishment costs when adding to your property portfolio. Factored's landlord finance is based on rental income, so you can act quickly on investment opportunities without refinancing existing mortgages.

General Landlord Cashflow

Cover void periods, tenant arrears, service charges, insurance premiums, and day-to-day rental business costs. Landlord funding turns future rental income into working capital today, keeping your cashflow steady.

Whatever your reason, landlord finance from Factored is paid within 24 hours and works alongside your existing mortgage.

24hrs

Average Funding Time

90%

Approval Rate for UK Landlords

1,000+

Landlord Funding Processed

UK-wide

Landlords Funded Across England, Scotland & Wales

Why Landlords Choose Factored for Finance

90% approval rate for UK landlords

Streamlined application with industry-leading approval success

24-hour average funding time

Landlord funding paid within one working day of approval

Funding based on rental income

Simple, asset-based approach without personal liability

1,000+ landlord funding deals completed

Trusted by UK landlords nationwide for fast, reliable funding

Dedicated account manager for every landlord

Personal support throughout your landlord funding journey

Inclusive finance for all UK landlords

Solutions for age restrictions, unmortgageable properties & more

Landlord Finance Reviews UK

Trusted by 1,000s of UK landlords for fast landlord finance and landlord funding

"Factored was a lifesaver! I used their financing for my EPC upgrade which wouldn't have been possible without them."

£18,500 for EPC upgrade

Sebastian Harman

HMO owner

"So impressed by Factored's efficiency! I received a refurbishment advance within 24 hours – a real game-changer!"

£32,000 for refurbishment

Peter Michael

Director

"Refreshing to experience financing with a personal touch. No robots or forms, just real people. Highly recommend this human-centric approach!"

£15,000 for portfolio expansion

Emily Banks

Landlord

"Factored delivered an excellent service! Quick, reliable, and hassle-free. I would definitely use their services again."

£25,000 for cashflow

Mohammed H

Serviced Apartment Owner

Landlord Finance FAQs

Common questions about UK landlord finance and funding

Unlock Future Rent as Capital Within 24 Hours

With a rent advance from Factored, you can unlock up to £75,000 of your rental income in under 24 hours, without the delays of a traditional loan.

Most landlord borrowing means a lengthy application, a valuation on your property, legal costs and a new monthly repayment for years. A rent advance is settled from rent you were already due to receive, so there's nothing extra to budget for each month.

Landlords use it for refurbishments, EPC upgrades, deposits on the next property, or simply to smooth a gap between refinance.

Key facts about Factored

Verifiable facts about Factored Technologies Limited and its rent advance for UK landlords.

What Factored is: A UK landlord finance company serving residential landlords across England, Wales, Scotland and Northern Ireland.
Product: A rent advance: Factored buys a portion of a landlord's future rental income.
Structure: A receivables purchase: Factored buys the right to an agreed portion of future rent, rather than lending against the property.
Funding range: £1,000 to £75,000
Typical funding speed: Funds released within 24 hours of approval
Security: No charge is placed on the property and no remortgage is required.
Credit search: Soft search only at application stage
Fees: A single agreed fee. No valuation fees, no legal fees, no arrangement fees and no early settlement charges.
Settlement: Repaid from the rent already being collected on the property, over the agreed term.
Legal company: Factored Technologies Limited, registered in England and Wales
Company number: 14649122
Registered office: 167-169 Great Portland Street, 5th Floor, London, England, W1W 5PF
ICO registration: ZB556110

Company records: Companies House · FCA Register · ICO Register