Lending Done Differently
Lending Done Differently
If you’re a landlord looking to fund energy efficiency upgrades, renovations, safety improvement, general repairs or property conversations, a landlord loan from Lendology could be the solution for you.
We take a flexible view and work with you to understand the needs of your project and finance requirements. Whether you manage a large portfolio or let a single property, our experienced Case Managers will work with you to understand your plans and assess your eligibility. We lend on properties that may typically be viewed as risky by standard lenders.
Check your borrowing options. It’s quick, easy, and no obligation.
Representative Example (4% fixed interest rate, Representative 4.2% APR).
Borrow £5,000 over 60 months, £92.08 monthly repayments. Total amount repayable = £5,544.96, including £20 fee for registering the Title Restriction against your property at the Land Registry. The £20.00 fee is only payable if a loan is agreed by Lendology and you decide to proceed with a loan. We do not charge interest on the fee. A Title Restriction means that you may not be able to sell your home without our permission unless the loan is fully repaid. This is a financial promotion approved by Lendology CIC. Missing payments could affect your credit rating and ability to obtain credit in the future.
Loans are subject to status and are typically protected by a Title Restriction.
Our landlord loans can support:
If you are preparing for proposed EPC C 2030 requirements, planning upgrades early can help you manage costs and reduce disruption to tenants. For details on the existing regulations, application and exclusions, click here.
Rental properties must currently have an EPC rating of E or above, unless a valid exemption applies. The government has proposed changes to Minimum Energy Efficiency Standards (MEES) that may require privately rented proportities to achieve an EPC rating of C by 2030.
For landlords, this could mean planning:
Understanding exemptions, timelines and upgrade options can feel complex. Our team can help you understand your borrowing options.
Whether you own one rental property, a large portfolio, or are a property developer, the responsibilities of being a landlord are huge. Let us support your property renovation projects with our innovative landlord loans.
Start your home improvement journey today.
Our lending decisions are made by people, for people.
This means that we lend to a broad range of homeowners. Our case managers take the time to understand your unique financial circumstances, both now and into the future. Our Renewable Energy Loans are often used to top-up grant funding obtained from complementary schemes, such as Government funding for air source heat pumps or grants for solar panels.
To discuss your circumstances and eligibility complete our application form.
All our loans have fixed interest, no early repayment charges and the option to make overpayments at any time. We have a range of repayment options and loans may be offered with a deferred repayment period of between 6 and 24 months, giving you the flexibility to renovate your property before repayments begin (subject to eligibility).
Apply for a decision in principle today.
We understand that talking about money and applying for finance can be tricky, and we will work with you every step of the way.
We are happy to work with family members/supporting agencies if you would like help along the application process, however we will need your consent to doing so before we can speak to someone other than yourself. For customers identified as needing more support, we can arrange a face-to-face visit if needed. Your Case Manager is here to help and are fully trained to understand a wide range of financial circumstances.
Fill out our Application Form here or call us on 01823 461099 to complete an application over the phone. Want to find out more first? Complete our Contact Us Form to request a call back. A member of our team will get in touch within 2 working days.
Check your email for instructions to securely upload bank statements via Open Banking for an affordability check.
We’ll assess your application, run an affordability check, and conduct a credit search to confirm loan affordability. If we can’t provide a loan, we’ll do our best to signpost you for other support.
After our assessment, you’ll receive a personalised, conditional offer valid for six months—giving you plenty of time to make decisions that work best for you.
Once you’ve selected a contractor, share your quotes with us to move forward with the loan.
We’ll finalise the loan amount based on your quotes and send a Loan Agreement for you to review and sign.
With everything in place, you’re ready to begin your project! We can arrange deposits up front if required.
Once the work is completed, simply send us a copy of your contractor’s invoice, and we’ll release your funds to your nominated account.
Because our loans are funded by local councils, what’s on offer may vary depending on where you live. Choose your local council to check your eligibility and get started.
If you’re reviewing compliance or planning improvements, explore our landlord guides:
3 months ago
5 months ago
6 months ago
Proposed changes to Minimum Energy Efficiency Standards may require privately rented properties to reach EPC C by 2030. Currently, rental properties must meet EPC E unless exempt. Landlords should monitor official guidance and plan improvements early.
If your property does not meet Minimum Energy Efficiency Standards and no exemption applies, you may not legally be able to let the property. Local authorities can issue penalties for non-compliance.
Yes. A landlord loan can help spread the cost of energy efficiency upgrades, insulation, heating improvements and general renovations needed to improve your property’s EPC rating.
Loans are subject to status and affordability.
Yes. Loans are typically protected by a Title Restriction registered against the property. This ensures the loan is repaid if the property is sold or ownership changes. It does not force a sale and does not affect day-to-day management.
Some local authorities and government schemes offer grant funding for energy efficiency measures. You may wish to explore available funding options before borrowing.
