Established in 2003, we have lent over £27 million on behalf of our council partners.
Established in 2003, we have lent over £27 million on behalf of our council partners.
If you are a landlord with a property that needs energy efficiency improvements, modernisation, general repairs or renovation work, a landlord loan from Lendology could be the solution for you.
At Lendology, we take a flexible view and work with you to understand the needs of your project and finance requirements. 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.
We accept applications for loans from individual landlords, companies, charities and properties owned in trust. Our landlord loans have a fixed interest, no early repayment charges, no loan agreement set up fees, and the option to make overpayments at any time.
In a bid to make the UK’s housing stock more energy efficient, the government has implemented ‘Minimum Energy Efficiency’ standards for tenanted properties. This means you are likely to be required to have an Energy Performance Certificate (EPC) rated ‘E’ or above. For details on the existing regulations, application and exclusions, click here.
If you are a landlord looking to spread the cost of:
To discuss your circumstances and eligibility complete our application form.
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.
