Flexible & affordable loans for landlords

If you’re a landlord and your rental properties are in need of energy efficiency improvements, renovation, or general repairs, our landlord loan scheme may be the answer you have been looking for.

Apply for a decision in principle today and don’t worry, it won’t impact your credit score.

Apply today

We can match your repayments to your rental income, with the ability to offer deferred repayments giving you the flexibility to renovate the property before repayments begin.

Current legislation requires privately rented properties to have an Energy Performance Certificate rating of E or above. In 2025, this requirement will increase to C or above. Investing now could decrease your future liability and you may be able to offset loan interest against your tax burden. Click here to view the current gas and electrical requirements.

What do you need?

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.

Apply for a decision in principle today and don’t worry, it won’t impact your credit score.

Apply today

  • Energy efficiency improvements
  • Unit conversions
  • Building renovations
  • Improvements to comply with safety regulations

Who can apply?

We accept applications from individual landlords, companies, charities and properties owned in trust. Our advisers take the time to understand your project, and we can lend on properties which may be considered un-mortgageable by other lenders.

Apply for a decision in principle today and don’t worry, it won’t impact your credit score.

Apply today

  • Landlord
  • Company Landlord
  • Retirees
  • Self-employed
  • No upper age limit
  • Poor credit history
  • In receipt of benefits

What do we offer?

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 and don’t worry, it won’t impact your credit score.

Apply today

  • Borrow from £1,000
  • Fixed interest rate
  • Typical 4.2% APR
  • No early repayment charges
  • Flexibility to make overpayments of £100 or more
  • Up to 15-year repayment period
  • Deferred repayments of up to two years

Loan Calculator

Typical example. 4% interest fixed (typical 4.2% APR)

How much would you like to borrow?

Over what period of time?

Monthly payment

£0

Land registry fee

£20

Interest payable

£0

Total amount payable

£0

Apply today, it won’t impact your credit score

Apply today

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