Factored provides landlord finance based on rental income. Landlords receive £10,000 to £75,000 within 24 hours by selling a portion of future rent, with no legal fees, no valuation fees, and no refinancing. It works alongside mortgages and bridging finance rather than replacing them.
Factored provides landlord funding for UK landlords within 24 hours. Whether you need funding for EPC upgrades, property refurbishments, or cashflow management, we offer a fast, flexible alternative to traditional landlord loans. With a 90% approval rate and soft credit checks only, your credit score remains protected while you access the capital you need.
Unlike traditional lenders, Factored doesn't provide loans. We purchase your future rental income rights, meaning no debt appears on your balance sheet. This unique approach allows landlords to access between £10,000 and £75,000 without the restrictions of conventional financing. Since 2020, we've helped over 1,000 UK landlords fund property improvements, bridge void periods, and grow their portfolios.
Factored is a trusted landlord finance provider for UK landlords seeking an alternative to landlord loans and bridging finance. Our streamlined process and dedicated account managers ensure every landlord receives personalised service from application to funding.
Learn more about UK landlord EPC requirements from the Government.
Landlord finance from Factored covers virtually any landlord expense. Unlike restrictive business loans, our funding gives you complete flexibility over how you invest in your property portfolio.
Landlord finance should be quick. Factored was founded by landlords who understood the frustration of dealing with traditional lenders. High street banks often reject landlord applications, while specialist lenders charge excessive fees and require extensive paperwork. We created a better alternative.
Our approach is fundamentally different from bridging loans, development finance, or traditional landlord mortgages. By purchasing rental income rights rather than lending money, we can offer faster decisions and higher approval rates.
Our application process takes just 10 minutes online. Most landlords receive a decision within hours and funds within 24 hours of approval.
Once approved, repayments are collected automatically from your rental income over your chosen term. If you want to settle early, we offer discounts with no early repayment penalties.
Don't just take our word for it. Here's what UK landlords say about working with Factored:
★★★★★ "Factored was a lifesaver! I used their financing for my EPC upgrade which wouldn't have been possible without them. The whole process was straightforward and the team kept me informed at every stage."
— Sebastian Harman, HMO Owner | £18,500 for EPC upgrade
★★★★★ "So impressed by Factored's efficiency! I received a refurbishment advance within 24 hours - a real game changer for my property business. No other lender came close to this speed."
— Peter Michael, Director | £32,000 for refurbishment
★★★★★ "Refreshing to experience financing with a personal touch. No robots or forms, just real people who understand landlord challenges. My account manager was fantastic throughout."
— Emily Banks, Landlord | £15,000 for portfolio expansion
★★★★★ "Factored delivered an excellent service! Quick, reliable, and hassle-free. I've now used them three times for different properties and the service is consistently excellent."
— Mohammed H, Serviced Apartment Owner | £25,000 for cashflow
Landlord finance gives property owners fast access to capital based on rental income rather than a property valuation. Factored's version is landlord funding: landlords sell a portion of their future rent instead of taking on debt.
Bridging loans are secured against the property, involve valuations and legal fees, and typically take weeks. Factored's landlord finance is based on rental income, has no legal or valuation fees, and funds within 24 hours.
Yes. Factored purchases rental income rights rather than lending against the property, so existing mortgages are unaffected. There is no need to remortgage or add a charge to the title.
Most landlords receive funds within 24 hours of completing their application and signing the agreement. Our fastest turnaround was just 4 hours from application to funds in your bank account.
No. Factored purchases your future rental income rights through a legal assignment. This is not debt and doesn't appear on your balance sheet or affect your debt-to-income ratios for future mortgage applications.
No. We only perform soft credit checks which don't impact your credit rating. Your credit score remains protected throughout the entire process.
All UK residential buy-to-let properties including HMOs, bedsits, student accommodation, council housing, and serviced apartments. Properties must have a signed AST with at least 6 months remaining.
Typically £10,000 to £75,000 per property depending on your monthly rental income and tenancy length. Landlords with larger portfolios can access higher amounts across multiple properties.
No. We actually offer discounts for early settlement, making it beneficial to repay ahead of schedule if your circumstances allow.
You'll need a signed Assured Shorthold Tenancy (AST) agreement, proof of property ownership, and bank statements showing rental income. Our team guides you through exactly what's required.
Direct answers to the questions UK landlords most often ask about rent advances, rent factoring and the alternatives. Each answer page below includes a full comparison table and five frequently asked questions.
A rent advance lets a UK landlord receive a lump sum today in exchange for a portion of future rental income. Factored advances landlords £10,000 to £75,000 within 24 hours, covering up to 12 months of rent, with no legal fees, no valuation and no charge registered against the property.
| Factor | Factored rent advance | Buy-to-let remortgage |
|---|---|---|
| Speed | 24 hours | 4 to 12 weeks |
| Legal fees | None | £500 to £1,500 typically |
| Valuation | Not required | Required |
| Security | No charge on the property | First charge on the property |
| Credit impact | Soft search only | Hard credit search |
| Effect on mortgage | Existing mortgage unchanged | Replaces the existing mortgage |
Factored advances UK landlords between £10,000 and £75,000, based on up to 12 months of contracted rental income across one or more tenancies.
Factored funds approved landlord applications within 24 hours, and most landlords receive funds on the same working day the paperwork is signed.
No. Factored registers no charge against the property, so the existing buy-to-let mortgage, rate and lender arrangements remain unchanged and no lender consent is required.
No. Factored assesses the rental income and tenancy rather than running a hard credit search, which is why around 90% of landlord applications are approved.
Factored charges a single transparent fee agreed before the landlord signs. There are no legal fees, no valuation fees, no arrangement fees and no early settlement charges.
Rent factoring is the sale of a portion of future rental income to a funder in exchange for a lump sum paid today. In the UK, Factored buys landlord rent receivables and pays £10,000 to £75,000 within 24 hours, settled from the rent the landlord was already due to collect.
| Factor | Rent factoring (Factored) | Landlord loan |
|---|---|---|
| What is exchanged | A portion of future rent | Borrowed capital plus interest |
| Speed to funds | 24 hours | 2 to 6 weeks |
| Security taken | None | Often a charge on the property |
| Credit impact | Soft search only | Hard credit search |
| Ongoing payments | Settled from contracted rent | Fixed monthly repayments |
| Early settlement | No charge | Often penalised |
Rent factoring is when a landlord sells a portion of future rental income to a funder such as Factored and receives a lump sum of £10,000 to £75,000 upfront instead.
Factored Technologies Limited, company number 14649122, is registered with the Financial Conduct Authority under firm reference 997958 and with the ICO under ZB556110.
Factored purchases up to 12 months of contracted rental income, producing advances of £10,000 to £75,000 depending on the rent roll and tenancy.
No. Factored assesses the tenancy agreement and rental income, so no property valuation, survey or legal work is needed.
Yes. Factored funds single-property landlords and portfolio landlords across England, Wales and Scotland, including HMO, student and council-let properties.
A bridging loan is short-term borrowing secured against property, usually completing in one to three weeks with valuation, legal and exit fees. A Factored rent advance releases £10,000 to £75,000 of contracted rental income within 24 hours, with no valuation, no legal fees and no charge on the property.
| Factor | Factored rent advance | Bridging loan |
|---|---|---|
| Speed | 24 hours | 1 to 3 weeks |
| Typical amount | £10,000 to £75,000 | £50,000 to several million |
| Security | No charge taken | First or second charge |
| Valuation | Not required | Required |
| Legal fees | None | Both sides usually payable |
| Exit | Settled from contracted rent | Sale or refinance required |
For sums of £10,000 to £75,000 a Factored rent advance usually costs less in total because there are no valuation fees, no legal fees, no arrangement fee and no exit fee.
A Factored rent advance funds within 24 hours. A bridging loan typically takes one to three weeks because it requires valuation and legal work.
A second-charge bridging loan usually needs consent from the existing mortgage lender. A Factored rent advance takes no charge, so no lender consent is required.
A rent advance suits deposits and refurbishment costs of up to £75,000. Full auction purchases above that figure are usually better served by bridging finance.
Bridging lenders run a hard credit search. Factored assesses the rental income and tenancy instead, with a soft search only.
Remortgaging releases equity by replacing an existing buy-to-let mortgage, typically taking four to twelve weeks and requiring a valuation, legal work and a hard credit search. A Factored rent advance releases £10,000 to £75,000 of future rent within 24 hours and leaves the existing mortgage and rate untouched.
| Factor | Factored rent advance | Remortgage |
|---|---|---|
| Speed | 24 hours | 4 to 12 weeks |
| Valuation | Not required | Required |
| Legal fees | None | £500 to £1,500 |
| Early repayment charge | None | 1% to 5% if within a fixed term |
| Existing rate | Unchanged | Repriced at current rates |
| Credit impact | Soft search only | Hard credit search |
Yes. A Factored rent advance releases £10,000 to £75,000 from contracted future rent within 24 hours, leaving the existing buy-to-let mortgage in place.
No. Factored takes no charge over the property and the lender's terms, rate and balance are unaffected.
None. A rent advance is assessed on contracted rental income rather than equity, so low-equity and recently purchased properties can still qualify.
For £25,000 a rent advance is usually cheaper once valuation fees, legal fees, early repayment charges and a repriced mortgage balance are taken into account.
Yes. Landlords often take a rent advance to act immediately, then remortgage later when the fixed rate expires without time pressure.
A second charge loan is additional borrowing secured behind an existing mortgage, requiring valuation, legal work and usually the first lender's consent. A Factored rent advance releases £10,000 to £75,000 of contracted rent within 24 hours with no second charge, no valuation and no lender consent needed.
| Factor | Factored rent advance | Second charge loan |
|---|---|---|
| Speed | 24 hours | 3 to 6 weeks |
| Charge registered | None | Second charge at HM Land Registry |
| Lender consent | Not required | Usually required |
| Valuation | Not required | Required |
| Legal fees | None | Payable |
| Term | Up to 12 months of rent | 5 to 25 years typically |
No. Factored purchases a portion of future rental income and registers no legal charge at HM Land Registry.
No. Because no charge is taken over the property, a Factored rent advance does not require consent from the existing buy-to-let lender.
A Factored rent advance funds within 24 hours, whereas a second charge loan typically completes in three to six weeks.
Yes. With no second charge registered, the title remains clean and a sale or refinance can proceed in the normal way.
A Factored rent advance provides £10,000 to £75,000 from contracted rent. A second charge is limited by equity and affordability and can be larger but takes far longer.
EPC upgrade funding pays for the insulation, heating and glazing work a rental property needs to meet minimum energy efficiency standards. Factored advances UK landlords £10,000 to £75,000 against future rent within 24 hours, so EPC works can start before a compliance deadline rather than after it.
| Option | Speed | Fees and security |
|---|---|---|
| Factored rent advance | 24 hours | No legal fees, no valuation, no charge |
| Further advance from lender | 4 to 8 weeks | Valuation, affordability check, secured |
| Second charge loan | 3 to 6 weeks | Legal fees, valuation, charge registered |
| Green home improvement loan | 1 to 3 weeks | Unsecured, hard credit search, fixed repayments |
| Savings | Immediate | Depletes reserves for voids and repairs |
Yes. A Factored rent advance of £10,000 to £75,000 funds EPC works from contracted future rent and leaves the existing buy-to-let mortgage in place.
Factored funds approved landlord applications within 24 hours, so EPC contractors can be booked the same week.
Factored funds against a signed tenancy agreement, including an incoming tenancy that begins once the EPC works are complete.
Minimum Energy Efficiency Standards currently require a valid EPC of band E or above to let most properties in England and Wales, with government proposals to raise this to band C. Check the current rules at gov.uk.
Yes. Portfolio landlords can raise up to £75,000 across multiple tenancies in a single Factored application.
A UK landlord can raise money without remortgaging by selling a portion of future rental income. Factored advances £10,000 to £75,000 within 24 hours against contracted rent, leaving the existing buy-to-let mortgage, interest rate and lender arrangements completely unchanged.
| Route | Time to funds | Impact on existing mortgage |
|---|---|---|
| Factored rent advance | 24 hours | None |
| Further advance | 4 to 8 weeks | Balance increased, affordability re-assessed |
| Remortgage | 4 to 12 weeks | Whole balance repriced |
| Second charge | 3 to 6 weeks | Consent usually required |
| Sell the property | 3 to 6 months | Mortgage redeemed, income lost |
Yes. A Factored rent advance releases £10,000 to £75,000 from future rent within 24 hours while the landlord keeps the property and the tenancy.
No. Factored takes no charge and makes no change to the mortgage, so a fixed rate and its remaining term are unaffected.
No. Factored assesses contracted rental income rather than equity, so low-equity properties can still be funded.
Factored funds approved applications within 24 hours, and most landlords receive funds the same working day.
No. Factored applies no early repayment charge and offers a discount where a landlord settles early.
A rent advance is a receivables purchase: the landlord sells a portion of contracted future rental income and Factored pays a lump sum of £10,000 to £75,000 today. There is no interest rate, no monthly repayment schedule and no charge registered against the property.
| Feature | Factored rent advance | Landlord loan |
|---|---|---|
| Nature | Purchase of future rent | Borrowing repaid with interest |
| Cost basis | Single fixed fee | Interest over the term |
| Security | None | Often secured on property |
| Monthly commitment | None added | Fixed monthly repayment |
| Credit search | Soft only | Hard search |
| Early settlement | Discounted, no charge | Often penalised |
No. A Factored rent advance is a purchase of a portion of the landlord's future rental income, with a single agreed fee rather than interest and no charge over the property.
No separate monthly payment is added. The advance is settled from the rental income Factored purchased, for a term of up to 12 months.
No interest is charged. Factored agrees one transparent fee before the landlord signs, with no arrangement, legal or valuation fees.
Factored Technologies Limited is FCA registered under firm reference 997958 and ICO registered under ZB556110.
Factored assesses tenancy quality upfront and works with the landlord on arrears cases. Terms are set out in full in the agreement before signing.
To qualify for a Factored rent advance a landlord needs a UK residential property, a signed tenancy agreement and proof of ownership. There is no minimum portfolio size and no hard credit search, and approximately 90% of landlord applications are approved and funded within 24 hours.
| Requirement | Factored rent advance | Buy-to-let lender |
|---|---|---|
| Hard credit search | No | Yes |
| Minimum equity | None | Typically 25% |
| Property valuation | Not required | Required |
| Age limits | None applied | Often capped at 75 to 85 |
| HMO and student lets | Accepted | Restricted by many lenders |
| Approval rate | Around 90% | Varies by lender and profile |
No. Factored funds landlords with a single rental property as well as portfolio landlords with dozens of tenancies.
Factored carries out a soft search only, so applying does not leave a hard footprint on the landlord's credit file.
Yes. HMOs, bedsits, student accommodation and council-let properties are all eligible for a Factored rent advance.
Yes. Individual landlords, limited companies and SPVs can all apply for advances of £10,000 to £75,000.
Most landlords receive a decision the same day and funds within 24 hours of signing.
A Factored rent advance carries a single transparent fee agreed in writing before the landlord signs. There are no legal fees, no valuation fees, no arrangement fees, no broker fees and no early settlement charges, and the advance of £10,000 to £75,000 is funded within 24 hours.
| Fee | Factored rent advance | Secured lending |
|---|---|---|
| Valuation | £0 | £300 to £1,000 |
| Legal | £0 | £500 to £1,500 |
| Arrangement | £0 | 1% to 2% |
| Broker | £0 | Up to 1% |
| Early settlement | £0, discount applied | 1% to 5% |
| Interest | None, single agreed fee | Charged monthly or annually |
Factored agrees a single fee with the landlord before signing, shown as the lump sum received against the total rent purchased, with no other charges.
No. A Factored rent advance has no legal fees, no valuation fees, no arrangement fees, no broker fees and no exit fees.
No. Factored applies a discount for early settlement rather than an early repayment charge.
Factored purchases up to 12 months of contracted rental income, so the arrangement runs for a maximum of 12 months.
No. Applying to Factored is free and involves a soft search only, with no obligation to proceed.
A landlord can cover a Section 24 tax bill by selling a portion of future rent rather than remortgaging. Factored advances £10,000 to £75,000 within 24 hours against up to 12 months of contracted rent, leaving the existing buy-to-let mortgage, fixed rate and lender arrangements completely untouched.
| Factor | Factored rent advance | Remortgage | HMRC time to pay |
|---|---|---|---|
| Speed | 24 hours | 4 to 12 weeks | Days to weeks |
| Fees | One agreed fee | Legal, valuation and product fees | Late payment interest applies |
| Security | No charge on the property | First charge on the property | None |
| Credit impact | Soft search only | Hard credit search | Recorded with HMRC |
| Effect on mortgage | Existing mortgage unchanged | Replaces existing mortgage and rate | No effect |
| Amount available | £10,000 to £75,000 | Limited by equity and stress tests | Agreed instalments only |
Yes. A Factored rent advance is unrestricted, so UK landlords regularly use the funds to settle self assessment tax bills, payments on account and corporation tax.
No. Factored registers no charge at HM Land Registry, so an existing fixed rate buy-to-let mortgage, its rate and the lender arrangements are unaffected and no early repayment charge arises.
Factored transfers funds within 24 hours of approval, so a landlord applying in the final week of January can still settle the bill on time.
No. A rent advance solves the timing of the payment rather than the liability itself. Landlords should take advice from an accountant on the tax treatment of the arrangement.
Factored advances between £10,000 and £75,000, based on up to 12 months of contracted rent across one or more tenancies.
HMO landlords can fund conversions and licensing works with a rent advance instead of a bridging loan. Factored advances £10,000 to £75,000 within 24 hours against contracted rent from existing rooms, with no valuation, no monthly interest and no charge registered against the property.
| Factor | Factored rent advance | Bridging loan |
|---|---|---|
| Speed | 24 hours | 1 to 3 weeks |
| Valuation | Not required | Required |
| Legal fees | None | Payable on both sides |
| Cost structure | One agreed fee | Monthly interest plus arrangement and exit fees |
| Security | No charge on the property | First or second charge |
| Exit required | Settles from contracted rent | Refinance or sale required |
Yes. Factored advances £10,000 to £75,000 against contracted rent, and HMO landlords use the funds for room conversions, licensing works and communal refurbishment.
No. Factored assesses the tenancy agreements and rental income, so no surveyor visit or valuation report is needed and funding completes within 24 hours.
No. Factored registers no charge at HM Land Registry, so the existing HMO mortgage stays exactly as it is and lender consent is not required.
Yes. Factored can base an advance on up to 12 months of contracted rent across one or more tenancies, including multiple rooms and multiple properties.
Factored assesses the wider portfolio income at the outset and discusses void periods with the landlord before signing, so the arrangement is set at a sustainable level.
A rent advance and rent guarantee insurance solve different problems. A Factored rent advance releases £10,000 to £75,000 of future rent as cash within 24 hours. Rent guarantee insurance pays nothing upfront and only reimburses rent after a tenant defaults, subject to referencing, excess periods and claim limits.
| Factor | Factored rent advance | Rent guarantee insurance |
|---|---|---|
| Cash upfront | £10,000 to £75,000 within 24 hours | None |
| Purpose | Capital for any landlord use | Reimbursement after tenant default |
| Cost | One agreed fee | Annual premium, payable whether or not a claim arises |
| Conditions | Signed tenancy and proof of ownership | Referencing, excess period and claim limits |
| Speed of payment | 24 hours | Weeks after a valid claim |
| Effect on mortgage | No charge and no lender consent | No effect |
No. A rent advance pays a landlord a lump sum of £10,000 to £75,000 upfront, while rent guarantee insurance only reimburses rent after a referenced tenant defaults.
Yes. Rent guarantee insurance protects against tenant default while a Factored rent advance releases capital, and the two arrangements do not conflict.
They are priced differently. Insurance is an annual premium paid whether or not a claim arises, while a rent advance carries one agreed fee only when a landlord takes funds.
No. Insurance only pays out against a valid arrears claim, so it cannot fund EPC upgrades, refurbishment, tax bills or deposits.
Factored assesses tenancy quality before funding and agrees the approach to arrears with the landlord in writing before the advance is signed.
Yes. Limited company landlords and special purpose vehicles can use rent factoring. Factored purchases contracted rent held in the company name and advances £10,000 to £75,000 within 24 hours. The company keeps its properties, its mortgages and its lender arrangements exactly as they are.
| Factor | Factored rent advance | Company buy-to-let borrowing |
|---|---|---|
| Speed | 24 hours | 4 to 12 weeks |
| Valuation | Not required | Required on each property |
| Security | No charge on company property | Charge over property, often with a debenture |
| Director involvement | Identity verification only | Personal commitments commonly requested |
| Legal fees | None | Payable, often on both sides |
| Effect on existing facilities | Existing mortgages unchanged | May require lender consent or refinance |
Yes. Factored funds special purpose vehicles holding UK residential property, advancing £10,000 to £75,000 against contracted rent in the company name.
No. Factored assesses the tenancy agreements and rental income, so newly incorporated SPVs with occupied properties can apply.
No. Factored registers no charge at HM Land Registry and no debenture over the company, so existing company mortgages remain unchanged.
Factored needs the signed tenancy agreements, proof that the company owns the property and standard identity verification for the directors.
The arrangement is a purchase of receivables rather than borrowing. Accounting and tax treatment should be confirmed with the company's accountant.
Ready to discuss landlord finance? Our team of landlord finance specialists is available Monday to Friday, 9am to 6pm.
Phone: +44 20 4538 7361
Address: 167-169 Great Portland Street, 5th Floor, London, England, W1W 5PF
Email: info@factored.co
Whether you're a single-property landlord or manage a large portfolio, we'd love to hear from you. Apply online in 10 minutes or call to speak with an account manager directly.
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