Flexible & affordable loans for landlords

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.

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Representative Example (4% fixed interest rate, Representative 4.2% APR).

Loans are subject to status and are typically protected by a Title Restriction.

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.

Whether you have a large property portfolio or are new to the property industry and only have one tenanted property, our expert Case Managers will work closely with you.

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.

At Lendology we provide loans for landlords to assist with the proposed changes facing the owning of tenanted properties.

If you are a landlord looking to spread the cost of:

  • Energy efficiency improvements
  • Unit conversions (for example, turning a commercial property into a licenced House in Multiple Occupation HMO)
  • Building renovations
  • Improvements to comply with safety regulations

Apply for a decision in principle today.

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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.

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  • 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.

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  • 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.

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  • Borrow from £1,000
  • Fixed interest rate
  • Representative 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

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