Futurerent isn't a loan, so it won't affect your credit score. Get up to $100,000 on each of your investment properties (max $500k), seamlessly repaid from a portion of your tenant's rent.
1
Cash out upfront
Up to $100K per property (max $500K per client). Apply in 2 mins, paid in 2 days.
2
Tenant pays rent
Your tenant continues to pay their rent to the property manager with no disruptions.
3
Property manager transfers
Each month, the property manager sends some of the rent back to Futurerent, and the rest to you.
Why choose us?
Unlock your rental income without borrowing money.
Fast Funding
Receive up to $100,000 in just days. Take action without delays.
No Credit Impact
Access funds without affecting your credit score or existing mortgage.
Simple Application
Apply in under 10 minutes with minimal paperwork and no income or expense requirements.
Flexible Repayments
Your advance is repaid from rental income. No rent, no payment.
You're Still Earning
Your property manager sends part of the rent to us; you keep the rest.
No Income Verification
No income or expense statements needed—ideal for self-employed investors.
I first used Futurerent to access one year's rent upfront, which was really helpful and galvanised me into action to move to property two, renovate a little bit and make more rent.
Stephen
Advanced his rent to renovate his property and buy another.
I've used Futurerent multiple times now. The first round was to buy my most recent investment property in Brookvale, and the last round of funding was to furnish that place. Futurerent was very clear and transparent.
El
El advanced his rent to buy & furnish his next investment property
Futurerent is my go-to for accessing funds, without the hassles of going to a bank. Futurerent gives me confidence as a property investor, and going with them - you won't have any issues.
Ravin
Ravin advanced his rent to purchase a unit for his daughter
I turned to Futurerent, it gave me the capital to be able to do improvements on the property that allowed me to get the rent from $600 a week to $800 a week, and it was hassle-free.
Ridhwan
Advanced his rent to do improvements on his investment property
“I've used Futurerent multiple times now. The first round was to buy my most recent investment property in Brookvale, and the last round of funding was to furnish that place. Futurerent was very clear and transparent.”
El
El advanced his rent to buy and furnish his next investment property
Compare your funding options
Don't take on unnecessary debt — see how FutureRent compares.
Need to borrow money
Impact on credit score
Paperwork required
Time to funding
Cost of funds
No
None
Basic property info
2 business days
Fixed amount of rent over 3 years
Bank
Yes, requires new mortgage
Yes, application impacts credit
Personal finances (income and expenses) & property
Typically months
25-30 years of interest
Personal
Yes, requires new loan
Yes, application impacts credit
Personal finances (income and expenses) & property
Typically weeks
Variable interest + fees
Frequently asked questions
How does Futurerent work?
Futurerent sets up a concurrent lease with you, enabling us to provide a rental prepayment in exchange for a fixed portion of your property's rental income. For example, we might advance $100,000 to you and receive a fixed total of $123,400 over three years from a portion of the rental income. This streamlined approach allows you to unlock the funds you need without having to refinance or borrow money.
How much can I access?
Subject to approval, you can access up to $100,000 per investment property, with a maximum limit of $500,000 per person. The amount you can cash out depends on your property's equity and rental income. You may access up to 50% of your available equity, capped at two years' worth of rent in advance. Additionally, the total amount must be repayable from a maximum of 80% of the expected rental income over three years.
How will this impact my cash flow?
Futurerent accelerates your rental income into a convenient lump sum—most investors access up to two years' worth of rental income upfront. The advance, plus a fixed cost, is repaid through a portion of your rental income. We work directly with your property manager, invoicing them monthly based on the rent collected. If your property is vacant or your tenant falls behind on payments, repayments pause until rent resumes, so you're not exposed to the risk of out-of-pocket payments for situations beyond your control.
Will this impact my borrowing capacity?
Futurerent leaves no mark on your credit record or score. Borrowing capacity generally depends on your cash equity and income available for debt servicing. By providing you with immediate access to cash equity, FutureRent can enhance your ability to make a deposit on your next property purchase and borrow more money provided you can demonstrate the ability to service the loan.
What happens to my existing loan?
Futurerent isn't a loan and doesn't require a mortgage. Many investors use Futurerent as an alternative to a cash-out refinance (or top-up), avoiding the complexity and delays of traditional financing. This means your existing loan remains unaffected, and your banking relationships stay intact.
What about my exisiting tenant?
It's business as usual for your tenant, and they'll continue paying rent to the property manager and dealing with the property manager for any of their needs.
What about my property manager?
Your property manager will continue managing your property as usual and addressing your day-to-day needs. FutureRent will invoice them monthly based on rental income collected, adjusting for any vacancies or arrears. With experience working with over 400 property managers nationwide, we seamlessly integrate into their existing processes, ensuring no disruptions to your property management arrangements.
What is the client eligibility criteria?
An Australian citizen or identifiable resident.
At least 18 years of age.
Able to demonstrate a credit score of at least 450 with no material arrears on their credit file (report run by Futurerent with no credit impact). Note, For clients with a credit score <525 Futurerent will require a caveat on title at commencement.
Own a residential investment property in Australia.
Listed on the title owner of the property.
What is the property eligibility criteria?
Using a property manager (or can appoint one).
Renting the property out for at least $250 per week.
Is not used as a holiday letting, or short-stay rental (e.g. airbnb).
Has no caveats, and no second mortgages on the title.
Has at least $20,000 in equity left in the property after factoring in Futurerent’s advance.
Is not in a mining town with no other material industry.
Prefer to talk? We'd love to chat.
Feel free to call our friendly team of experts during business hours (we’re based in Sydney).
Happy days - We've assigned you a cash out specialist who will be in touch shortly. Want to skip the wait? Click Get Started to fast-track your application.