Cash out calculator

Zero obligations

No credit impact

Property based approval

Fast, simple, no credit impact.

Address

Weekly rent

Weekly rent must be at least $250

Mortgage balance

Estimated value

Please complete all fields before calculating.

You can get up to

error

/ upfront advance

Here's how this is returned

Rental income for the next

Rental income

$0 /mo

Advanced returned

(inc. $0 cost )

$0 /mo

Remaining for you

The cost of using Futurerent is twofold: (1) an initial setup cost of $2,900 (incl. GST) for advances up to $30,000, $3,900 (incl. GST) for advances between $30,001 and $60,000, and $4,500 (incl. GST) for advances between $60,001 and $100,000; and  (2) a fixed amount of the rental income that Futurerent earns from the property.

Setup cost

$ 0

The basic criteria

To access your advance, your investment property must:

Be professionally managed by a property manager (we can help).

Not be held in a self-managed super fund (SMSF).

Not be used for short-term rentals (Airbnb or holiday letting).

Not be an NDIS-funded property.

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 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

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.

Can I use FutureRent instead of setting up an SMSF?

Yes. Futurerent offers a faster and simpler way to access property investment funds. Rather than setting up a Self-Managed Super Fund (SMSF) with ongoing admin and compliance, you can unlock equity from your existing property in just days without touching your super.

Why is FutureRent a better option than using my super to buy property?

Super funds are designed for retirement, and using them to invest in property can be complex, restricted, and slow. Futurerent lets you keep your super intact while still growing your portfolio with no trustees, contribution limits, or setup costs.

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 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.

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 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 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 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 is the difference between using equity and getting a loan?

When you access equity through FutureRent, you’re not taking out a loan or line of credit. There are no interest payments, and your credit score isn’t affected. You simply access part of your future rental income upfront.

How much equity can I release from my property?

The amount depends on your property’s rent, value, and mortgage balance. Our calculator will show your estimated cash-out amount instantly, usually up to $100,000 per property.

Does accessing my equity affect my mortgage or credit score?

No. Futurerent’s cash-out isn’t a loan, so your mortgage, credit history, and interest rate remain untouched.

Thinking of using your super to buy property?

There’s a faster, simpler way to fund your next investment. Instead of locking up your super or setting up an SMSF, you can access up to $100,000 from your existing investment property in just 2 business days.

No credit score impact, no refinancing

Property based approval

Up to $500,000 per client in 48 hrs

Cash out calculator

You can get up to

Here's how this is returned

Setup cost

The basic criteria

You're all set! Check your eligibility.

Almost there... one click to confirm eligibility

Congratulations, you’re one step closer to unlocking your equity.

How Futurerent works

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.

Compare your funding options

Compare your options: Futurerent vs Using Super (SMSF)

Complexity

Access to funds

Flexibility

Time to funding

Control

Simple property-based approval

Immediate cash flow

Use funds for any investment

2 business days

Keep your mortgage and property

Super (SMSF)

Legal, tax, and trust setup required

Locked until retirement

Restricted to property within super rules

Typically months

Funds tied to SMSF rules

Why choose us?

Unlock your rental income without using your super.

Fast Funding

Receive up to $100,000 in just days. Not months like SMSF setup.

No Credit Impact

Access funds without affecting your credit score or existing mortgage.

Simple Application

Apply online in 10 minutes. No complex paperwork or legal trust setup.

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.

Save more, borrow less

Avoid paying more on your largest loan, keep your mortgage on track.

Keep it simple

We don’t dive into your personal finances. 2 minutes to apply.

Keep super untouched

Invest without touching your retirement savings or setting up an SMSF.

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.

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.

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.

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.

Frequently asked questions