Fix Now. Pay Later

Does your rent roll need maintenance, freshening up or just some TLC?

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Simple and fast payment options.

A simple and convenient way for landlords to make property improvements now, and repay direct from rental income over time.

Direct and simple.

It takes minutes, not months, to access funds to repair or improve your investment property.

No credit checks.

It’s not a loan, but an advance of your rental income.  No impact to your credit score.

No hidden fees.

One fixed monthly fee on your advance amount. No establishment fees. Pay over 6 or 12 months.

Repair now. Pay later.

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How it works?

Owning an investment property can be costly. You may have unexpected maintenance, or the home may need an update.

With Rello, you can make those improvements without having to worry about paying for it all up front.

Pay monthly, in 6 or 12 instalments.


Let us know what you need

We can fund up to 75% of  your current rental income. Let us know how much you need and what it will be used for, providing the information we need  such as your lease, quotes etc.


Complete application

You will receive an SMS and email to complete your ID verification accepte the terms and tell us how you will be paying us back.


Funds received

We’ll fund your property manager directly to do the works you need to get done, to keep rental income flowing.


Repay from rent income

We’ll direct debit a share of your rental income every month, so you are never out of pocket. Manage your payments through our owner self-service portal.

Have questions? We’re here to help.

Hear what The Block auctioneer and Real Estate expert Greville Pabst says about investing in your investment.

Contact Us

* Terms and conditions apply. Funding provided by Rello Finance Pty Ltd, ACN 633 994 859.

Frequently asked questions

Is this a loan?

EarlyRent is not a loan and does not affect your credit score. With us, you’re not taking out a loan or refinancing your mortgage. Instead, you’re leveraging your future rental income to receive a cash advance, without incurring any additional debt.

What can I use it for?

You can use EarlyRent to cover a variety of general or minor home improvement items, such as:

  • Electrical and plumbing works
  • Painting, flooring, and window furnishings
  • Gardening and landscaping
  • Appliance upgrades
  • Works related to regulatory changes
  • Insurance, rates, and strata fees

How much can I get?

With EarlyRent, you can receive a cash advance based on a percentage of your future rental income, up to a maximum limit of $50,000. This means you can get up to 75% of 2 years’ worth of rental income as funding. Please note that the minimum advance amount is $1,000.

So if you’re a landlord with a steady rental income, EarlyRent can provide you with a flexible, low-risk financing option to help you fund your property upgrades and maintenance.

How much does it cost?

We charge a fixed monthly service fee based on the time you need to pay us back from the rent and the amount you need. We don’t charge any upfront fees.

What is the maximum term I can choose?

You can select either 3, 6, 12 or 24 months to pay back.

How are my property improvement costs paid?

We make a payment for the full amount required to your real estate agent to pay the relevant invoices for the services you need.

What information will I need to provide?

To apply, you’ll need to provide us with the following details:

  • Your contact information, including your email and phone number
  • Details of your rental property, such as the address and the type of property
  • Your Property Manager’s contact information
  • A copy of your agency agreement
  • Invoices and quotes for the works to be completed

Once we’ve received your application with all the required information, we’ll assess your eligibility and let you know as soon as possible whether your application has been approved.

What if I withdraw my property from the rental market?

If your property is vacant between tenants, we can pause repayments for up to two months while you search for new tenants.

However, if you decide to withdraw your property from the rental market for any reason, you will need to pay the outstanding balance within 14 days of the withdrawal date.

Can I use it for more than one property?

Yes, you can use it across any of your investment properties.