Unlock up to $100,000 from your investment property's future rental income. Not a loan. No credit impact. Funds in 48 hours.
Unloft isn't a loan. We purchase a portion of your future rental income and pay you upfront. Your tenant notices nothing.
Tell us about your investment property. No financials, no income verification, no bank statements. Just the basics.
We assess your property, not your personal finances. Approval in 1 business day. Funds arrive within 48 hours of signing.
Your property manager splits the rent monthly — a portion to Unloft, the rest to you. Your tenant pays as usual.
Most investors don't need to borrow more. They just need access to what's already theirs — sooner.
No debt, no repayments from your pocket. We buy your future rent; you get cash now.
We don't touch your credit score on application or when funds are advanced.
Approved on your property and its income — not your salary or credit history.
If your property is vacant, repayments pause automatically. Never out of pocket.
Calculate your estimate, check eligibility, and apply — all in one place. No credit impact at any stage.
Your property needs to meet these criteria. Confirm each applies to you before proceeding.
Property managed by a licensed property manager, or you can appoint one.
Currently rented at a minimum of $250 per week.
Not used for Airbnb, holiday letting, or NDIS-funded arrangements.
Property is not held in a self-managed super fund.
At least $20,000 equity remains after the advance is factored in.
You are an Australian citizen or resident aged 18 or older.
You're one step closer to unlocking your rental income. Our team will be in touch within 1 business day.
Check your inbox for a confirmation email. Questions? Call us on 1300 000 000
I used Unloft to access a year's rent upfront. It gave me the capital to renovate, push the rent from $620 to $800 a week, and put a deposit on the next property — all without touching my mortgage.
Straightforward criteria. Most Australian residential investment property owners are eligible.
Must be 18 or older and identifiable as an Australian resident.
You're on the title of a residential investment property in Australia.
Managed by a licensed property manager, or you can appoint one.
Minimum $250/week. Not an Airbnb, holiday let, or SMSF property.
At least $20,000 of remaining equity after the advance is factored in.
A soft credit check — no impact to your score. No material arrears required.