Access funds from your rental income in advance.

Get up to $50,000 and use funds to improve or maintain your investment property today.

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Invest in your property today.

A simple, fast and convenient way for landlords and property investors to make property improvements now.

+ Quick access to funds

Access funding between up to $50,000 or 80% of 2 years’ rental income upfront.*

+ Payback periods up to 2 years

You pay back from rental income with equal instalment periods up to 24 months.

+ Simple pricing

We charge a single monthly service fee of 1.25% based on the amount we advance.

+ Quick and easy

100% online. No credit checks. We advance funds directly to you so you can pay for the work that needs to be done.

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Pay Later for Investment Property Owners

An easy way to access funds to make necessary improvements or cover expenses that come with owning and maintaining a property and keeping it leased.

Fix now and pay back over time

Take care of property repairs immediately and improve tenant experience and longevity.

No need to wait for rental income

Approve property maintenance requests fast and keep your property earning income.

Fees may be tax deductible

Speak to your accountant about claiming our fees as a tax deduction.

Create Value

Asset rich, cash poor? Access rent in advance to increase your property value and yield today.

How it works?

Simple 3-step process


Choose how much you need

You choose the amount you need by telling us some information about your rental property and yourself.

Approval and funding

Our team will verify your information, approve your application and you receive the funds fast.

Receive rent and pay back

You continue to receive rent from your tenant via your property manager and we’ll direct debit a share of your rental income so you can pay back in equal monthly instalments.
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Frequently asked questions

How does RelloPay for landlords work?

Rello offers a quick and straightforward way for property owners and landlords to fund property improvements and maintenance works today and pay for it later with future rental proceeds from the property.

We simply provide you early access to your future rental income stream.

Is this lending?

It is not a loan. We will not affect your credit score.

We will pay you the Property Improvement Costs (the amount you need today) in exchange for you selling to Rello the right to receive Rent payable under current and future tenancy agreements (future income).

Its quick and easy and we generally approve and fund our customer within 1-2 business days.

What can be covered using RelloPay?

Any general or minor home improvement items such as:

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

You can even use the funds for a deposit on a new property if you like.

How much can I borrow?

We will generally fund from a minimum of $2,000 and up to a maximum of $50,000 for the relevant property or up to 80% of 2 years worth of rental income.

How much does it cost?

We charge a monthly service fee of 1.25% of the total cost of property improvements which provides the convenience of paying for improvements and maintenance now and pay later at a more agreeable time from a cashflow perspective.

What is the maximum term I can choose?

We offer pay back periods of up to 24 months. You can select either 6 months, 12 months, 18 months or 24 months as your repayment term.

How are my property improvement costs paid?

Rello makes a payment for the full amount required to you or your real estate agent. You or your real estate agent then pay the relevant invoices for the services you need.

When are repayments due?

Your Payment Schedule sets out when payments are due to be paid by you to Rello.  Monthly payments are deducted directly from the rental proceeds of the relevant property via direct debit from your account.

Where there is no rental income to draw upon, it is your responsibility to make the instalment payment directly to Rello.

How will I know when my payment is due?

You will have access to an online portal which sets out your payment schedule including payments made and outstanding balance.

You can pay back at any time with no early repayment penalty fees.

What happens if I withdraw a property from the rental market?

If your property is vacated, we will pause repayments for up to 2 months for you to find new tenants.

If for whatever reason you decide to withdraw your property from the rental market, any outstanding amount of Our Share of Rent will be due within 14 days of the date we issue you with a statement of account.

What information will you need?

Getting on board with Rello is easy. Your real estate agent can assist you in completing the application or you can apply online at

We will need the following from you:

  • Your contact details
  • Your drivers licence or passport
  • Your rental property details
  • Your Property Manager’s details
  • A copy of the agency agreement and tenancy contract.

Rello will review your application and let you know when you’re good to go.

Can I use it for more than one property?

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

Still have questions?

Chat with one of our members from Team Rello to see how it works for you.

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