LeFi

Your smarter
ReFi alternative.

Cash out up to $100k
from your property.

Unlock your
rental income today.

Calculate Your Cash Out
$100k / property $500k / person
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What Makes Us Special

A genuinely different way to access the cash in your investment property.

No Personal Financials Required

No personal financial statements, income documents or paperwork. We look at your property, not your payslips.

Short Duration

No 30-year refinance and no personal loans. A short, fixed term of up to three years gets you the cash you need, right when you need it.

Soft Credit Check Only

We only ever run a soft credit check, so seeing what you qualify for never touches or affects your credit score.

How It Works

1

Property Manager Handles Payouts

Your property manager splits rental income between you and LeFi automatically.

2

Tenant Stays in Property

Nothing changes for your tenant. You keep the flexibility to manage your portfolio.

3

No Penalties for Vacancy

Unlike bank loans, vacant properties won’t trigger repayments from you.

Calculate your cash out.

Add your managed investment properties to estimate how much rental income you could bring forward today.

Estimated upfront cashout $0
Total repayable$0
Cost per year0% p.a.
Establishment fee$0
Repayment period3 years
Drag to adjust your cash out — from $10k up to your maximum
Rental income you keep 0% $0 /fortnight
Repaid to LeFi 0% $0 /fortnight

Illustration only. Your cashout is up to two years of rent; you repay 1.3× that amount — which includes a one-time establishment fee ($2,900 under $30k, $3,900 for $30k and over) — from rental income, fortnightly over three years. Figures don’t constitute an offer — final amounts are confirmed on application.

Start Your Application

Like what you see? Let’s check your eligibility.

✓ No impact on your credit score    ✓ No-obligation application

Unlimited Ways to Use Your Funds

Your rental income advance, put to work however your portfolio needs.

Most Popular

Deposit Finance

Leverage your advance as a deposit for new investment properties and accelerate portfolio growth without waiting for slow rental accumulation.

Painted illustration of a kitchen mid-renovation
Most Popular

Renovations

Kitchen remodels, bathroom renovations and structural improvements that increase rental value and tenant satisfaction.

Painted illustration of a tradesperson doing home maintenance

Maintenance

Handle property upkeep and repairs to maintain tenant satisfaction.

Painted illustration of a freshly furnished living room

Furniture

Furnish properties to attract higher-quality tenants and premium rents.

Painted illustration of a desk showing rental cashflow growing

Cashflow

Bridge rental income gaps and maintain smooth property operations.

Painted illustration of a home loan statement marked paid

Paydown Debt

Reduce mortgage balances and improve property equity positions.

When refinancing isn’t the answer

A refinance isn’t always the right move. These are the moments when bringing your rent forward makes far more sense.

You’ve just bought

A fresh purchase is already maxed out at the bank’s LVR limit, so there’s no room to borrow more. We unlock cash without touching your loan.

You’re late in your term

Refinancing resets the clock on your mortgage. Access your equity now without restarting a fresh 30-year term.

Rates have moved against you

Refinancing today could reprice you onto a higher interest rate. Bring your rent forward instead and leave your existing loan exactly as it is.

You’re in a fixed-rate term

Breaking a fixed rate to refinance can trigger hefty break fees. Access your cash without disturbing your fixed-rate loan or its term.

LeFi vs Traditional ReFi

See how LeFi’s innovative approach delivers faster, simpler, and more flexible rental income advances compared to traditional refinancing.

LeFi Capital Traditional ReFi
Processing Time ✓24–48 hours ✕4–8 weeks
Application Process ✓100% Online ✕Multiple meetings
Personal Statement Data ✓Not Required ✕Required
Credit Check Impact ✓Soft credit check only ✕Hard credit inquiry
Cost of Funds ✓Fixed cost over 3 years ✕30 years of interest
Advance Amount ✓$100k per property ✕Limited by property value
Testimonials

Trusted by Property Investors

Real stories from real investors who’ve unlocked their rental income with LeFi.

Video testimonial Watch Sam’s storyProperty Investor
★★★★★

“We’re thrilled with LeFi – they helped us sort our furniture and house upgrades faster than we ever imagined. The whole process was quick, simple, and hassle-free.”

$60,000Unlocked
48 hrsApproval
DepositUse of funds
AshtonAshtonProperty Investor
★★★★★

“For me it is a 5, both for the concept of the offering and for the delivery. My experience was excellent and professional. I have already recommended your organisation to others.”

$35,000Unlocked
24 hrsApproval
RepairsUse of funds
Murray G.Murray G.Property Investor

Frequently Asked Questions

What is LeFi?

LeFi brings your future rental income forward into a single upfront amount. It’s a rental income advance — not a loan or credit product.

What type of properties do we fund?

Tenanted residential investment properties in New Zealand that are managed by a property manager.

How does a Rent Advance work?

You receive cash upfront, then your property manager splits future rental income between you and LeFi until the advance is repaid.

How are the advances repaid?

Automatically from your rental income via your property manager — there are no separate repayments to make yourself.

What are the term lengths?

Advances run on fixed terms of up to three years.

How much does a LeFi Advance cost?

A single one-time establishment fee. No interest, and no hidden fees.

Does LeFi impact my credit rating?

No. We only run a soft credit check, which has no impact on your credit score.

What if my tenant is in arrears?

Vacancies and arrears won’t trigger penalties or direct repayments from you.

Is LeFi a financial product?

LeFi is an advance facility, not a loan or credit instrument.

Is a LeFi Advance taxed as income?

We can’t provide tax advice — we recommend confirming the treatment with your accountant.

Ready to Unlock Your Rental Income?

Estimate your cash out in seconds, or give our team a call today.

Calculate Your Cash Out Contact Us