Lease Furniture, Don’t Buy It


We provide specialist lease finance for furniture to landlords just like you, helping you retain your capital for reinvestment and expansion, regardless of the property strategy you use.

  1. Choose your furniture trade suppliers – Get the quality you want, not just what you can afford
  2. Pay in monthly instalments – Have we mentioned that leasing is the most tax efficient way to run your business? All payments are 100% tax deductible, so say hello to higher profits!

If you’re serious about quickly expanding your property business, then we’re the partner you’ve been searching for.

In fact, we’re the ONLY lease finance company in the UK that will understand your property business AND provide you with specialist finance that is right for you and your project.


Ashley Weekes
Being introduced to Landlord Smart as a young property entrepreneur was a real lifeline for me as I was struggling to raise the necessary upfront capital.
Ashley Weekes

Pure Luxury Living

Carl Bennett
This service is ideal for companies looking to off-set initial costs and preserve cash flow, allowing us to quickly grow in the most cost-effective way.
Carl Bennett

Bournebrook Property Ltd

Andi Cooke & Lloyd Girardi
Landlord Smart have helped keep £13,000 in our business AND we were reimbursed £16,000 for purchases that had already been made.
Andi Cooke & Lloyd Girardi

White Box Property Solutions Ltd

Sherron Williams
I would highly recommend Landlord Smart to anyone seeking finance to secure rental furniture. You will not be disappointed - great team, great service!
Sherron Williams

UrSpaceToo Ltd

Ashley Weekes
Landlord Smart have made it very easy to get finance to furnish our serviced apartments and we’ve used them three times over the past few months.
Ashley Weekes

Pure Luxury Living

Andi Cooke & Lloyd Girardi
Using Landlord Smart is definitely the best way to finance furnishing our projects because it’s tax efficient and we can now use that cash to grow our business.
Andi Cooke & Lloyd Girardi

White Box Property Solutions Ltd

Siobhan Callaghan
Through Landlord Smart we were able to reduce our start-up costs significantly AND we have achieved the right finish, enabling us to charge a higher nightly rate.
Siobhan Callaghan

Brighter Property Solutions Ltd

Ashley Weekes
Our cashflow business has reaped the rewards from the smaller incremental payments, not to mention the tax benefits!
Ashley Weekes

Pure Luxury Living


Landlord Smart is a business designed by landlords for landlords. We know the pain of finding cash to pay for capital items and the negative effect this has on your business’s cash flow, followed by years of waiting to ‘perhaps’ get the money back via capital allowances. Our specialist funding takes away that pain and pays for costly capital items such as furniture, leaving you with manageable monthly payments that are allowable ‘before tax expenses’, meaning you’re running your business in the most tax efficient way!

There are just two simple requirements to be able to qualify for our lease finance and receive a decision in principle within 72 hours:

  1. You must be running property either as a limited company or an LLP (properties can either be owned by the business or you personally).
  2. You must have a minimum planned spend of £2,000

Landlord Smart have access to a wide range of finance associates. We pride ourselves on matching the best finance partner to you and your project, whatever property investment strategy you use.

For further information on our services, please check out our FAQ section.




  • Sourcing: We source and work with a variety of finance providers who offer the most appropriate funding for your specific property projects and financial circumstances.
  • Expertise: We are successful landlords and property developers so we will instantly ‘get’ your business and needs, but we also have a deep understanding of the finance markets, which makes us the perfect partner to facilitate you getting the right finance product.
  • Screening: We will only submit applications for finance if we know you have a strong chance of approval. We speak to each of our clients to gather all relevant information and fully explain our offering and terms.
  • Tax: For you to benefit from tax relief on all costs associated with your finance, you will not be able to take ownership of the items directly at any time. We are able to offer you continued use of the products for a further 24 months after your lease has ended for just two additional payments, equal to your monthly payment. Should you decide to upgrade your furniture after the term, it will be your responsibility to dispose of the unwanted items.
  • Administration: We have a dedicated admin team that will work with you, your supplier(s) and our finance partners to ensure your application is processed smoothly and in your required time frames.



There are over two million landlords and property professionals in the UK alone; thousands of these landlords run businesses providing fully furnished rental accommodation. The cost of furnishing each project may not seem huge, but when you multiply these costs by the number of projects landlords undertake every year, this equates to a vast amount of capital outlay, affecting cashflow and capital expenditure within their businesses.


Whilst we want to increase the wealth and success of our clients, we also feel it’s important to give back to the community and share this wealth and success, which is why we have partnered with an organisation called Buy 1 Give 1. This means that every time we provide lease finance for a project, we provide 35 days of shelter to an underprivileged family in India.


To provide a finance service that enables landlords to furnish properties to desired standards whilst keeping capital for reinvestment in further projects, helping to grow their businesses more quickly and efficiently with the added benefit that all fees and monthly payments are 100% tax deductible.

Step 1: Phone call to discuss your project


We speak to each and every client before starting an application to ensure that our service is right for you and your project and to answer any questions you may have.

Step 2: Supplier quote(s) sent to Landlord Smart


We have a list of pre-approved suppliers or we can contact your chosen supplier and see if they are willing to work with us. We are only able to work with trade suppliers.

Step 3: Application completed 


We will work with you to quickly and efficiently complete your application. 

Step 4: Decision in principle within 72 hours


To obtain a decision in principle, a company credit check will be performed. If your company has been trading for under 3 years, a check will be made against you as an individual.


A decision in principle does not activate the finance; further paperwork will need to be completed as quickly as possible to finalise the arrangement. 


Step 5: Agreement signed & finance activated


You will need to provide various pieces of documentation to accompany your application. You will also need to print and sign the lease agreement and make your first monthly direct debit payment. Finally, you must have insurance cover for these items to cover loss, damage or theft during the lease term. This can be arranged with the finance company or with your own insurers. 

Step 6: That's it! What's your next project?


Congratulations! Your lease finance is now in place and you've joined hundreds of other SMART landlords who are freeing up capital and running their businesses in the most tax efficient way.