HELP, I Can’t Get A Guarantor

Help, I need somebody

On various occasions I’ve had prospective tenants ask me what they should do if they’re unable to get a rental guarantor. Personally, as a Landlord, I would feel extremely uncomfortable about giving tenancy to anyone that couldn’t arrange a Guarantor. Why? Because I’d only be thinking the following…

Why doesn’t anyone trust this person enough to be their Guarantor?

Of course, that’s just me being cynical (by nature). There are potentially endless amounts of genuine reasons why someone is unable to arrange a Guarantor. However, regardless of the justifications, it’s still a problem for Landlords. Or at least, it should be a problem.

As a tenant, I imagine it’s extremely frustrating to be deprived from renting a property because of an external factor like the inability to arrange a Guarantor. Because at the end of the day, the lack of Guarantor isn’t really a reflection of how good or bad someone will make as a tenant. But unfortunately, they are rather necessary for the landlord’s own security.

Most letting agents should require tenants to have a guarantor, but ultimately it is down to the Landlords discretion. If a landlord wants to take on tenants that don’t have a guarantor, they can do so at their own risk.

How to substitute for a Guarantor

There are ways tenants can try to persuade landlords to consider accepting their tenancy without a Guarantor. I’ve found that the methods I’m about to discuss work quite well.

A Guarantor is all about providing the landlord with a sense of security. A landlord wants to know that if their tenant falls in arrears or damages the property, he/she has a security cushion to soften the blow. So as long as a tenant is able to provide a substitute form of security that a Guarantor does, then the landlord should be willing to make a compromise.

Method 1- Rent Guarantee and Legal Expenses Insurance

A prospective tenant could suggest paying for a rent guarantee and legal expenses insurance policy. What is that? It’s an insurance policy for Landlords that covers rent if tenants fall in arrears. Additionally, if the tenant runs up any legal costs (e.g eviction costs), then the insurance company will pay for it.

I’ve got policies like this in place, and have actually had to claim before. It’s actually a pretty good substitute (if not better) than a guarantor. However, I recommend having both in place. Policies can vary in price, but it cost me approximately £120 for a year, which I think it pretty damn good.

If you, as a tenant, are willing to pay that extra insurance cost, it maybe just enough to clinch the property you want to rent, without a guarantor. Here’s more details on Rent Guarantee And Legal Expenses Insurance.

Just to clarify, landlords can take this out at their own will, regardless of their tenancy circumstances.

Method 2- Increase the security deposit amount

Another way of persuading the landlord is by increasing the security deposit amount.

Security deposits are most often used for the following:

  • to clean the property at the end of the lease term, if the tenant did not leave the property in a clean condition;
  • to pay utility bills, if the tenant did not pay the bills; or
  • to pay rent, if the tenant did not pay the rent.

In order for a tenant to persuade the landlord, he/she could offer two months worth of deposit, as opposed to the regular one month. This should provide the landlord with a better sense of security.

It’s also important for tenants to be aware of the landlord’s legal obligation to secure the deposit into a Tenancy Deposit Scheme. This means that the landlord won’t be able to unfairly keep the deposit at the end of the tenancy- which is an important security measure for tenants if they’re going to be paying more than the average deposit.

Method 3- Rent Guarantee and Legal Expenses Insurance & Rent Guarantee and Legal Expenses Insurance

If a tenant is in love with a particular property, and is willing to lick gum off the landlords shoe to secure the tenancy, then they could always combine the two methods; double the security deposit and pay for the insurance. While this particular method may significantly increase the initial costs of becoming a tenant, they should remember that they have the opportunity to regain the security deposit at the end of the tenancy (as long as they behave well), so the only real cost will be the insurance.

Final thoughts…

Personally, I would accept either of those alternatives for a Guarantor as long as the tenant scores highly in other areas, such as good references from previous landlords and employers. But as mentioned, at the end of the day, it is ultimately down to the landlords own discretion. The landlord may even decide he/she doesn’t require a Guarantor. Of course, I would question the sanity of that landlord.

121 Comments - join the conversation...

Showing 72 - 121 comments (out of 121)
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Twattybollocks2011-11-08 22:06:40

Ahhh - a worthy opponent at last.

Alec - your responses are very well reasoned however when you enter the rental market you take the risk that for whatever reason, at anytime in the future, the LL will want the property back. Now I'm not sure about you but I certainly don't have a crystal ball into tomorrow let alone 10 years in the future. Why don't you try becoming a LL to actually see what it is like and then you will be able to write a more accurate account. Instead of restricting the LL more why not try to help the rental sector by ridding it of the rogue LL's and the scum LL who charge extortionate rents for squalid conditions? Maybe that's too hard for you? Many councils are introducing mandatory licencing of HMO's BUT they are charging the good landlords huge fees whilst quite openly stating that the inflated fees are there to help prosecute the landlords who don't comply. Well that's fair isn't it. And you don't want me to charge more?

I would indeed be able to patronise you more effectively if you actually had a valid and logical argument. If you prefer the rental conditions and terms in the countries you mentioned then why not go and live there? This country is stuck with the current system until the ridiculous legislation created by the previous government pertaining to LHA payments direct to tenants is reversed. Many properties are owned and managed by letting agents who have less oversight into their operations. Whilst many areas of the country are introducing landlord accreditation schemes the letting agents are not not required to even be members of professional bodies such as ARLA.

As a tenant for 30 years you obviously have an extensive insight into the rental sector , albeit from a limited viewpoint. Perhaps if you want to change the way the rental market works you should stand for elected government so you can actually try to change policy instead of moaning how bad things are? Me? I'm happy being a Landlord and providing good quality accommodation.

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uncre numynberg2011-12-29 23:55:31

Both lanlords and tenants are being Raped blindly! Being fought off of eachother argueing and sueing eachother..the economy/market/politics is not as complex as it is made to look...its simple....STOP raping the people!! The real blood suckers, rapists, murderers and theives are getting away with it red handed! Conquered and divided countries and nations, and now even cities, towns and neighbours are contaminated!!! THERE IS NO PEEEEEAAAACCCCCCEEEEEEE!!!!!!!!!!!!!!!!!!!! Until we stand up to the theives and murderers...together!!!!!!!! Simple!!!!

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uncre numynberg2011-12-29 23:59:48

lets stop being victims of mind control..they have made you and sculpted you and you know not...wake up folks!

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claire2012-02-01 19:28:10

Hi I'm wondering if anyone can give me some advice, I'm a single mum with 3 kids at the moment I'm living with my parent's due to domestic violence I'm on the bidding list but properties in the area I'm staying in don't come up to often so i decided to look at renting, I'm currently calming income surport and found out I'm entitled to 795 housing benefit per month, I found a lovely property that wound be perfect for me and my children i have the deposit the months rent in advance and the 210 admin fee but i have bin turned down by the agent as my parent's was going to be my guarantor but they are retired the agent said they will have to av 10.000 in savings or earn 29.000 a year which they don't but they own there own property and have good pensions coming in every month, i have no one else to ask to be my guarantor is there anyway of me getting around this. Pls could someone help or give me some advice thank you

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Benji2012-02-01 19:44:47

Maybe worth a try. Get a copy of the land registry (£5 online) showing the property is owned outright by your parents, showing that there is no mortgage or charges against the property. The agent may accept that.

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claire2012-02-01 20:04:34

@benji, thanks for the advice i'll give it ago x

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Midlander2012-03-01 20:46:28

I have read this thread with interest as, even after being a home renter for about 18 years with no problems regarding rent arrears, I find myself needing to move and am being asked for a guarantor at every turn by lettings agents. As a retired lady with immaculate renting history, I am finding this quite an insult. I could find a guarantor but, quite frankly, I don't want to.

My reasons for moving are:
a) A landlord who just will not fix things that are his remit (I've been here 2 years) and
b) A family next door who have turned into Neighbours From Hell! (I won't go into details.)

I personally believe that this guarantor business is CODSWALLOP. Every time I ask a lettings agent the reason why one is required, I get a different answer! The latest was "the landlord needs one to be able to validate his insurance". I don't believe this for one minute - can anyone confirm if this is true or not??

And of course - as someone else has mentioned - the agent will charge me an extortionate amount to reference the guarantor! Smelly? Yes!! It's the landlord (allegedly) that wants the guarantor, let him pay for it!! Big business for lettings agents.

I can present evidence of paying rent monthly by standing order, for years if necessary. And why would I want to get into trouble, at my age, by defaulting on my rent?? It's ridiculous. Why has this scam appeared on lettings agents' books in the last year or so? I am angry. >:(

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Mr X2012-03-01 22:26:18

Hi Midlander

That is very annoying!

I suppose it is policy for these letting agents to have a guarantor also, however charging you for it is a slap in the face.

As a landlord that references my own tenant through a private company, I can tell you that the only time I will call for a guarantor is if there is any flaws in your personal referencing such as low credit score, questionable afordability, etc. Do they say they need a guarantor BEFORE referencing you?

Regarding your question about the insurance, this seems like rubbish to me. Rent guarantee insurers would only require a guarantor if you alone do not meed their checks.

So the main question is whether they ask for one before or after referencing you. If it is after, then you may need to check what is causing the problems. If it is before, then the agents/landlords are idiots!

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Alec2012-03-02 08:57:02


Unfortunately, while rented property is in such high demand (due to the inability of first time buyers to get on the housing ladder) letting agents will concoct ever more devious ways to charge fees (for doing very little) because there is no shortage of tenants for every property that comes on the market and tenants have no choice but to pay them if they want the property.

To entice landlords, some letting agents will offer rent guarantees that can only be honoured by a guarantor. This discriminates against all those who can't supply one for whatever reason.

The whole industry needs to be properly regulated to prevent the extortion that letting agents are currently getting away with and landlords need to understand that their tenants are all individuals and a retired lady without a guarantor is probably going to be a better tenant than a 19 year old student with one.

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CAH1772012-03-02 10:44:48

Hi Midlander,

I think the reason that lettings agents require you to have a guarantor is because you are retired. Strange I know but for a lot of referencing companies you need to have a minimum income. They can take your pension into consideration (some will also take saving into consideration) but a lot of the time the pension income is not sufficient to meet the income level for the rental figure. This will then mean that you need a guarantor. Stupidly they wont take into consideration the fact that you are a long term renter and have always paid in full and on time.
If the LL of the property wants you as a tenant despite that fact that you are unable to meet with the referencing criteria, they would then have to sign a disclaimer that you have not passed referencing which would then invalidate any RLP (rent and legal protection insurance) they may have.
In my experience a lot of referencing companies include 1 free guarantor check with every reference they put through. Not all do this and lettings companies will prob endeavour to make money from this is some way shape or form (as you have seen).
As for advice on what to do....if you want to go through a letting agent then unless you get one which can see sense you will need to get a guarantor. Failing that go to a private LL. I wish I could be more help. I would rent to you though :-)

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Armin2012-03-02 11:51:41

[..]The latest was "the landlord needs one to be able to validate his insurance". I don't believe this for one minute - can anyone confirm if this is true or not?? [..]

Yes. I can confirm that. If you as a landlord want rental shortfall insurance, then your prospective tenant must be on a sound financial footing, as determined by the insurance company.

It's not required for building insurance. But if you as landlord want to hedge against the risk of tenant not paying rent, then you need to satisfy the insurer's demands. Last year I have for months tried to satisfy the insurer's standards.

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Midlander2012-03-02 23:23:30

@ Mr X
Thank you for your sympathy :) and I'd like to say that one of the first questions I am asked is: "How are you going to pay your rent?" So...po-faced...I reply "by standing order, as I always do!" although I know exactly what they're getting at! lol And they always ask for a guarantor long before doing reference checks!

@ Alec
Also thanks to you for your reply, and I agree with you entirely.

@ CAH177
Finding a private landord is much more easily said than done, unfortunately. Certainly round my way. You sound like a nice landlord - you haven't got a super 1 bed garden flat in SE London, have you?? :D lol

@ Armin
Thanks for clarifying that! So perhaps it's true after all.

Oh well, will just have to keep on trying, but not holding my breath. Best regards to all landlords & tenants alike!

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Cath Brown2012-04-04 14:05:24

Well this is an example of the ludicrous housing situation that exists in britain. A massive housing shortage allows landlords to call all the shots, charge extortionate rent, require ridiculous security and have minimal liability. Rather than providing quality products people would not wish to give up the UK rental model is lock ins with contracts. There is almost no other area of commerce which is so unevenly skewed in favour of the seller.

I've rented property in spain, the netherlands, USA and canada., In all these places the idea of a guarantor is unheard of and in some illegal. The minimum term is usually 3 months though the tenant can cancel at any time with a months notice. There are strict standards on habitability especially in Canada and the Netherlands. In all the tenants rights and those of the landlords are much more evenly balanced. This is the opposite in rip off britain sadly and its only getting worse..

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Matt2012-06-12 12:09:23

Anyone who agrees to be a guarantor for someone needs their head looking at. Who on earth is going to sign up to paying someone's rent for them?!! Madness.

I'm currently trying to rent a property while I work a 7 month contract, and despite having proven my six figure income, and cash in the bank, I'm told I still need to provide a guarantor. What a crock of s--t. This is just landlords wanting six months rent paid in full, earning interest in their bank account instead of my own, where it belongs (seeing as I bl--dy earned it).

I'm going to take the cash to the estate agents, and smile sweetly as I hold it aloft and say "Look at what you could've won" before putting it back in my pocket and walking out, wasting everybodys time for them in the process.

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Racquel2012-06-12 21:36:38

So my problem is this - I'm a 21 year old student with no family, none. I've always been a ward of the state, and while I bounced around in halls as soon as I went to uni, I'm not looking to strike out on my own, but I always get blocked with the guarantor thing. My foster mother has offered to help, but she doesn't earn a lot and doesn't own a home so she doesnt qualify... In your opinion, would the landlord accept me paying for the insurance and a guarantor with a reduced income?

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Midlander2012-06-13 00:07:47

I can't believe what I'm hearing here! A 6 figure income & they want a guarantor?? Stupid b'stards.

Landlords & letting agents have just become too greedy. However, 2012 is the Year of the Big Crunch, I believe (in many other ways too), and when more people lose jobs, ludicrous rental prices are rejected, councils are overwhelmed by the amount of people looking for social housing which they can't provide, and homeless people start to line the streets...things will have to change. Rents must be capped & landlords/agents must be obliged to accept tenants on trust, as they used to do. It's only the minority of bad tenants that cause trouble after all, as has always been the case.

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kay2012-07-11 17:18:07

i need a guarantor would my retired nan and grandad be able 2 be 1for me they own their house and have an income of £800 a month !!

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Midlander2012-07-11 20:25:20

I don't think so - their income isn't sufficient!

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Chris2012-07-11 21:41:47

KAY; to be a guarantor I do believe the people, person or company will have to have spare the same in rent a month just in case you cant pay it. Also depends on what the rent is. I also agree with Midlander I have been told before now a guarantor would need 3x the rent spare a month. Not many folk got that knocking around.
Personally I think its a load of old horse shit.

But if you are self employed then you do not need a guarantor or any letters of reference.... Just the six months rent up front and paid before you get the keys, then the same a again if you want to stay.
I would do this but it sounds as dodgy as a week old kebab or any food a week old for that matter. You wouldn't touch it never mind eat it.

KAY: also go talk to the letting agency in person ask them what they can do etc you might hit lucky.

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matt2012-07-11 22:01:04

All true, i swear.

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Midlander2012-07-11 22:33:43

I did believe you! That was just a rhetoric question!

I have discovered one thing that can work - when they start mumbling about guarantors, I state quite firmly that I'm not prepared to go down that road but that if the flat is to my liking, then I'm prepared to pay 3 months in advance, setting up a standing order for rent payment after that; this has been accepted by some

agents, after consulting with the landlords.

However I still haven't moved, as sadly the standard of accommodation on offer to lower income tenants these days has to be seen to be believed.

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Midlander2012-07-11 22:35:20

Sorry about the last post! The website started to go haywire just as I was posting - don't know why that happened!!

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kay2012-07-12 17:14:19

thank you for your help i went to 2letting agencies and both have said that my grandparents can be separate guarantors which i am very happy about they just have to give proof of pension so they have to give a bank statement :-) :-)

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AJ.912012-08-08 21:53:52

I lost my job a while ago and eventually began to sign on and it feels like everyone intentionally or not, looks down on you, no work for too long is very difficult, bin through my son being born and losing family. I know landlords prefer working tenants and I would if I could (if it was that easy)
But I live in a property on a street full of damp houses, (council) not built for modern living according to housing allocations manager ... but not willing to help us with the constant repairs. They built new homes for my street, then in the last few months sold them to a private landlord. So councils are not perfect ( more stories if your interested :)) I've tried asking to pay a bigger bond, more rent extra insurance, not everyone Is the same, i understand that, but. Being at the bottom of society you do begin to wonder who gives a crap about our health. None of that human right crap it doesn't apply to everyone not to sound sour but what do you expect, only people in a position like mine can understand. The only advice I can offer Is burn your arse to find a job no matter how mundane/depressing, work like hell for promotion to buy your house but never forget the kind of person you were.

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Sarah2012-08-16 15:30:58

Wonder if you can help me, I have rented my flat through a letting agency with a six months short assured contract. My landlord is looking into saling the property which i was only told about last week. my contract ends on the 29th sept. So i'm now ringing around lettings and everyone is now asking for a garantour, I have a perm fulltime job which is min wage so I earn roughly £10,000-£11,000 per year with overtime at christmas. I am entitled to housing benifit each month for £117 on top of my wages, I pay my rent and bills without fail I work dam hard yet cannot get anyone to garantour me for love than money. Not everyone who cannot get garantours are bad people and not one letting agency will accept me without one its crazy. Esp when the landlord is garanteed to get his money fullstop. I could end up homeless which I do not want to have happen to me as I have a secure job which enjoy very much and without a home to live in ( no address ) then that will mean bye bye job etc. I am so desprate to get help Im going out of my mind, Im crying all the time the stress is unreal its making me ill. Please if you know of anything that can help me to get a garantour or a good enough reason that I can give to these letting agents as to why they should accept me without a garantour. The flat Im living in until Sept accepted me without one but they wont do it for another flat. Please HEEEEEEEELP!!!!!!!!!!!! xx

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eric2012-08-21 19:34:32

hi, why is a section 21A only 8 weeks long ? for people who are on benefits 8 weeks = 4 fortnights (providing your on fortnightly pay) so that equates to just 4 payments, how in gods name can any letting agent expect unemployed people and people on other benefits to produce rent money bond money and the biggest con of them all the admin fees. since when did signing a contract and visiting a property after a phone call cost so much money and why? wouldnt that money be best used against the bond and rent for low income families? my landlord has just played a blinder and has decided to sell up, leaving me and my family of 2 just 8 weeks to either come up with almost £1500 AND a guarantor or go homeless. there needs to be some better way of helping people who have been given an eviction notice, without them having to lower there own standards and become squatters just to keep there families safe with a roof over there heads.

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Midlander2012-09-25 08:35:36

"I've rented property in spain, the netherlands, USA and canada., In all these places the idea of a guarantor is unheard of and in some illegal."

@ Cath Brown
I'm beginning to wonder if this demand for guarantors, and discrimination against low earners, isn't a contravention of Human Rights. I wonder how I can find out?!

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Midlander2012-09-25 08:37:15

"... without them having to lower there own standards and become squatters just to keep there families safe with a roof over there heads."

And now they can't even do that! Squatting now illegal!

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NJD2013-01-12 12:55:30

I am about to move into a new property, fingers crossed.
I have paid the agency fees and the deposit and filled all forms in, I have been living with my partner for the last 3 months with her landlords permission but have not been on the forms or anything, therefore apparently my new landlord will need a guarantor. I have used my parents, they have a healthy income, and are a home owner.
The only thing I am worried about is as like most families with three kids they have had their own money problems so I am not sure just like my parents, whether they will get a good credit check? So anyone able to offer advice if they get refused as a guarantor?

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Midlander2013-01-12 13:31:32

If your parents have a 'healthy income' & are home owners, I shouldn't think there will be a problem but, if there is, wave goodbye to your payments to the agency including the £150 (or whatever) they charged you for referencing them!! Your deposit should be returned. No guarantor? No new property!

A light at the end of the tunnel is that very recently the govt have started looking into the ripoff business that is renting/letting agencies, presumably after many complaints from tenants. Good luck.

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NJD2013-01-12 15:00:35

Thank you very much.

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kayleigh fidler2013-02-24 17:56:25

hello my name is kayleigh i have found a place that i would like to rent but my family can not be a guarantor and then i saw this i was just wondering if you could tell me more about it and what it is as how much it would cost thank you

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Nicola2013-03-05 18:19:32

Can anyone recommend a reputable place to find the rent guarantee and legal expenses insurance policies which is mentioned at the beginning of this article?

I am located in Derbyshire, but I am guessing that these days that is nt so much a problem if I can find somewhere on the internet.

I would really appreciate someone who has a bit of knowledge about what is the best company to use.

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Jilly2013-04-06 22:19:50

Hi,i have just paid a holding fee of £200 to take a house off the market which i would like to move into!..i had been in contact with the estate agents 3 times before i finally went to view the property,there was never any mention of gurantor,credit check etc. either on the ad for the rental nor on the numerous phone calls we exchanged but as soon as i paid the £200 i was asked for a guarantor and when i went to pick up the forms today i noticed that there will also be a credit check done!!..had i known this i would not have even bothered viewing the house as i never get accepted for credit probably due to not being on the voters roll..i just feel duped and conned!!..i work on a zero hour contract and recieve some help from housing benefit!

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Midlander2013-04-07 01:13:06

It is very unusual for a lettings agency not to ask you right at the start how you will pay the rent. And ideally, you yourself should have asked them what their policy was towards HB tenants. All of them do credit checks & charge you for it, whether you are working or unemployed. However, if none of this was ever mentioned (are you sure it's not stated on their website?) then you must insist they return the £200 to you. Good luck.

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Jilly2013-04-07 18:09:18

Hi Midlander

I never asked because i have never had this sort of problem with renting before!..i usually just pick a house go view it and decide yes or no!,all this gaurantor and credit check stuff is new to me!,it does seem that most estate agents/landlords are going down this route now though!..and no it wasn't mentioned on the ad for the house at all!..just DSS mention of credit check or guarantor!..ok its only £200 but its money that could have went toward a deposit for somewhere else if i don't get this one..which i doubt i will! :( Thanks for the good luck! :)

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emma2013-04-11 21:57:31

I've been accepted for a property but my guarantor has had to pull out as the day we need to sign the papers he isn't available im thinking of offering the months rent they are asking plus another month on top would you find this acceptable im gonna be so gutted if I cannot get the property.

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Jilly2013-04-11 22:26:20

I tried that Emma!..didn't work!! :( and yeah i was gutted!! ..

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and here we go again2013-04-13 16:24:18

[...] then again the jobs/salaries are not always the same either. Not sure if anything here can help: HELP, I Can’t Get A Guarantor Reply With [...]

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Midlander2013-04-14 06:37:57

The govt is trying to get to grips with all this at last.

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Jilly2013-04-14 12:52:13

Shall have a read Midlander! ;)

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finding somewhere rent that accepts part dss - Page 22013-06-02 21:01:50

[...] this earlier, and thought it might be of interest to you (it's from a blog written by a landlord): HELP, I Can?t Get A Guarantor Reply With [...]

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Jennie2013-09-16 20:03:14

I'm an international student looking to move from Swansea to Cardiff and I was asked for a gurantor which I provided and the landlord refused staying he has to be a uk homeowner... Iv never heard of this before so I asked for another alternative and he asked for three months rent upfront which again I provided courtesy of my parents and I was still refused... I can't find a house who is not asking for uk homeowner as a gurantor(I don't know any). I'm not working either so they all get sceptical when I say I'm an international student...iv never defaulted on my rent or bills as my parents make sure everything gets paid... I don't know what to do to get a flat please help or advises anyone would be greatly appreciated.

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Chris2013-09-16 20:11:43

Hi Jennie,

Welcome to the UK & the bullshit we tenants have to put up with.

My advice at your University there will be a housing officer of some description, they will have a list of University approved landlords.

I hope this helps,


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Chris2013-09-16 20:17:30


If this landlord is on the University list complain to the housing people about this.

Your course acceptance and parents or family member anywhere should be enough guarantor for anyone when your at University.


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Vivian2013-09-17 21:14:37

Hi, Jennie! Considering that to be an international student and get a visa you have to have proved you have living expenses for an entire year, they should be THRILLED to have you. :p Talk to the uni's international office; they should have people whose job it is to help you with things like this.

I'm about to be in a similar boat--I've been an international student for the last 5 years and am about to take up a job at another uni. My family aren't in the UK so don't count as guarantors, and even if they did probably wouldn't--where I come from, we don't expect other people to sign on to our credit things. (I have a few friends who own property, but wouldn't ask them in any case, because frankly it's bullshit to ask someone else to promise you'll pay your bills when you're an adult.) I can give them a reference that I've paid my rent consistently for my entire adult life, and a copy of my employment contract if they so desire, but this is one thing on which I don't think I'll be assimilating into the local culture. Because it's stupid.

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Dawn2013-10-06 08:57:08

Thank you for writing an informative and helpful article for someone like myself who does have genuine reasons for not having a guarantor.
It may help my son and I not to be homeless in 3 weeks time.

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Nick2013-11-12 12:27:59

I too think that insisting someone has a guarantor is a ridiculous thing. I am currently renting and looking to move because of the neighbour from hell and because i was bankrupt 4 years ago this will be reflected in the credit checks they carry out. However, I am completely debt free, have a good regular income, have been in employment with the same company for 28 years and have never been in arrears with my rent and always had good relationships with my landlords. I also keep the rental properties very clean and tidy and never cause any nuisance to other neighbours. In fact i would go so far to say that i am the perfect tenant in every way. What i find so insulting is that just because i was bankrupt several years ago this is going to prejudice me for the rest of my life and it simply is so unfair. There are people out there with really good credit ratings but are in debt up to their necks while I on the other hand, have no debts or arrears whatsoever. Figure that one out.

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Andrew Ed2013-11-28 08:13:08

I'm currently staying at a friends but have to get out.

I had to leave my flat 8 weeks ago in Brighton as my partner walked out and I couldn't afford to stay there. Got all my stuff in storage and parted in good ways with the landlord.

Unfortunately I don't have a UK home owner guarantor and the agents down here charge upto 300 in "admin" fees which are non refundable. I'm finding it really stressful, I work full time and have quite a good job. Everywhere here seems to want to screw you over with fees and charge over the top rents and ask for stupid amounts of money up front just to get a roof.
Then all the times you book in for a viewing and take some time out of work, turn up and no one turns up. Ring the agents and they will say oh sorry this let this morning. Letting agents seem to be nothing but crooks

I spoke to the council and they said I am legally defined as homeless as I have no permanent residence. One of the things the guy recommended was to look at gumtree to see if anyone is offering a Sublet?
I was quite shocked as I thought this wasn't even legal and this is someone at the council recommending I do this. Shocking!

This country, my home is Fucked big time

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juliana2014-01-23 01:01:30

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