Guarantors for private tenants

A guarantor is someone who agrees to pay your rent if you do not pay it. They sign an agreement which has their responsibilities and when they have to pay.

You do not always need a guarantor to rent in the UK.

But many landlords and agents ask for a guarantor before offering you a tenancy.

Some people are more likely to be asked for a guarantor.

For example, if you:

cannot give references from a previous landlord
are a student or renting for the first time
have a low income or get benefits
move to the UK from overseas
have gone bankrupt

Who can be a guarantor

Guarantors can be people like your relatives or close friends, but they do not have to be.

Landlords and agents often check your guarantor's credit history, income and money.

They might say your guarantor must be a homeowner.

Your landlord or agent cannot charge extra fees if you need a guarantor. For example, they cannot charge for checks or a guarantor agreement.

Guarantor agreements

A guarantor agreement is a legal document.

Your guarantor should get copies of both the tenancy agreement and the guarantor agreement before they sign anything. They should read both carefully before signing.

Make sure you and your guarantor understand:

when the landlord can ask your guarantor for money
what happens in a joint tenancy
how long the guarantor agreement lasts

Make sure you and your guarantor are happy with the agreement.

When your guarantor can be asked to pay

A landlord could ask your guarantor to pay if you:

do not pay rent on time
cause damage to the property

They should contact you about the problems first.

If neither of you pay what's been agreed, the landlord could apply for a county court judgment (CCJ) against either or both of you.

A CCJ is a court order which says you owe someone money.

Guarantors for a joint tenancy

Each joint tenant is responsible for the total amount of rent, not just their share. Any tenant can be asked to pay if other joint tenants do not pay their share.

This is called being 'jointly and severally liable' for rent.

A guarantor agreement for a joint tenancy works the same way. Your landlord can usually ask your guarantor to pay if another joint tenant does not pay rent. This can happen unless the guarantor agreement says they do not have to.

If there is more than one guarantor, each one should sign the guarantor agreement and agree to any changes.

Example: shared student house

The landlord might ask a parent of each student to guarantee the rent.

Each parent could be responsible for the whole rent unless they have an agreement which says they only have to cover their child's share.

How long a guarantor agreement lasts

How long a guarantor agreement lasts depends on what the agreement says.

Your guarantor should make it clear if they only want to be your guarantor for a set amount of time.

If the landlord agrees, it should be clearly set out in the guarantor agreement.

Changes to the tenancy

A rent increase or new tenancy agreement usually means that you need a new guarantor agreement. The old one cannot be used anymore.

But your guarantor could still be responsible if either:

they agree to the change
the guarantor agreement says it does not end in these situations

If the tenant dies

For guarantor agreements signed from 1 May 2026, guarantors of private assured tenants will not be responsible for unpaid rent after the tenant dies.

This only applies to joint tenants if either:

the joint tenant who dies and the guarantor are related
every joint tenant dies

A debt adviser can check the guarantor agreement if your landlord tries to use it.

A court can decide if the guarantor agreement is still in place if it's not clear.

Your landlord or agent might not be able to use it if your guarantor was forced, pressured or misled into signing.

Options if you do not have a guarantor

You could apply for a discretionary housing payment (DHP) to help with rent in advance or a deposit if you get universal credit or housing benefit where you live now.

Some councils and charities have rent guarantee schemes that: