How to Rent in London Without a UK Guarantor: 7 Proven Paths for Students and Expats
How to Rent in London Without a UK Guarantor: 7 Proven Paths for Students and Expats
Many agents ask for a UK guarantor. If you don’t have one, these options can help you still secure a place.
1) Insured guarantor services
Specialist providers act as your guarantor for a fee. Ask your agent which services they accept and the documentation required.
2) Larger deposit (within legal cap)
If permitted, offer the maximum lawful deposit (usually 5 weeks’ rent; 6 weeks if annual rent > £50k). Note: deposits must be protected in an approved scheme.
3) Pay rent in advance
Some landlords accept 3–6 months upfront to offset risk. Ensure this is written into the AST, including how refunds are handled if you leave early.
4) Employer letter or stipend
A signed letter confirming your employment/offer, salary, and start date (or a scholarship/maintenance letter for students) strengthens referencing.
5) Open banking affordability checks
Consent to share account data securely to demonstrate income stability and affordability.
6) International guarantor (case‑by‑case)
Occasionally accepted if documents can be verified internationally. Expect extra checks and notarisation.
7) Co‑tenant or joint tenancy
Share with someone who passes referencing and agrees to be a joint tenant. Understand joint and several liability.
How to present your case
- Organise a single PDF bundle with passport/visa, offer letter, payslips/bank statements, references
- Show savings or proof of funds
- Be upfront about timelines (visa start dates, course dates)
Watch‑outs
- Never transfer rent/deposits to personal accounts without a contract
- Ensure any advance‑rent arrangement is reflected in the AST
- Keep receipts and use secure payment methods
Related reads
- The paperwork end‑to‑end: 2025 London renting guide
- Bills and council tax: Explained
- Area shortlists by budget/commute: Neighborhoods playbook
- Week‑one admin: Expat setup checklist
Disclaimer: Policies vary by agent and landlord and change over time. Confirm what is acceptable before you commit.