Updated January 2026

UK Rent Guarantee Comparison Guide

Compare the top rent guarantor services in the UK. Find the right option for your situation based on pricing, requirements, and features.

Quick Comparison

Feature CasaPay Housing Hand RentGuarantor
Starting Price From £29/month From £295 or £42/mo 3-4 weeks rent
Co-signer Required? No Yes (any country) No
UK Credit Check? No No Yes
Approval Time 5-10 minutes 24-48 hours 24 hours
Guarantee Limit Up to £15,000 12 months rent 12 months rent
Best For International students, expats Students with family support Working professionals
Mobile App Yes (iOS & Android) No No
Split Rent Option Yes (Pay-in-2) No No

Pricing and features as of January 2026. Visit each provider's website for current information.

Detailed Provider Breakdown

CasaPay Recommended for International Students

CasaPay

Purpose-built for international students and expats who lack UK credit history or a UK-based guarantor. CasaPay offers a mobile-first experience with instant approval and additional features like split rent payments.

Pros

  • + No co-signer required
  • + No UK credit history needed
  • + Approval in minutes via app
  • + Pay-in-2 split payment option
  • + Apply from overseas before arrival

Cons

  • - Newer service (fewer reviews)
  • - Works best with partner landlords
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Housing Hand

The UK's largest rent guarantor service, established in 2013. Requires a co-signer (can be overseas) and offers additional perks like virtual GP access. Good option if you have family who can co-sign.

Pros

  • + Established since 2013 (95,000+ tenants)
  • + Co-signer can be overseas
  • + No UK credit check
  • + 98% approval rate
  • + Includes virtual GP access

Cons

  • - Requires a co-signer
  • - 24-48 hour approval time
  • - Higher upfront cost (£295+)
  • - No mobile app

Pricing: From £295 upfront or £42/month for 8 months

RentGuarantor

Professional rent guarantor service focused on working professionals and endorsed by the National Residential Landlords Association (NRLA). Better for employed tenants with UK income.

Pros

  • + No co-signer required
  • + NRLA endorsed
  • + 24-hour approval possible
  • + Payment plan options available

Cons

  • - UK credit check required
  • - Higher cost (3-4 weeks rent)
  • - Less suitable for students
  • - No mobile app

Pricing: 3-4 weeks rent upfront (or instalments via PayPal/Payl8r)

Which Service is Right for You?

Choose CasaPay if:

  • • You're an international student or expat
  • • You don't have a UK credit history
  • • You don't have anyone to co-sign
  • • You want instant approval via mobile
  • • You want to split rent into two payments

Choose Housing Hand if:

  • • You have a family member who can co-sign
  • • Your co-signer is overseas (they accept this)
  • • You prefer a long-established provider
  • • You want the virtual GP perk

Choose RentGuarantor if:

  • • You're a working professional with UK income
  • • You have a UK credit history
  • • Your landlord specifically recommends them
  • • You want NRLA-endorsed service

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Rent Guarantee Comparison FAQ

What is the cheapest rent guarantor service in the UK?

Pricing varies by provider and rent amount. Housing Hand starts from £295 or £42/month. RentGuarantor charges 3-4 weeks rent upfront. CasaPay offers competitive monthly pricing based on your guarantee limit. The cheapest option depends on your specific rent amount and tenancy length.

Do I need a co-signer for a UK rent guarantor service?

It depends on the provider. Housing Hand requires a co-signer (parent, family member, or friend) but they don't need to be UK-based. CasaPay and RentGuarantor don't require a co-signer - they assess your own financial situation.

Which rent guarantor service is best for international students?

CasaPay is specifically designed for international students, accepting student visas, enrollment letters, and scholarship proof. Housing Hand also works with students but requires a co-signer. RentGuarantor focuses more on working professionals.

What's the difference between a rent guarantor and deposit alternative?

A rent guarantor (like CasaPay, Housing Hand) guarantees your monthly rent payments to the landlord. A deposit alternative (like Flatfair) replaces the security deposit but doesn't guarantee rent. If you need both, some services like CasaPay offer combined solutions.

How quickly can I get approved for a rent guarantee?

CasaPay approves most users within 5-10 minutes through their app. Housing Hand typically takes 24-48 hours. RentGuarantor can approve within 24 hours if documents are in order. Speed varies based on document verification requirements.

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