What is a Guarantor for Student Housing?
May 22, 2024
What is a Guarantor for Student Housing?

What is a gaurantor and why do I need one?

Wooden gavel and clipboard with

The term “guarantor” may something you have heard quite a lot when looking for student accommodation.
What exactly is a guarantor and what do they do?
A guarantor is something that most student accommodations ask for from their prospective tenants. Both landlords and agents will double check that you can provide the details for your guarantor before you check in. 
But what exactly is one?
In simple terms, a guarantor is someone who you nominate (and they agree to it) to be the backup for your payments. This means if you miss a payment or can no longer afford it, the rent charges will become the guarantor’s responsibility and your landlord may start chasing them for the money instead of you. The guarantor will sign a legally binding document, called the ‘guarantee agreement’ and return it to the landlord or agent before you move in to confirm they’re responsible for any missed or late rent payments. 
Who can be a guarantor?
You will need to check with your specific accommodation provider to see who they’ll accept. Most landlords accept international as well as UK guarantors, but there may be some exceptions. The person who you nominate will need to be over the age of 18 and be in full time employment or be a homeowner. They’ll also be required to provide a valid ID and proof of address, along with the signed contract before they’re accepted as your guarantor. In some cases, a credit check will be performed on the guarantor so that the accommodation provider can double check they have the means to pay if you cannot.
Who needs a guarantor?
This will most likely be stated in your tenancy agreement or the guarantor document which is sent to you from your student accommodation. However, typically every student will need someone to act as a guarantor on their behalf if they’re paying monthly rent or termly rent. If you choose to pay annually, a guarantor may not be needed as the money is paid upfront, meaning you’re less likely to miss any payments (providing you pay the initial annual payment of course!). Both UK and international students will require a guarantor, but as mentioned, please check with your individual accommodation provider to see if you’ll need a guarantor who currently lives within the UK or not.
What if I can’t find a guarantor?
If you don’t have anyone who could be your guarantor, but you still need one for your accommodation (as you cannot afford to pay annually), there are companies who will act as your guarantor such as Housing Hand. These do charge for their services and will run a credit check to ensure you have the funds to pay for your accommodation. This could be a feasible option if your landlord is requesting that you must have a guarantor. Companies such as UK Guarantor are a great place to look if you’re struggling to locate your own.


By Oliver Wright July 14, 2026
Common Student Renting Myths Debunked! Starting university is an exciting milestone, but it can also feel overwhelming. For many students, it’s the first time managing responsibilities such as finding accommodation, signing tenancy agreements, and budgeting for rent and household bills. Unfortunately, there are plenty of misconceptions about student renting that can make the process seem even more complicated. Here are some of the most common myths—and the reality behind them. Myth #1: Students Have Fewer Tenant Rights Being a student does not reduce your legal rights as a tenant. Students are entitled to the same protections as any other renter, including the right to live in a safe property, have their deposit protected, and receive clear tenancy terms. Your status as a student does not affect these rights. Recent changes to rental legislation have also focused on strengthening tenant protections, making it even more important to understand what you're entitled to when renting a property. Myth #2: Landlords Can Keep Your Deposit for Any Reason A common misunderstanding is that landlords can deduct money from a deposit whenever they choose. In reality, deposits are protected and can only be used for legitimate reasons. Deductions are typically made for issues such as unpaid rent or damage beyond normal wear and tear. Any charges should be reasonable and supported by evidence. To protect yourself, it's a good idea to take photographs or videos of the property when you move in and again when you move out. Having a clear record can be invaluable if a dispute arises over the condition of the property. Myth #3: You're Only Responsible for Your Own Rent This depends entirely on the tenancy agreement you sign. With an individual tenancy agreement, each tenant is responsible for their own rent payments. However, many shared houses operate under a joint tenancy agreement, where all tenants share responsibility for the full rent amount. In a joint tenancy, if one tenant fails to pay, the landlord may pursue the remaining tenants for the outstanding balance. Before signing any contract, make sure you understand how rent liability is structured and what responsibilities you may have. Myth #4: Every Student Area Is Loud and Full of Parties Student neighbourhoods often have a reputation for being noisy, but reality is usually more varied. Students come from different backgrounds, age groups, and lifestyles. While some households enjoy a busy social life, others prefer a quieter environment focused on studying, work, or personal commitments. If you're moving into a shared property, it's worth discussing expectations and lifestyles with potential housemates beforehand to ensure a good fit. Myth #5: Student Housing Is Always Expensive The cost of student accommodation can vary significantly depending on the type of property you choose. Purpose-built student accommodation often includes additional facilities such as security, gyms, study spaces, and social areas, which can increase costs. However, there are also many affordable alternatives, including shared houses, university halls, and private rentals. Exploring a range of accommodation options can help you find something that suits both your budget and your lifestyle. Further thoughts.. With so much information available online, it's easy for myths and misunderstandings about student renting to spread. Taking the time to research, ask questions, and understand your tenancy agreement can help you make informed decisions and avoid unnecessary stress. If you are ever unsure about your rights or responsibilities, don't hesitate to seek advice!
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