Updated October 2026
In short: Not any more. Since 1 May 2026, landlords and agents in England can't require or accept more than one month's rent in advance before a tenancy starts. That ended the common practice of paying six or twelve months upfront to avoid a guarantor or failed referencing. The alternatives are a guarantor, a guarantor service, showing savings or strong references, or a council scheme.
| Option | Works for |
|---|---|
| UK guarantor | Students, first jobbers, people with limited credit history |
| Guarantor service | International tenants, the self-employed, those without a UK guarantor |
| Savings evidence | People with savings but irregular income |
| Council deposit or guarantee scheme | Low-income households, those at risk of homelessness |
| Joint tenancy with a higher earner | Couples or sharers |
Why the rule changed
The Renters' Rights Act aimed to stop large upfront payments pricing people out of renting. Landlords can still use referencing and guarantors to manage risk, but not demand months of rent upfront.
How Fraser Bond helps
- Landlords who accept guarantor services
- Help with referencing for international and self-employed tenants
- Clear, compliant tenancies
Related guides
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