The term DSS properties refers to rental homes that accept tenants who receive housing benefit or Universal Credit, historically provided by the now-defunct Department of Social Security (DSS). While the department no longer exists, the phrase remains widely used in the UK housing market.
Despite legal protections for benefit claimants, many renters still face challenges when searching for DSS-friendly properties, and landlords may be unsure about their legal obligations or risks. Whether you're a tenant seeking secure accommodation or a landlord looking to make your rental property more inclusive, this article explores the realities of DSS rentals, dispels common myths, and outlines how Fraser Bond supports fair and legal housing practices.
“DSS accepted” or “DSS tenants welcome” traditionally meant that a landlord or letting agent would consider tenants who receive state support to help pay their rent—such as:
Housing Benefit
Universal Credit (with housing element)
Personal Independence Payment (PIP)
Income Support, ESA or JSA
Today, while the Department for Work and Pensions (DWP) administers benefits, the term “DSS” persists in listings and tenant discussions.
Landlords cannot legally refuse tenants simply because they are in receipt of benefits. In July 2020, a landmark court ruling declared that blanket “no DSS” policies are unlawful and discriminatory under the Equality Act 2010, especially where this disproportionately affects women or disabled people.
Carry out affordability checks
Request references or guarantors
Ask for proof of income or rent coverage
Use “No DSS” or similar phrases in listings
Automatically reject applications from benefit recipients
Partner with agents or platforms who exclude DSS applicants
Despite legal changes, some landlords still express concerns about letting to tenants on benefits. These include:
Universal Credit is typically paid in arrears, and it may take several weeks to process new claims. However, direct-to-landlord payments (APA – Alternative Payment Arrangements) can be arranged.
Older landlord insurance policies may exclude DSS tenants. Modern policies now include cover for all tenants, and Fraser Bond can recommend providers who are DSS-inclusive.
Some mortgage lenders previously prohibited renting to benefit claimants. Today, most mainstream lenders no longer enforce this clause, but landlords should confirm their terms.
With the right referencing and support (e.g., guarantors or Local Housing Allowance top-ups), many benefit recipients are reliable, long-term tenants. Many also qualify for Discretionary Housing Payments in emergencies.
Larger tenant pool in high-demand areas
Longer tenancies with less frequent turnover
Support from local councils or housing officers
Opportunity to fulfil social responsibility goals
Access to rent guarantees and bond schemes in some regions
By welcoming benefit recipients, landlords not only help address the national housing shortage but also gain access to stable, consistent tenancies.
At Fraser Bond, we promote fair, inclusive renting practices that are fully compliant with legal standards and local regulations. We support both tenants and landlords in the DSS space through:
Access to DSS-friendly listings in London and beyond
Guidance on preparing applications and documentation
Support with rent budgeting and affordability checks
Tenant vetting and referencing (including DSS applicants)
Assistance with universal credit rent arrangements
Advice on insurance, compliance, and legal updates
Full lettings and management with inclusive marketing strategies
Our approach ensures that both parties feel informed, supported, and secure throughout the tenancy process.
The demand for DSS properties remains strong in today’s rental market. With legal clarity and the right guidance, landlords can offer inclusive housing while benefiting from loyal, long-term tenants. For renters on benefits, knowing your rights and presenting a strong application can open the door to a safe and stable home.
Fraser Bond is committed to building a fairer rental market—one where income source does not limit housing access. Whether you're a tenant or landlord, our team is ready to help you navigate the DSS rental landscape with professionalism and care.
