Finding rental properties that accept housing benefit can sometimes be challenging, but it is far from impossible. With the right approach, knowledge of your rights, and professional support from property experts like Fraser Bond, you can secure a rental home that suits your needs and falls within your financial means.
This article will guide you through the process of finding properties that accept housing benefit, explain how to present yourself as a strong rental candidate, and highlight how Fraser Bond can help you navigate this journey.
Housing benefit, now largely replaced by Universal Credit housing payments, is financial support provided to help people pay their rent if they have a low income or are unemployed. While some landlords are open to renting to tenants who rely on housing benefit, others may be reluctant due to concerns about rent payments or insurance restrictions.
It’s important to note that discriminating against tenants based on their source of income is illegal in the UK. A ruling in 2020 confirmed that blanket bans on tenants receiving housing benefit (often referred to as "No DSS" policies) are unlawful under equality laws. This means that landlords cannot legally refuse tenants solely because they are in receipt of housing benefit.
While it can be more difficult to find properties that explicitly accept housing benefit, there are ways to improve your chances of securing a rental home. Here’s how you can approach your search:
Work with Letting Agents
Some letting agents, like Fraser Bond, are experienced in working with tenants who receive housing benefit and can help connect you with landlords willing to accept such arrangements. Discuss your financial situation upfront with letting agents so they can guide you towards suitable properties.
Search for "Housing Benefit-Friendly" Properties
While searching online, use specific keywords such as "accepts housing benefit," "housing benefit considered," or "DSS welcome" to filter for properties that may be open to tenants on benefits. Websites such as OpenRent and Zoopla allow landlords to indicate whether they accept housing benefit.
Contact Local Housing Authorities
Many local councils provide lists of private landlords or housing associations who accept housing benefit. They may also offer support in finding properties suitable for your circumstances, particularly if you are on their waiting list for social housing.
Be Transparent and Prepared
When approaching landlords or letting agents, it’s important to be upfront about your situation. Have all your documentation in order, including:
Consider a Guarantor
Some landlords may ask for a guarantor—someone who will be responsible for paying the rent if you are unable to. If possible, having a guarantor with a stable income can help ease the landlord’s concerns and improve your chances of securing the property.
Many tenants on housing benefit face hurdles when searching for properties. Here are some common challenges and tips on how to address them:
Landlord Insurance Restrictions
Some landlords have insurance policies that restrict them from accepting tenants on housing benefit. While this can be frustrating, it’s essential to remember that you have the right to be considered fairly. If a landlord refuses you due to insurance restrictions, it may be worth discussing options with them or seeking legal advice if you feel discrimination has occurred.
Rent in Advance or Deposits
Some landlords may ask for a larger deposit or several months’ rent in advance from tenants receiving housing benefit. While this can be difficult to meet, some local councils offer discretionary housing payments or deposit schemes to help cover upfront costs.
Lower Rent Budgets
Housing benefit is often capped at the Local Housing Allowance (LHA) rate, which may be lower than market rent in some areas. In this case, consider looking for properties in areas where rent aligns more closely with LHA rates. Fraser Bond can help identify properties that fit within your budget.
If you’re applying for a rental property while receiving housing benefit, making your application as strong as possible is essential. Here’s how:
Provide Strong References
Whether from previous landlords or employers, positive references can go a long way in showing that you’re a reliable tenant who will care for the property and pay rent on time.
Be Flexible with Viewing Times
Being available for property viewings at the landlord or letting agent’s convenience demonstrates your commitment and seriousness about securing the property.
Show Financial Responsibility
Bring any relevant financial documents, such as your housing benefit award letter, recent payslips (if you are in part-time employment), and bank statements. This transparency can help reassure the landlord that rent payments will be consistent.
Offer to Pay a Larger Deposit or Rent in Advance
If you can, offering rent in advance or a larger security deposit may increase your chances of securing the property, as it reduces the risk for the landlord.
At Fraser Bond, we understand the challenges tenants on housing benefit can face in the rental market. Our experienced team is committed to helping you find a property that suits your needs and financial situation. Here’s how we can assist you:
While finding rental properties that accept housing benefit can be challenging, it’s not impossible. By being proactive in your search, working with letting agents like Fraser Bond, and presenting yourself as a reliable tenant, you can increase your chances of securing a suitable rental home.
If you’re looking for properties that accept housing benefit or need support navigating the rental market, Fraser Bond is here to help. Contact us today to begin your search and find the home that meets your needs.
