Has a landlord refused your application because you don't have a guarantor? You're not alone. Many tenants, particularly international professionals, students, first-time renters, and people relocating to the UK, are asked to provide a guarantor as part of the referencing process. Fraser Bond explains why landlords ask for guarantors and the practical alternatives that may help you secure a rental property.
Why Do Landlords Ask for a Guarantor?
A landlord may require a guarantor if they believe there is a higher financial risk associated with the tenancy. This is often the case where an applicant:
Has no UK credit history
Has no UK rental history
Has recently relocated to the UK
Is a student
Is self-employed with limited trading history
Has variable income
Is renting for the first time
Does not meet the landlord's affordability criteria
A guarantor agrees to cover certain financial obligations if the tenant fails to meet them, giving the landlord additional confidence.
Can a Landlord Refuse an Application Without a Guarantor?
Yes. In most cases, landlords are free to decide their referencing criteria and may choose not to proceed with an application if a guarantor is required and one cannot be provided. However, many landlords are willing to consider alternative evidence of affordability or different forms of security.
Alternatives to a Personal Guarantor
If you do not have a family member or friend who can act as a guarantor, consider the following options.
Professional Guarantor Service
Many landlords accept professional rent guarantor companies.
These services assess your financial circumstances and, if approved, guarantee your tenancy for a fee.
Professional guarantor services are commonly used by:
International professionals
Overseas tenants
University students
Graduates
Skilled Worker visa holders
First-time renters
Always check that the landlord or letting agent accepts the provider you intend to use.
Demonstrate Financial Stability
Providing strong financial evidence may persuade a landlord to reconsider.
The stronger your financial profile, the more confidence a landlord may have in your application.
Employer Support
If you are relocating for work, your employer may be able to provide:
A letter confirming permanent employment
Salary verification
Relocation package details
Housing allowance information
A corporate tenancy arrangement
Employer-backed applications can offer landlords additional reassurance.
Overseas Landlord References
If you have rented outside the UK, ask your previous landlord to provide a reference confirming:
Rent was paid on time
The property was well maintained
The tenancy ended satisfactorily
Although not a UK reference, it can still strengthen your application.
Consider Build-to-Rent Developments
Some professionally managed build-to-rent developments have more flexible referencing policies than individual landlords and may be more familiar with applicants who are:
Relocating from overseas
New to the UK
Without UK credit history
Without UK rental history
Requirements vary, but these developments may offer greater flexibility than the traditional private rental market.
Prepare a Strong Rental Application
A well-prepared application can improve your chances of success.
Include:
Passport or photo ID
Right to Rent documentation (where applicable)
Employment contract
Payslips
Bank statements
Proof of savings
Employer references
Previous landlord references
Evidence of any relocation package
Being organised and transparent demonstrates reliability.
Discuss Your Situation Early
If you know you cannot provide a guarantor, explain your circumstances before submitting an application.
You could ask:
Would you accept a professional guarantor?
Are overseas landlord references acceptable?
Would employer confirmation satisfy your requirements?
Do you have flexibility in your referencing criteria?
Having this conversation early can save time and may identify alternative solutions.
Fraser Bond's Residential Lettings Services
Fraser Bond provides specialist residential lettings and relocation services across London and the UK, including:
Residential Property Lettings
International Tenant Support
Tenant Referencing
Corporate Relocation
Property Management
Luxury Residential Lettings
Corporate Lets
Build-to-Rent Consultancy
Investment Property Advice
Landlord Services
Our experienced consultants help tenants prepare stronger rental applications, identify landlords with suitable referencing criteria, and secure quality accommodation throughout London and the UK.
If you are interested in opportunities in property management, residential lettings, estate agency, customer service, administration, marketing, technology, finance, or business development, Fraser Bond welcomes applications. Please send your CV to jobs@fraserbond.com.
Why Choose Fraser Bond?
Fraser Bond is a trusted UK property consultancy supporting tenants, landlords, investors, and developers across London and the UK. Whether you are relocating from overseas, renting your first home, or struggling to find a guarantor, our experienced team provides practical advice and tailored support to help you secure the right property.
Contact Fraser Bond today to explore rental properties, discuss alternatives to a guarantor, and receive expert support with renting across London and the UK.
