The rules on rent paid upfront have changed in England. Under the Renters' Rights Act, which came into force from 1 May 2026, landlords are no longer able to require or accept large upfront rent payments, such as six or twelve months' rent in advance, for new tenancies covered by the legislation. These reforms are designed to make renting fairer for tenants who may previously have been excluded because they could not afford substantial upfront payments.
What Has Changed?
The new rules introduced under the Renters' Rights Act mean that, for qualifying tenancies in England:
Landlords cannot require more than one month's rent in advance.
Landlords cannot accept more than one month's rent in advance, even if a tenant offers to pay more voluntarily.
The first month's rent can only be requested after the tenancy agreement has been signed and become legally binding.
These changes apply to new assured periodic tenancies covered by the Act from 1 May 2026.
Why Were the Rules Changed?
Previously, some landlords requested six or even twelve months' rent upfront from applicants who:
Had no UK credit history
Were international tenants
Were students
Were self-employed
Had no UK rental history
Did not meet affordability requirements
The Government introduced the reforms to reduce financial barriers for renters and make access to housing fairer.
What Can Landlords Do Instead?
Although landlords can no longer rely on large upfront rent payments for new tenancies covered by the Act, they can still assess applicants through other lawful methods, including:
Tenant referencing
Employment verification
Income and affordability checks
Credit checks
Previous landlord references
Professional or personal guarantors
Rent guarantee insurance for landlords
What Does This Mean for Tenants?
The changes are particularly beneficial for:
International professionals
Overseas tenants
First-time renters
Graduates
Students
Self-employed applicants
People relocating to the UK
Instead of finding a large lump sum to secure a tenancy, applicants are more likely to need strong supporting evidence of affordability and, in some cases, a guarantor.
Are Holding Deposits Still Allowed?
Yes. The rules on holding deposits have not been replaced by the new rent-in-advance restrictions.
A landlord or letting agent may still request a holding deposit in accordance with the Tenant Fees Act, while the first month's rent remains subject to the new limits under the Renters' Rights Act.
What If a Landlord Asks for Six or Twelve Months' Rent?
For tenancies covered by the new rules, a landlord should not require or accept more than one month's rent in advance. If they do, they may be in breach of the legislation and could face enforcement action, including repayment of the prohibited amount and financial penalties.
How Can Fraser Bond Help?
Fraser Bond supports tenants and landlords across London and the UK with:
Residential Property Lettings
International Tenant Relocation
Tenant Referencing
Professional Guarantor Guidance
Corporate Lets
Property Management
Landlord Services
Build-to-Rent Consultancy
Investment Property Advice
Relocation Support
Our experienced consultants help tenants prepare strong rental applications while assisting landlords in complying with the latest rental legislation.
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 navigating the new rent upfront rules, relocating from overseas, or looking for expert letting advice, our experienced team provides practical guidance tailored to the latest legislation.
Contact Fraser Bond today to learn more about the new rent upfront rules, explore available rental properties, and receive expert support with renting across London and the UK.
