Updated October 2026
In short: if you want a flat without a credit check, your best chance is with individual owners, people who own one or two flats and let them directly or through a small agent, rather than large build-to-rent blocks and corporate landlords, which almost always run automated referencing. Owners of single flats can decide for themselves how to assess you, and many will accept a guarantor, strong references or proof of income instead of a credit score.
For the general rules on renting without a credit check, see our guide to renting directly from owners without a credit check. This page focuses on what's different about flats.
Corporate blocks vs privately owned flats
- Build-to-rent and corporate landlords usually require full referencing and a credit check, often with fixed income thresholds such as 30 times the monthly rent. There's little room for discretion.
- Privately owned flats in purpose-built blocks, conversions and ex-council buildings are let by individual landlords, who can weigh up your whole situation.
Things that matter in a flat let
- Leasehold rules: the owner may need the freeholder's consent to let, and the lease may limit occupants, pets or subletting. Ask the landlord to confirm they're allowed to let.
- Service charges: usually paid by the owner, not you. Check nothing is being passed on in your rent unexpectedly.
- Building safety: in taller blocks, ask about fire safety arrangements and any ongoing remediation works.
- Council tax band and energy efficiency (EPC), which affect your monthly costs.
Making your application convincing
- Explain your situation briefly and honestly in your first message
- Offer proof of income and a reference from a previous landlord
- Offer a guarantor or guarantor service if you have one
- If you receive Universal Credit, offer direct payment of the housing element
- Be ready to move quickly once the owner says yes
Your protections
Since 1 May 2026, landlords in England can't ask for more than one month's rent in advance or refuse you because you receive benefits. Deposits are capped at five weeks' rent and must be protected. Right-to-rent checks still apply to every adult tenant.
How Fraser Bond helps
We let privately owned flats across London on behalf of owners who look at the whole picture, not just a credit score. Tell us your budget and preferred areas and we'll match you with suitable flats.
