Updated October 2026 · Fraser Bond
No guarantor
You don't always need one, especially if your income meets the threshold
30×rent income test
Servicesguarantor companies
Savingscan reassure
1 monthmax rent in advance
In short: Landlords ask for guarantors when an applicant's income doesn't meet the usual affordability test (often around 30 times the monthly rent per year) or their credit history is limited. If you meet the income test, you usually won't need one. If not, consider a guarantor service, a joint tenancy, a cheaper flat or evidence of savings. Paying several months upfront is no longer allowed.
Do I need a guarantor?
Income needed at 30× rent–
Result–
Maximum rent at 30×–
Referencing criteria vary between agents and landlords.
Frequently asked questions
Can I rent without a guarantor?
Yes, if your income and credit meet the landlord's criteria.
What is a guarantor service?
A company that acts as your guarantor for a fee.
Can I offer extra rent upfront?
No, rent in advance is capped at one month since 1 May 2026.
