A rent guarantor that has your back
Homeppl Guarantid helps tenants avoid costly upfront rent payments by becoming your legal guarantor.
Get a guarantor in one day.
A fair rental guarantor designed for tenants
We take the pain out of moving by acting as your professional guarantor for as little as 3 weeks rent.
Apply for a guarantor online
Fill in our quick form to find out if you’re qualified to use us. We instantly pre-approve most people who apply, and if you have a question, our team will respond to you immediately.
Choose from a variety of payment options. We offer flexible payment models - either a low one-time payment, or even lower monthly payments.
We’ll let your landlord or agency know that we guarantee your rent, and you’re all set to move in!
What are Guarantors and why do you need one?
Landlords and letting agents may ask you for a guarantor. This means they need someone to guarantee your rent payments if you cannot pay rent.
So, a guarantor is someone that is responsible for meeting your rent and will pay out if you can't. But, it's hard to find a guarantor. A guarantor often needs to earn £84,000 per annum for every £2,000 of monthly rent, be based in the UK, and even own a UK property. That is why Homeppl Guarantid exists. We help students, employed tenants, internationals, renters on benefits & others secure the rental properties they want.
Read more about guarantors
Do you need a guarantor to rent? Check out the 5 main reasons and scenarios in which people use guarantors...
What is a guarantor? Who can be one? Why do rent guarantor companies exist? Why are they such a fantastic option for tenants & landlords?
The rental market moves quickly in the UK and you may need to secure a guarantor ASAP! Figure out how below...
Is this your first time moving? Stuck on what to do? Make sure you don't miss anything by reading our handy collection of tips...
Get a guarantor & make a house your home!
We believe all renters are equal, so we don’t rely on unfair, out-dated systems like credit scoring to assess people. Instead, we use the latest tech that can correctly identify if you’ll be a good tenant - whoever you are and wherever you’re from.
We know you may have many questions for us!
If you do not see your question here, try our FAQs where we have some more information for you. Otherwise, you can reach out to our customer support team here or call us on 0208 0897709.
An Agency or Landlord refuses to work with us
The applicant loses their property before our referencing has begun.
On average around 3 business days,
If you are employed/self-employed, your annual income needs to be 22x your monthly share of the rent.
Self-employment needs to be in place for 6 months, we'll require an SA 100 or 6 months of full bank statements in PDF.
You cannot be unemployed.
Your only source of income cannot be benefits. You can be in receipt of benefits, however, they cannot be over 20% of your overall income.
If you are a student you need to have a friend or family member that will act as your co-signer.
You cannot have an active CCJ.
Zero-hour work contracts need to be in place for 6 months.
We will always request your Right to Rent document: this can be either your passport or visa if applicable. We will also need your proof of address: this can be a bank statement/payslip/official letter dated within the last 3 months under your name.
If you’re a student, we will need your proof of study and co-signer contact details. Your co-signer will need to provide ID and proof of income.
If you’re employed/self-employed we will require proof of income which can be via bank statements, payslips or your last SA302.
We'll be your guarantor for the duration of your tenancy agreement. If you're unable to pay your rent at any time, we'll send the landlord 100% of what you owe.
After that, we will work with you towards a repayment plan that fits your situation with no credit agencies and no interest fees applied.
We cover missed rental payments, but not damage to property as part of the guarantee.
A Guarantor is a person who is legally responsible if you default on your rent or damage the property.
A rent guarantor service that means you do not have to pay 6 to 12 months rent in advance. Subject to a validation check, we can help you pay rent monthly and be your UK Guarantor!
We can help you if you are
(a) a Student, undergraduate or postgraduate;
(b) New to Country / without credit history, with sufficient financial resources;
(c) employed, earning at least 22x the monthly rent
We work hard to offer the lowest possible fees. To act as your UK Guarantor, we charge 5.8% of the annual rent, i.e. a fee equivalent to one month share of rent. So, if your annual rent is £6,000, we would charge £348. We allow up to two instalments.
A Co-Signer is someone you know who will co-sign the agreement between us. We would need to validate your Co-Signer and test their credit card details before approving them. They do not have to reside in the UK.
You will typically need a co-signer if you are a student.
Your Co-Signer will need to provide us with a copy of a valid Passport, proof of address dated within the last three months, and valid credit card details.
Because we're the cheapest guarantor company on the market in the UK... by about 50%.
Also, over 85% of letting agents accepts Homeppl Guarantid as a guarantor.
What's more, we're customer-centric, experienced and have a great team on hand to help you through your journey of securing a rental property in the UK.
Our advice to anyone trying to rent with a CCJ (County Court Judgement) is to declare the CCJ upfront during our referencing our guarantor application process.
You may have a CCJ against your name and not know it. You can always check whether you have a CCJ or a bad credit score by using credit-checking tools set up by Experian or Clearscore.
Homeppl Guarantid will act as your legal rent guarantor if your CCJ was satisfied under a year ago up to the value of £500. Similarly, we'll accept tenants with a satisfied CCJ over a year ago up to the value of £2,000.
A £60 admin fee is charged when an application is cancelled after we begin our referencing. This will be deducted from the amount paid.
A full refund can only be issued under the following circumstances
We require to speak with each applicant about their refund before it can be processed to verify identity and confirm refund reasons.