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When is a guarantor required?

We may request a guarantor if your household does not meet our affordability threshold or another referencing check means additional financial reassurance is needed.

Our standard requirement for applicants is combined annual household income of at least 2.5 times the annual rent, so the rent accounts for no more than 40% of income. A guarantor is not automatically required simply because you are a student, retired, self-employed or renting for the first time.

Our guarantor requirements

  • The guarantor must live in the UK & have a UK bank account.
  • Their documented annual income should be at least 2.5 times the annual rent.
  • We can consider accessible savings instead of sufficient regular income on a case-by-case basis, including for retired guarantors.
  • They must complete the relevant checks & agree to the written guarantee.

A guarantor is not automatically accepted because they meet one criterion. We will review their suitability & confirm whether a guarantee will allow your application to proceed.