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Guarantor-Free Rental Directory

Directory of guarantor-replacement services for renters without a UK-based guarantor.

If you don't have a UK-based friend or family member who can act as your rental guarantor, a professional guarantor service can stand in for you — for a fee, they guarantee the rent to your landlord instead. This matters more since the Renters' Rights Act 2025: from 1 May 2026, landlords and agents in England can no longer legally take more than one month's rent upfront, which closes off the old workaround of just paying 6-12 months in advance instead of providing a guarantor.

Housing Hand

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Professional guarantor service aimed at students, working professionals, and international arrivals without a UK-based guarantor. Signs the tenancy agreement directly with your landlord in place of a personal guarantor. Also operates the UK Guarantor brand, which it acquired.

Onboarding fee plus a monthly or annual charge — confirm current pricing on their site before applying.

RentGuarantor

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UK rent guarantor service run by RentGuarantor Limited, aimed at students, working professionals, benefits recipients, and self-employed renters who don't have a UK-based guarantor.

Fee-based — confirm current pricing and whether your landlord/agent accepts this provider before paying.

MyJapaUK doesn't vet or endorse these providers — this is a starting list, not a recommendation. Fees and terms change, so check current pricing directly on each provider's site. Most importantly: get your landlord or letting agent to confirm in writing that they'll accept a specific guarantor provider before you pay any fee — a common and costly mistake is paying a provider (often £1,000+) that the landlord then rejects.