No, RentGuarantor is a professional guarantor service designed exclusively for residential rental properties across the UK. We do not provide guarantor agreements for commercial tenancies or business premises.

In some situations, yes. If a tenant loses their personal guarantor or their situation changes, they may apply for RentGuarantor mid-tenancy. A new agreement would be required, and both the tenant and landlord must agree to the terms.

Yes. RentGuarantor can support joint tenancies. Each tenant may apply for an individual guarantor agreement. Landlords should ensure the agreement reflects the correct obligations for all tenants, particularly where joint and several liability applies.

RentGuarantor is not an insurance provider. Our service offers a contractual guarantor agreement designed to assist in minimising the financial risk of tenant default. Some landlords choose RentGuarantor as an alternative to traditional insurance. You should assess what works best for your situation.

Yes. As part of the process, we will issue a Rent Guarantor agreement for your signature. This agreement outlines the responsibilities of all parties and ensures the guarantor arrangement is formally recognised.

RentGuarantor’s service provides financial protection for landlords, of up to £120,000 or 12 months’ rent, whichever comes first.

While taking a deposit is not legally required, our terms generally require:

• A deposit to be collected, or
• A deposit alternative insurance product to be in place (with prior written approval).

This condition helps ensure that costs not related to rent arrears—such as damages—are also accounted for. If you do not take a deposit, please contact us in advance so we can assess and approve your tenancy arrangement accordingly.

Accepting a professional guarantor service can offer landlords and their letting agents greater security, flexibility, and peace of mind when letting a property, especially when tenants are unable to provide a personal guarantor. The key benefits of using RentGuarantor are:

Financial assurance

Our service helps to assist in minimising the risk of tenant default by guaranteeing rent payments in accordance with the agreement.

No cost to the landlord

The guarantor fee is paid by the tenant. There is no cost to you as the landlord or letting agent.

Support for a wider range of tenants

Enables you to accept applicants who may not meet traditional referencing requirements, including students, benefit recipients, and international renters.

Reduced administrative burden

In the event of arrears, our team liaises with the tenant and manages the process, helping to reduce time and effort on your part.

Legally backed agreement

All guarantor arrangements are documented via a formal contract, signed and shared digitally through Xodo Sign for ease of use.

Landlords can charge tenants for costs permitted under the relevant housing legislation in the country where the property is located—such as the Tenant Fees Act 2019 in England.

This typically includes rent, a refundable tenancy deposit and default fees (e.g. for late payment or lost keys), where applicable.

Once a tenant signs the tenancy agreement, they are legally responsible for the terms outlined in that contract.

Once you confirm you’re happy to accept RentGuarantor as the guarantor for your tenant, you’ll receive a digital agreement via Xodo Sign. This allows you to review and sign the document securely online using your phone, tablet, or computer—no need for printing or scanning.

After the tenant has signed their agreement and paid their fee, we will countersign and finalise all documents. A completed copy will then be automatically sent to you via Xodo Sign for your records.

RentGuarantor agreements cover the initial fixed term of the tenancy. If the tenancy is extended or renewed, a new agreement may be required. Please notify us in advance of any extension so we can advise on continued guarantor coverage.

Tenants remain responsible for the terms of their tenancy agreement, even if their financial situation changes. RentGuarantor will continue to act as guarantor in accordance with the signed contract. We may offer payment support to the tenant where appropriate, and landlords should notify us promptly of any change in circumstances.

Click here to find out more:

Landlord information

You can find more information here:

Landlord information

If you have specific questions about how our service works, you can email info@rentguarantor.com and a member of our team will get in touch.

We're here to help.

• Email us at info@rentguarantor.com
• Call us on 0207 193 4418

Our office hours are Monday to Friday, 9:00 am – 5:00 pm.

Once the tenant completes their application and pays the required fee, we typically issue agreements within 1–2 working days, subject to all necessary information being received.

You’ll receive a digital agreement via Xodo Sign, which can be reviewed and signed securely online. A completed copy is automatically emailed to you once all parties have signed.

We may ask landlords to supply:

• A copy of the tenancy agreement.
• Rent amount and payment schedule.
• Deposit details (or confirmation of a deposit alternative).
• Your contact and property details.

These documents ensure clarity and help us assess and process the guarantor arrangement.

Under the terms of our agreement, landlords are required to manage their tenancies in full compliance with the relevant housing legislation applicable in England, Scotland, Wales, Northern Ireland, or Gibraltar.

If a landlord fails to serve required documents—such as prescribed information or other statutory notices—this would be considered non-compliance. In such cases, RentGuarantor would not provide assistance with legal costs.

Our service is designed to assist in minimising the financial risk of tenant default, but it does not replace the need for landlords to follow professional standards and ensure timely, lawful management of their rental property.

1. Submit the Notification of Arrears form online

2. Provide relevant documentation (e.g. tenancy agreement, rent statement)

3. Our team will review the claim

4. We contact the tenant to assess the situation

5. If approved, payment is issued, and we handle repayment with the tenant

If you need assistance, you can contact the Arrears Team.

Email: arrears@rentguarantor.com

Phone: 020 7193 448 and speak with the Arrears Department

Please ensure all relevant details are provided to help us assess the claim promptly and in line with the terms of the agreement.

Yes. If a tenant is late with rent, landlords should submit a Notification of Arrears form. Once received, we will assess the situation, contact the tenant, and, if the claim is valid under the agreement, make payment and manage repayment discussions with the tenant directly.

Under the terms of our agreement, landlords are required to meet all legal obligations, including holding a valid HMO licence where applicable.

Failure to hold a valid licence may impact the enforceability of rent payments. While withholding rent without legal grounds is an offence, RentGuarantor cannot pay arrears where a landlord has failed to comply with legislative requirements under the relevant Housing Acts of England, Scotland, Wales, Northern Ireland, or Gibraltar.

If such a situation arises, we will engage directly with the tenant to understand their position. However, arrears may not be covered where the property is non-compliant.

Tenants must continue to pay rent even when repair issues arise, unless legally advised otherwise. Withholding rent is a serious matter and we will contact the tenant to discuss the situation professionally.

However, RentGuarantor’s service operates on the basis that landlords manage their property in accordance with legal standards. If repairs have not been completed, this may affect your eligibility to claim.

We recommend that landlords:

• Address repair issues promptly
• Notify RentGuarantor with full details of the dispute
• Cooperate with our team during tenant engagement

Our role is to help minimise the financial risk of tenant default, but this is contingent on the landlord maintaining compliance with property standards and tenancy law.