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Higher education

Talk to other parents whose children are preparing for university on our Higher Education forum.

Guarantors for student’s tenancy

20 replies

TheWatersofMarch · 24/03/2025 16:07

My daughter and two friends are planning to rent a house together in their second year at Uni in London. They are due to view a house, the Estate Agent has asked if one parent will guarantee the whole rent of £40,560 for the year and my daughter has asked me to. Absolutely not -I can guarantee my daughter’s share but I can’t underwrite anyone else’s. Do EAs do credit checks on Guarantors - my daughter says she thinks one of her friends doesn’t have a financially solvent parent. Thanks

OP posts:
Mancala · 24/03/2025 16:11

There was a long thread on this very recently. It was split between people saying "absolutely not" and others saying "I don't like it but you have to do it". I think a few had success arranging to guarantee just their child's portion of the rent, but that was the minority. The whole system is awful ☹️

nicky2512 · 24/03/2025 16:14

I don’t know how to link, sorry. The other thread was called “Horrified at how many parents guarantee rental agreements without reading” and I found it very helpful.

minnienono · 24/03/2025 16:14

We guaranteed just my DD’s share for dd1, for dd2 she didn’t need a guarantor because she was a sponsored student and military sponsored her

ohyesohyesoh · 24/03/2025 16:16

We have only ever been guarantor for our own child and no one else’s.

GU24Mum · 24/03/2025 16:16

The absolute worst should you consider is guarantor alongside the other parents. If it’s just you then if the guarantee is called on, it’s only you AND the other students have no element of consideration for their own family when contemplating skipping out of their responsibilities.

Comefromaway · 24/03/2025 16:21

Yes, they can check. My daughter rented as a student in London and I had to provide payslips, bank statements and they phoned my employer. I owuld say virtually all London estate agents do check.

Also most contracts are joint and several which means that even if every tenant has their own guarantor if one defaults the landlord can pursue anyone. I took out insurance to help mitigate this (but the insurance only covered £10,000 arrears).

KnickerFolder · 24/03/2025 16:47

Yes, they do credit checks on guarantors so if one student has parents who are insolvent they probably won’t accept them as guarantors. The only way round it is for them to pay their share of the rent up front or pay for guarantor insurance (where they buy a policy from a company to act as their guarantor). Guarantor insurance can be expensive.

I would also check any contract carefully, even if it says you are only liable for your DD’s share of the rent. Often they are worded so you are liable for up to £X (the equivalent of your DD’s rent share). However, if there is a joint and several liability contract (they usually are unless it is an HMO and each room is let separately), they can pursue all tenants and their guarantors, regardless of who hasn’t paid because the contract means they are all liable for the full amount of the rent, not just their share ie they can pursue you for the £X you have guaranteed even if your DD has paid her share of the rent and it is another tenant who hasn’t paid.

Iloveeverycat · 24/03/2025 16:50

Don't do it. Every student must have a separate guarantor for each of them. There is no way I would do that.

Longhotsummers · 24/03/2025 16:54

Be aware that if one of your DC’s flatmates pays the year up front, it is likely the lease will say that all other guarantors are default guarantor for that person too. Leaves you wide open to risk.

Longhotsummers · 24/03/2025 16:56

Forgot to say, I believe this is another university related racket that is not regulated properly.

AlwaysFreezing · 24/03/2025 17:04

You can get insurance for this. That's what I'd do.

I'm a guarantor for just my son, but had I have been asked to guarantee all of the rent I'd have taken out the insurance.

MojoJojo71 · 24/03/2025 17:27

Most of the time even if they all have individual guarantors the contract is set up so that they can come after any one of the guarantors for the whole rent. For this reason I took out a loan for the whole years of DS’s rent and DS made the monthly payments, it meant it cost a little bit more but that way they accepted him without a guarantor.

Needmoresleep · 24/03/2025 17:46

It will get worse. The new rental reform bill is likely to ban payments up front,. which will make it very difficult for overseas students and those who wanted to avoid providing guarantors.

Additionally the Government has ignored pleas to allow fixed term tenancies for student lets. If a group of students are in a property and one or more decide to stay beyond the length of the fixed term, they will be able to. Whether the landlord has signed an agreement for next year or not.

In addition Shelter and others are lobbying Angela Raynor to do away with guarantors for those with incomes (and I assume student loans will be counted) leaving even more risk with landlords. The argument is that landlords can offset that risk byu using insurance.

A lot of landlords are selling up. A reduction in the number of rental properties will give remaining landlords more scope to select, which means reducing risk by being very careful. Students are less attractive than young professionals.

My assumption is that the long term aim is to "professionalise" the sector. For students I think that means expanding private hall provision. I think the Government should look carefully at both the German and US private rental sectors. Property owned by large investors may not be the model they really want. I recognise that many on MN don't like the concept of private landlords ( @Auchencar had a major pop at me a few weeks back) but actually at various stages in life people may want to rent, and private landlords provide accommodation cost-effectively. Equally tedious are 24 year olds who don't seem to understand that contracts may define a working relationship, but actually such relationships work best if you try and work together. Some tenants seem very aware of their rights but seem ignorant of their responsibilities, and see themselves as having the moral high ground over landlords, regardless of how they treat the property.

However in answer to the OPs question. Yes many landlords try to reduce risk by having joint and several contracts as well as guarantors. The guarantor is then potentially responsible for the entire rent, and if there is a need to chance the guarantor they are likely to go after the low lying fruit, ie the guarantor most likely to be able to pay. I would be tempted to either look into various guarantor schemes where, for a fee, a private firm provides the guarantor. OPr to negotiate. Pay rent in advance for your DC before the new act comes into force and in exchange not be required to be a guarantor. I would also drum into your DC that a contract is a legal agreement and that one of the first steps in adulthood is to respect this. Your really do not want to start adult life with a County Court Judgement against you as this will affect future rental and, quite possibly, employment prospects. I would also suggest to your DC that they collect contacts for other parents in case of emergency (and needed for that as well - say if one ended up in deep and worrying depression they would want to be able to alert parents) but emergency could also be one getting behind with rent.

TantrumsAndBalloons · 24/03/2025 17:47

You can have an agreement just for your own child, and you will be referenced on just that share, however it is almost always written into the contract that it is joint and several liability meaning if one person defaults you can be responsible for their rent share
They will go to that persons guarantor first but reserve the right to come after anyone who has signed an agreement regardless of whether you have just signed and been referenced for one persons share
I think you will also be hard pushed to find an EA that doesnt want passed references for a guarantor- so ID checks, credit history (no adverse credit at all even if paid) an income check to see if your income covers 3x the rent for the tenancy term

Daisymay2 · 24/03/2025 18:00

@Needmoresleep is so right about getting contact details of other parents. Please do it. One of my DC had a house mate who made 2 suicide attempts, one which resulted in hospital admission. She refused to allow the hospital to contact her parents, and had actually given my DC and one other in the house as her next of kin. Trying to sort it out was very difficult and my DC and others in the house ended up needing counselling .( I know MN don’t think parents should interfere with their student DC but myself and another mother, whose phone number I had, did step in to help our DC because of the NOK issue)

mumsneedwine · 24/03/2025 18:21

If you pay the annual rent upfront no guarantor is needed. Might be an option if have some spare cash ?

Needmoresleep · 24/03/2025 18:24

Daisymay2 · 24/03/2025 18:00

@Needmoresleep is so right about getting contact details of other parents. Please do it. One of my DC had a house mate who made 2 suicide attempts, one which resulted in hospital admission. She refused to allow the hospital to contact her parents, and had actually given my DC and one other in the house as her next of kin. Trying to sort it out was very difficult and my DC and others in the house ended up needing counselling .( I know MN don’t think parents should interfere with their student DC but myself and another mother, whose phone number I had, did step in to help our DC because of the NOK issue)

Yes. Happened to someone I know. Her DC happened to come from the same village as a flatmate of an acquaintance. This flatmate had become almost catatonic, stopped eating and barely left his room.

In desperation the acquaintance contacted my friend's DC and my friend was able to locate the parents and pass on the concerns. The parents were able to act...well..before it was too late.

Daisymay2 · 24/03/2025 18:41

i think that the Universities do need to contact parents where there are health concerns or serious concerns about attendance. I know they are legally adult but brains are still developing until about 25 I understand.

TheWatersofMarch · 25/03/2025 18:43

Thank you all, I’ll look at the other thread as well. This is a minefield I hadn’t anticipated. As I’m on an income only a bit above average I doubt I’d be seen as an acceptable risk to guarantee total rent. I can pay my DDs annual rent upfront. If the other 2 parents would stand as guarantors I’d be happy to take out insurance against being pursued by the third. I’m appalled by this situation. One of the other potential housemates was on WP scheme and I know her single parent is in a very precarious financial position - her London max student loan would only just cover the rent.

OP posts:
StatesMom1 · 02/01/2026 11:53

I would highly recommend The Student Guarantor (thestudentguarantor.com) - we are from the States and my daughter is studying in London at BIMM music college.

They were very friendly and gave us an instant decision with little fuss. It was also much cheaper than the other providers we found online.

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