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Higher education

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Landlord asking for our bank statements as guarantor for uni house share

65 replies

Rattytouille · 24/07/2025 16:06

My DH has agreed to be guarantor for my DS’s house share of 4 for year 2 at a London uni.

DH has a very well paid job, and has provided letters from work and evidence of his salary and paid my DS’s deposit for his share of the house.

Now the LL/ estate agent is saying they want to see my DH’s (our) bank statements. DH isn’t happy and says it’s an intrusion of his privacy.

Is it normal to ask to see guarantors bank statements?

OP posts:
PollyBell · 30/07/2025 09:14

Rattytouille · 25/07/2025 18:01

As said down thread, my DH has provided info/ a letter from his company already and proof of his earnings which are actually quite high so they shouldn’t need more TBH.

Well i dont think the rules/law work that way

Needmoresleep · 30/07/2025 10:00

RampantIvy · 30/07/2025 09:13

I have been guarantor several times for (student) DD and this kind of request isn't unusual at all.

I despair at all the "kick them out" posts I see on MN because these posters have no idea how difficult the rental market is right now.

DD is currently in halls (post grad degree) and is struggling to find another rental for when her tenancy ends next month. They go so quickly.

It's grim.

As a Landlord I am on the other side, and have just let a three bedroom Victorian house to 3 recent graduate sharers.

Rules and regulations have tightened up so much that it is difficult to keep track.

Not just the standard EPC, EiCR, and Gas safe. But the government has essentially foisted residency and money laundering checks on landlords and are about to introduce new tenancy legislation which, though designed to help give stability to tenants, increases risk and reduces flexibility for tenants.

The Local Authority has jumped on the bandwagen and suddenly introduced some sort of additional/selective HMO licensing, charging me about £1,500 simply to check I have the certificates I am supposed to have as well as a copy of my landlord insurance. The insurers for their part increase their annual quote by £2,000 because the property is now an HMO, whilst the letting agent also decided to get in the act by charging me a £150+VAT HMO fee. The certificates could be checked electronically and there is lots of existing legislation to cope with landlords letting poor quality accommodation. It is hard to see it as anything other than a means of raising extra revenue.

In the end tenants will pay. In the past I have been willing to let to two singles and a couple to help keep individual rents down, but can't till I know what I am licensed for. Licensing requires I have insurance, insurance requires tenants to pass affordability checks. I used OpenRent for the first time as the £150 HMO fee demanded by the agent (Foxtons) was a step too far. I normally try to keep rents moderate to allow for a better tenant choice but also wanted to avoid attracting too many applicants. Embarrassingly the market rent was 50% higher than I was getting two years ago. Even so for first viewing I had six groups including: actuaries, investment bankers, accountants, lawyers, land agents, solicitors and more. No need to look at people who needed guarantors or those on lower incomes. In particular I felt sorry for those from overseas who were offering six months in advance, something that is likely to be banned under the new legislation. I also felt sorry for the group of post F2 doctors, who were on one year temporary contracts. (DD is at the same stage, and facing unemployment in a week's time, so understood the naivety of grabbing any job without checking if they could afford to live in London and failing to understand they needed to be quick.)

It gets worse. By 2028/30 legislation requires me to bring the house up EPC C from EPC D. This will require major works and major investment. It can't be done with tenants in place. Builders are in very short supply in Central London (because they cannot afford to live there). Even if I could find people to do it, it would be difficult to raise the money, so I will have to sell. So despite huge demand and rapidly rising rents, there will be one less (more than one, as a lot of rental property is Victorian) house available to rent.

I liked Open Rent but it was very structured. Applications, references etc had to be in their format. This ensures that they carry out the checks according to the law, but does not allow for the sort of exception OP is hoping for.

Roseshavethorns · 30/07/2025 11:13

I have been a guarantor many times and the the amount of personal information now required has become ridiculous. They now ask for wage slips, a letter from your employer, 3 months bank statements and proof of id. They also do credit checks.
The last time (April) I sent an email to the letting agent stating that I was mortgage free and had an perfect credit score (all of which can be checked). I also sent 3 months of bank statements showing deposits only.
They accepted that without a question.
There was no way on this earth that I would agree to provide letters from employers/ wage slips or full bank statements.
I'm not sure what I would have done had they not accepted this to be honest.

Needmoresleep · 30/07/2025 11:38

sorry typo "...reduces flexibility for landlords."

tweetngreet · 30/07/2025 13:12

My student son & friends found a London flat through Dexters and were told there were multiple groups interested, so they had to provide the guarantor details asap upfront before they could even be considered. This included ID, and bank statements for tenants and guarantors (which I made sure were appropriately redacted to only show income). Having provided all this, Dexters then advised them to consider offering more rent to outbid other groups. They declined and so lost the flat. This means that Dexters gathered personal information from more groups than necessary (probably a breach of GDPR). I have no idea whether the personal information was subsequently deleted. It's not easy to find out because one of DS's friends was acting as lead tenant and the agent's single point of contact rather than my son.

I disliked Dexters before, and now have more reason to dislike them.

CalamityGanon · 30/07/2025 13:22

anniegun · 24/07/2025 16:13

Just be aware you are on the hook for everybodies rent and damage liability, not just your DC's share

Not necessarily. You need to read the contract properly though.

topcat2014 · 02/08/2025 11:59

DD starts in Sep, so first year will be halls, but of course they have to look for second year very soon.

I really don't want to be on the hook for anyone else's rent - is there a way to avoid this?

Hoppinggreen · 02/08/2025 12:02

We didn't have to provide anything to be guarantors for DD's Uni house, just ID.
In fact The Agent has messed up so I am pretty sure we couldn't actually be liable but I am not telling them (I work in this area)

BrickBiscuit · 02/08/2025 12:06

topcat2014 · 02/08/2025 11:59

DD starts in Sep, so first year will be halls, but of course they have to look for second year very soon.

I really don't want to be on the hook for anyone else's rent - is there a way to avoid this?

Guarantor Insurance or a Rent Guarantor Company might be two commercial solutions to your predicament. Both have a cost, but mitigate the risk of possibly unlimited costs covering default by people you don’t even know.

tweetngreet · 02/08/2025 14:40

BrickBiscuit · 02/08/2025 12:06

Guarantor Insurance or a Rent Guarantor Company might be two commercial solutions to your predicament. Both have a cost, but mitigate the risk of possibly unlimited costs covering default by people you don’t even know.

This insurance does not cover "unlimited costs". Read the T&C's carefully.

The one I looked at (Guarantor Insure) was actually just an arbitration service which helped to recover funds in a dispute if they judge you have more than a 50% chance of winning a legal case. The Legal Cover add-on on our home insurance policy provides better cover for less cost.

BrickBiscuit · 02/08/2025 15:48

tweetngreet · 02/08/2025 14:40

This insurance does not cover "unlimited costs". Read the T&C's carefully.

The one I looked at (Guarantor Insure) was actually just an arbitration service which helped to recover funds in a dispute if they judge you have more than a 50% chance of winning a legal case. The Legal Cover add-on on our home insurance policy provides better cover for less cost.

Edited

Look up ‘mitigate’.

tweetngreet · 02/08/2025 16:00

BrickBiscuit · 02/08/2025 15:48

Look up ‘mitigate’.

Look up "mis-selling" and "stealth marketing". These insurances are talked up on every thread that mentions the word "guarantor", and have been for years, yet whenever anyone asks about people's experiences of claiming via them it goes suspiciously quiet.

Elektra1 · 02/08/2025 16:10

RainSoakedNights · 24/07/2025 16:24

It’s not. It’s AML.

The regulations have tightened massively in the last 12 months or so. You now need to do AML and all sorts of checks on pretty much anyone you engage as a client, even if it’s as a guarantor. They need to be sure they’re not putting themselves in the position of accepting laundered money.

I’ve guaranteed DD’s rent for next year in the past 6months and I was only asked for proof of income, for which a letter from HR sufficed. LL does not need to see bank statements to be assured that someone who is employed and can show their income, can pay under the guarantee from income if need be.

FinallyMovingHouse · 02/08/2025 16:10

Normal I'm afraid. Have done it 4 times in the last 2 years and they've either asked for bank statements or payslips or both.

BrickBiscuit · 02/08/2025 18:14

tweetngreet · 02/08/2025 16:00

Look up "mis-selling" and "stealth marketing". These insurances are talked up on every thread that mentions the word "guarantor", and have been for years, yet whenever anyone asks about people's experiences of claiming via them it goes suspiciously quiet.

Edited

Well, they’re all you’ve got, so good luck.

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