Government Warns Blanket Guarantor Demands May Restrict Tenants

The UK government has recognised that blanket requirements for guarantors could act as a barrier to renting for some tenants in the private rented sector. Housing Minister Matthew Pennycook responded to a written parliamentary question by Liberal Democrat MP Mike Martin, highlighting the need for landlords and letting agents to consider tenants’ individual circumstances rather than applying a one-size-fits-all approach.

Guarantor Use in the Private Rented Sector

According to the English Private Landlord Survey 2024, nearly a quarter (21%) of landlords request a guarantor from prospective tenants. This requirement is often used when landlords or agents are not satisfied with the outcome of pre-tenancy checks.

Mr Pennycook explained: “Where a landlord or agent is not satisfied by the outcome of pre-tenancy checks, they may ask a prospective tenant to provide a guarantor. If this is not possible, then a tenant may choose to use a professional guarantor service as an alternative. Local authorities may offer guarantee schemes to help people on low incomes or at risk of homelessness.”

Individual Circumstances Should Guide Guarantor Requests

The government’s position is that landlords and agents should not impose blanket guarantor requirements but instead assess each tenant’s situation individually. Mr Pennycook stated: “The government recognises that blanket requirements for a guarantor could act as a barrier to renting for some tenants and expects landlords and agents to consider tenants’ individual circumstances when negotiating rental conditions.”

This approach aligns with previous government statements that there is no “one-size-fits-all approach for landlords” when determining tenancy suitability. It also reflects a commitment to monitor the use of guarantors as part of wider evaluations of reforms affecting the private rented sector.

Alternatives to Guarantors and Affordability Proof

For tenants unable to provide a guarantor, alternatives include professional guarantor services or local authority guarantee schemes aimed at supporting those on low incomes or at risk of homelessness. The government has also confirmed that rental payment history will not be used as mandatory proof of affordability for tenancy agreements, emphasising flexibility in assessing tenant suitability.

What This Means for Landlords and Agents

Landlords and letting agents should carefully consider whether a guarantor is genuinely necessary for each prospective tenant rather than applying a blanket policy. This ensures compliance with government expectations and supports access to housing for tenants who can afford rent but lack a guarantor. Awareness of alternative options, such as professional guarantor services and local authority schemes, can help landlords manage risk while broadening access.

Conclusion

The government’s stance signals a move towards more nuanced tenant assessments in the private rented sector, discouraging blanket guarantor demands that may exclude otherwise suitable tenants. Landlords and agents are encouraged to adopt flexible approaches and remain informed about support schemes and services that can facilitate successful tenancies.

Suggested internal link anchors

• private rented sector
• guarantor requirements
• tenant affordability
• letting agents guidance
• professional guarantor services
• local authority guarantee schemes
• pre-tenancy checks
• rental payment history
• tenant suitability
• housing reforms

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