Much of this depends on you. You can get approval in principle immediately, but we need all of your documents to progress. Once we have everything we need from you, we get in touch with your accommodation provider. So we are also reliant on their response time. Typically, with everything we need in place, it can be just a few days.
Whether you are studying or working full-time in the UK (including self-employed), you can apply for the Housing Hand Guarantor Service (with certified proof of study or income).
The easiest way to see if you are eligible is to use our quick and free application form. This will give you an answer and a quote within minutes.
We only offer 6 or 12-month contracts for our payments at this time. This means that if your contract is 10 months long, you would still have to pay Housing Hand 12 payments. If your tenancy agreement is 6 months or less, you can split your payments over 6 months.
98% of our applicants are accepted. Working professionals need to show their take home salary is 1.5x their contribution to the rent, and students need to show proof of study. We may ask for some additional details on top of this, as well as a co-signer. If you have any concerns, please get in touch.
Our role is to cover the rent you have agreed with your accommodation provider. If you were to miss a payment, the accommodation provider would contact us in order to make the payment. Once this payment has been made, we will contact you to let you know we have made the payment and to organise an interest-free payment plan to repay us for the rent we have covered.
In student houses or shared properties, if required, each tenant will have their own guarantor. However, you can use Housing Hand as your guarantor, and your housemates can still have their own guarantor/payment arrangement with the accommodation provider.
When you use Housing Hand as your rent guarantor, we’ll need a co-signer to sign up with you. This can be a parent, family member or friend. As long as they’re working and over the age of 18, they’ll usually be suitable.
We won’t need to credit check them or you, it’s just someone else who will take responsibility for you meeting your obligations outlined in your tenancy agreement as well as a point of contact if we can’t get hold of you.
Yes, absolutely! Once your bank account is set up, you can change your payment method.
As payments are spread over 12 months, if you move out early, you will need to pay the balance of your fee in full. Speak to the Housing Hand team and your landlord if you need to end the tenancy early, and if agreed with the landlord, Housing Hand can calculate a pro-rata fee less admin costs.
Every applicant will need to pay a £20 onboarding fee to us, once they have created an account and started, for us to start to process their application. This fee is non-refundable and is used to carry out ID Verification checks on each applicant and their co-signer.
At the same time that this fee is paid, you can either choose to set up a monthly subscription, starting on your chosen tenancy start date, or you can choose to save money and pay us upfront.
If you choose monthly, this will be set up as either 6 monthly payments or 12 monthly payments. This means that if your contract is 10 months long, you would still have subscribed to pay housing hand 12 payments.
Payments can be spread over 6 months for tenancies of 6 months or below and spread over 12 months for tenancies above 6 months and up to 12 months. The guarantor fee cost is discounted If you choose to pay the whole fee upfront. Get a quote here.
We only have 6 month and 12 month payment lengths, but you can pay the balance of your fee at any time.
Here are the payment options available for our guarantor service fees:
Payment is taken via Stripe where options include, Google Pay, Apple Pay, Revolut, Link and Alipay.
Note: Prices are indicative and may vary depending on various factors. For accurate and up-to-date pricing, please create an account here.
Many landlords request guarantors who are based in the UK. When you become a co signer:
Many landlords request guarantors who are based in the UK. When you become a co signer:
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