When do you need a guarantor for renting?

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When it comes to renting a property, there are certain situations where a landlord may require a guarantor. A guarantor is someone who agrees to take responsibility for the rent if the tenant is unable to pay. This provides an added layer of security for the landlord and can help tenants who may not meet the financial requirements on their own. In this article, we will explore when you may need a guarantor for renting and what it entails.

Financial Stability

Insufficient Income: One common reason for requiring a guarantor is when a tenant’s income is not sufficient to cover the rent. Landlords want to ensure that tenants can afford the monthly payments, and if their income falls short, a guarantor can step in to provide that assurance.

Poor Credit History: Another factor that may lead to the need for a guarantor is a tenant’s poor credit history. Landlords often run credit checks on potential tenants to assess their financial responsibility. If a tenant has a low credit score or a history of late payments or defaults, the landlord may require a guarantor to mitigate the risk.

Students and First-Time Renters

Students: Many landlords require students to have a guarantor, especially if they have limited or no income. Students often have little credit history and may not have a steady job, making it difficult for them to meet the financial requirements on their own. A guarantor, typically a parent or guardian, can provide the necessary financial backing.

First-Time Renters: Individuals who are renting for the first time may also be asked to provide a guarantor. Without a rental history or credit record, landlords may be hesitant to rent to someone with no track record of responsible tenancy. A guarantor can vouch for the tenant’s reliability and offer financial security.

International Renters

Non-Resident or Non-Citizen: International renters who are non-residents or non-citizens may face additional challenges when trying to secure a rental property. Landlords may require a guarantor to ensure that the rent will be paid in full and on time, especially if the tenant does not have an established credit history or employment in the country.

Limited Credit History: Even if international renters have legal residency or citizenship, they may still have limited credit history in the new country. In such cases, a guarantor can help establish trust with the landlord and provide the necessary financial guarantee.


In summary, a guarantor may be required for renting in several situations. It can be due to insufficient income, poor credit history, being a student or first-time renter, or being an international renter. Landlords use guarantors as a way to minimize financial risk and ensure that the rent will be paid. If you find yourself in one of these situations, be prepared to provide a guarantor to increase your chances of securing a rental property.


– rent.com
– thebalance.com
– apartmentguide.com