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All claims are handled directly by flatfair, with settlements paid within 21 business days of possession or tenancy end. (1)

Rent with confidence. We’ve got you covered.

What is flatfair Tenant Guarantor?
flatfair Tenant Guarantor helps tenants secure a home. Whether a tenant is new to the UK, a student, or doesn't meet standard affordability criteria, flatfair steps in as a guarantor — so they can rent with ease, and landlords can let with confidence.

  • International tenants with no UK credit file
  • Students without a UK-based guarantor
  • Professionals with thin or patchy credit history
  • Anyone who narrowly misses affordability checks
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Everything in one place

Keep all your end-of-tenancy solutions under one roof. From deposit alternatives to guarantor protection, flatfair brings it all together — making life simpler for agents, landlords, and tenants.

Works seamlessly with flatfair No Deposit

 

Works seamlessly with
flatfair No Deposit

flatfair Tenant Guarantor complements our No Deposit solution — helping tenants move in faster while still providing up to 10 weeks of protection for damages and dilapidations.

Trusted at end of tenancy

 

Trusted at end of tenancy

Thousands of landlords and agents already trust flatfair to deliver fair outcomes at the end of every tenancy. Our technology and experience ensure the best results for everyone involved.

What is Tenant Guarantor?

moving_in (1)

Landlords are protected for:

1
Up to 12 months unpaid rent, maximum £100k
2
Up to £10,000 in legal costs for eviction due to non-payment
3
All claims are handled directly by flatfair, with settlements paid within 21 business days of possession or tenancy end.
moving_out (1)

How It Works

1
Apply! If you don’t meet standard referencing, your agent can offer flatfair Tenant Guarantor as an option.
2
Pay your one-off fee. You pay a one-off guarantor fee (typically 4–5 weeks’ rent) directly to flatfair before moving in.
3
Move in with confidence. Once approved, flatfair acts as your guarantor for the tenancy term — covering rent payments to your landlord if needed.
4
Stay protected. If arrears ever occur, flatfair handles mediation and recovery, ensuring everything is managed fairly and efficiently.

See what our Landlords have to say...

I have been having considerable issues with receiving the payout of my RLP insurance claim due to the gross incompetence of a well known property management company managing my apartment and who are meant to be dealing with the case. (I would love to name and shame them so they can be avoided but I cannot.) This has resulted in a considerable delay and a lot of stress. Dean at flatfair has been assisting me greatly and has been doing his best to resolve the issue as to what flatfair can do as regards their obligations by liaising with the agent to find a resolution and regularly keeping me up to date. He has also been patiently answering my queries. I can only say that his outstanding professionalism and efforts put the agent to shame. Dean, you are a great credit to flatfair. I cannot thank you enough for your all your efforts and assistance.

John Stephens, Landlord | May 2025

I posted a 5-star review for flatfair on Trustpilot because I found their service very good and clear. I can’t fault the information they sent or their website. I’m surprised I’ve not encountered them before as it seems such a better arrangement than the usual deposit schemes. Many thanks for all your help.

Andrew, Landlord | April 2025

Tenant FAQ's

What exactly is Tenant Guarantor?

Tenant Guarantor replaces the need for a traditional guarantor, covering your rent obligations for up to 3 years or until you leave the property. 

How much does Tenant Guarantor cost?

You pay a one-off fee, typically 4 weeks’ rent depending on your circumstances. Your price is confirmed before you buy. There is no annual renewal fee. 

Do I still need a guarantor?

No. If approved and accepted by your landlord, Tenant Guarantor replaces the need for a personal guarantor. 

What does Tenant Guarantor Service guarantee?

Your share of unpaid rent only. It does not cover utilities, council tax, damage or cleaning. 

Can international students or new-to-UK tenants apply?

Yes. We support students, international renters and people new to the UK, subject to eligibility checks.

Does this affect my credit score?

No. The application does not affect your credit score, though unresolved arrears may impact future credit.

What happens if I fall behind on rent?

We’ll work with you and your landlord to try to resolve the arrears. If flatfair pays your landlord, you’ll need to repay flatfair.

Does this cover joint tenancies?

Yes, but only your share of the rent is covered.

How long does the guarantee last?

Up to 3 years, or until you leave the property, whichever comes first.

What do I need to apply?

It depends on your circumstances, but we may ask for ID, banking, income, visa or student information.

Is this insurance?

No. It’s a guarantor service, not insurance.

Can I cancel?

Yes, within 14 days provided your tenancy hasn’t started and you haven’t moved in.

What is flatfair's No Deposit?

flatfair No Deposit is a deposit alternative which helps tenants reduce their move-in costs. It is a separate product from our Guarantor service, and both can potentially be used for the same tenancy. Talk to your landlord or agent if you are interested in this service.

Letting Agent FAQ's

What does flatfair guarantee?

Up to 12 months’ rent or £100,000, whichever is lower, plus up to £10,000 of qualifying eviction legal costs.

How does the service work if arrears occur?

Notify us within 14 days of the first missed payment and keep us updated. If arrears continue for 91 days, a claim can be submitted.

What is not covered?

The guarantee covers rent arrears and legal costs, so items such as damage, utilities, council tax, agent fees, fines, cleaning and non-rent legal disputes are not covered.

What are my obligations?

Collect the required upfront rent and deposit or deposit alternative, notify us promptly of arrears and work with us to help minimise losses.

How does it work with joint tenancies?

Cover applies only to the guaranteed tenant’s share of the rent.

Can I start eviction myself?

Speak to flatfair before starting possession proceedings or incurring significant legal costs.

What if the tenant abandons the property?

Tell us promptly and take reasonable steps to re-let the property and minimise further losses.

When will I be paid?

We aim to assess a complete claim within 10 Business Days and pay accepted claims within a further 10 Business Days. If further arrears accrue, these can normally be paid on a monthly basis rather than only at the end of the tenancy. Full details are in the product Terms.

Do I use the deposit first?

The tenancy must have the required deposit or deposit alternative. Claims are assessed in line with the Tenant Guarantor Terms.

What if the service starts after tenancy start?

Tenant Guarantor must be in place before the tenant moves into the property.

What documentation is required?

Typically the tenancy agreement, rent statement and evidence of the arrears, plus any other information needed to assess the claim.

Can I cancel?

The landlord can end the agreement by giving written notice to flatfair, subject to the Tenant Guarantor Terms.

flatfair Partner FAQ's

What is flatfair’s Tenant Guarantor service?

A modern alternative to a traditional guarantor, helping eligible tenants secure their tenancy.

How does it help us let faster?

It gives eligible tenants who cannot provide a traditional guarantor another route to secure their tenancy.

How does it work with flatfair’s No Deposit product?

They can work together — No Deposit replaces the cash deposit and provides up to 10 weeks' cover, while Tenant Guarantor can replace the need for a personal guarantor.

How do agents earn revenue?

Partners can earn revenue share on eligible sales, subject to their commercial agreement with flatfair.

What’s covered for landlords?

Up to 12 months’ rent or £100,000, whichever is lower, plus up to £10,000 of qualifying eviction legal costs.

Does flatfair have a track record?

Yes. flatfair already works with thousands of landlords and letting agents through its established No Deposit product.

What tenants typically use it?

Typically students, international renters, contractors, new-to-UK workers and tenants with limited UK credit history.

How long does the guarantee last?

Up to 3 years, or until the tenant leaves the property, whichever comes first.

How does flatfair handle arrears?

We support arrears resolution through communication, payment plans and, where appropriate, possession and recovery processes.

How do we get started?

Sign up, complete onboarding and start referring eligible tenants to flatfair.

Is this insurance?

No. It’s a guarantor service, not insurance.

Can I cancel?

The landlord can end the agreement by giving written notice to flatfair, subject to the Tenant Guarantor Terms.

 

Ready to sign up?