Kerfuffle & Compare The PropTech Partner Propertymark Industry Supplier

Losing lets because your applicant has no guarantor? RentGuarantor gives every tenant a professional, insured guarantor - zero cost to your landlords.

Thousands of otherwise solid tenants fail affordability checks each year because they lack a personal guarantor. RentGuarantor acts as a professional, fully insured guarantor on their behalf - underwritten by leading insurers, with legal protection up to £120,000 and 24-hour approvals. Your landlords get guaranteed rent if the tenant can't pay. You get the let.

24h

24-hour approvals

Fast turnaround keeps your pipeline moving

£0

Zero cost to landlords

Tenants pay the fee - landlords receive protection

£120k

Up to £120k cover

Rent guarantee backed by leading insurers

3yr

Up to 3 years

Continuous guarantee with annual renewal

Get the member offer → Book a RentGuarantor demo See how it works

The guarantor gap

Good tenants are falling through because no one will stand as their guarantor

Students, self-employed professionals, new-to-country workers, and people between jobs - all can be excellent long-term tenants. But if they don't have a homeowner parent or a UK-based relative willing to sign a personal guarantee, many letting agents simply can't proceed. That void period is real money.

Personal guarantors are harder to find than ever

With house prices high and many people renting themselves, the pool of homeowner relatives who can act as guarantors has shrunk. Requiring a personal guarantor is quietly filtering out solid, working tenants.

Referencing passes but the guarantee fails

A tenant can have a clear credit file and steady income but still not meet guarantor requirements. That mismatch creates an awkward situation - you've done the work, but can't complete the let.

Void periods cost landlords far more than a guarantor fee

A single week's void on a £1,200/month property costs £277. Losing two or three applicants a year to the guarantor issue adds up fast - and your landlord will notice.

Personal guarantors carry no insurance

Even when a friend or family member does agree to act as guarantor, there's no underwriting behind that promise. If they can't pay either, your landlord is exposed. A professional, insured guarantor changes that calculation entirely.

The process

How RentGuarantor works for your agency

From application to guarantee in four straightforward steps. No extra admin on your side - RentGuarantor handles the process and pays your landlord directly if a claim arises.

Applicant applies online

Your tenant submits an online application in around 15 minutes. They provide proof of income, property details and a contact person. A non-refundable £20 admin fee is paid at this stage.

Approval in 24 hours

RentGuarantor assesses the application and typically provides a decision within 24 hours. Once pre-approved, property details are confirmed and the fee is calculated based on rental value.

All parties sign

You, the landlord and the tenant all sign the guarantor agreement. The tenant pays the annual fee - typically equivalent to 3-4 weeks' rent - via secure payment link.

Guarantee issued and protected

RentGuarantor officially acts as guarantor. If a tenant falls into arrears, RentGuarantor pays the landlord directly and manages recovery. Legal costs for eviction proceedings are also covered.

Kerfuffle Member Offer

Register your interest and make RentGuarantor available to every applicant

As a Propertymark Industry Supplier, RentGuarantor is endorsed for estate agents and letting agencies across the UK. Kerfuffle members can discuss the referral setup, commercial terms and how to introduce the service to applicants who need it.

Propertymark Industry Supplier - endorsed partner status
Zero cost to landlords - tenants pay the guarantee fee
Up to £120,000 in rent guarantee protection per tenancy
Legal costs for eviction proceedings covered
Annual renewal with no-claims discount available
Flexible payment options for tenants including instalments
NRLA-partnered - trusted by landlord associations

Propertymark Endorsed

Professional Rent Guarantor Service

Fee from £249 per tenant per year

Fees are paid entirely by the tenant. Landlords receive guaranteed rent protection at no cost. Kerfuffle members can arrange introductions and discuss commercial referral terms through the member programme.

Book a Zoom to discuss →

Common questions

Frequently asked questions

What does RentGuarantor actually cover?

RentGuarantor provides a professional guarantee covering unpaid rent up to £120,000 and legal costs of up to £10,000 for eviction proceedings due to rent arrears. If the tenant defaults, RentGuarantor pays the landlord directly and then manages recovery from the tenant. It covers rent-related obligations only - it does not cover property damage or the deposit.

Who pays for the RentGuarantor service?

The tenant pays entirely. There is no cost to the landlord or agent. The fee is typically equivalent to 3-4 weeks' rent per year, starting from £249. A non-refundable £20 application fee is charged upfront; the main fee is only charged once all parties have signed the agreement.

How long does approval take?

RentGuarantor typically provides an initial decision within 24 hours of receiving the completed application. The application itself takes around 15 minutes for the tenant to complete. This means you can keep tenancies moving without significant delays.

What types of tenants can use RentGuarantor?

RentGuarantor accepts a wide range of applicants including students, employed professionals, self-employed individuals, benefit recipients and people who are new to the country. Anyone with insufficient personal guarantor arrangements can apply. Eligibility is assessed case by case.

Does the guarantee renew automatically?

No - if the tenant stays beyond the initial term, they are required to renew the guarantee each year. A no-claims discount applies on renewal, which can reduce the annual fee. The guarantee covers the tenancy for up to three years in total, covering subsequent renewals.

Is RentGuarantor backed by insurance?

Yes. The service is underwritten by leading insurers, which means the guarantee is financially backed rather than relying solely on the company's own balance sheet. This provides landlords with a more robust layer of protection than a personal guarantor can typically offer.

Can my landlord request RentGuarantor even if the tenant hasn't suggested it?

Yes. If your landlord is comfortable proceeding with a tenant but wants a professional guarantor in place, you can introduce RentGuarantor as the solution. The tenant must apply and agree to the service - but agents can recommend it as a route to completing the tenancy.

What happens if a claim is made against the guarantee?

If the tenant falls into arrears, the landlord notifies RentGuarantor in accordance with the terms. RentGuarantor pays the landlord directly for the covered amount and then pursues the tenant for repayment. Legal support for eviction proceedings is included where necessary.

Why agents use RentGuarantor

Professional guarantors let you complete lets that would otherwise fall through

The guarantor gap is a real and growing problem in UK lettings. RentGuarantor was founded specifically to solve it - for tenants who deserve a chance, and landlords who deserve security.

£120k

Maximum rent guarantee cover per tenancy

24hr

Typical application turnaround time

3 yrs

Maximum guarantee period with annual renewal

£10k

Legal cost cover for eviction proceedings

Stop losing lets because your applicants can't find a guarantor.

RentGuarantor is a professional, insured solution that costs your landlords nothing and protects them up to £120,000. Kerfuffle members can arrange introductions and review commercial terms before committing.

Visit RentGuarantor → Book a Kerfuffle discussion

Want to walk through how this would work at your branch?

Grab 15 minutes with the Kerfuffle team. We will walk through the member offer, answer your questions and figure out the best fit for your applicant flow.

Book a quick Zoom to discuss options →