Rent Guarantor

What Rent Guarantor does

RentGuarantor Holdings PLC (AIM: RGG) is a UK-based professional rent guarantor service that acts as a stand-in guarantor for tenants who cannot provide a personal guarantor, primarily serving students (including international students), working professionals, self-employed individuals, and benefits recipients in the private rental sector. The platform offers a digital self-serve application with integrated credit referencing via Keysafe and Open Banking, digital contract execution via Xodo Sign, and multiple payment options (PayPal, Payl8r), with decisions typically delivered within 4 hours. The core product combines a rent guarantee (up to £120,000 or 12 months' rent) with damages protection (up to two months' rent) and arrears management support, monetized through an annual fee of typically 3-4 weeks of rent (minimum £249) plus a one-time £20 application administration fee.

The company is investing heavily in AI and automation, developing the ADR-UC (Automated Document Reader for Universal Credit) tool to enable one-minute approval decisions and target 100,000 contracts per year by 2029 — a 30-fold increase over FY2025 capacity. Strategic distribution is anchored by a two-year partnership with the National Residential Landlords Association (NRLA) and a co-developed combined deposit-plus-guarantor product with Mydeposits launched in 2026 to address the structural shift created by the Renters' Rights Act. Revenue reached £2.39M in FY2025 (87% YoY growth) with the first positive monthly result in May 2026; cumulative guarantees issued since 2021 exceed 5,000.

Name

Rent Guarantor

Legal name

RentGuarantor Holdings PLC

Website

https://rentguarantor.com

Company type

Public

Founded year

2018

Operating status

Operating

Headcount range

1–10 employees

Short description

RentGuarantor Holdings PLC (AIM: RGG) is a UK-based professional rent guarantor service that substitutes for personal guarantors for students, working professionals, and benefits recipients, offering digital application, AI-assisted underwriting, and rent default protection to landlords and letting agents.

Ownership category

akta.pro rank

Product category

Rent Guarantee Services

NAICS

Lessors of Real Estate (5311)

SIC

Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Guarantor/Co-Signer Consumer Loans (FSAKAOAI)

akta.pro secondary industries

Renters Insurance (FSAJACAB), Residential Lease Administration & Tenant Services (BPAJAFAL)

Keywords

• Rent guarantor services
• Tenant referencing
• Rent default protection
• Deposit replacement
• Tenant screening

Headquarters

HQ city

London

HQ country

United Kingdom

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Technology or R&D, Personnel, Marketing or Sales, Infrastructure, Operations

Revenue model

1. Annual Rent Guarantor Fee: Tenants pay an annual fee for professional guarantor services covering the initial tenancy period. The fee covers rent payment guarantees, damage protection up to two months' rent, and support services. From year two onwards, fees can be paid in monthly instalments by direct debit.
2. Application Administration Fee: One-time non-refundable £20 application fee charged for processing tenant applications, collected before detailed assessment begins.

Pricing tiers

Go-to-market motion2 records

Distribution channels6 records

Marketing channels7 records

Core offering

RentGuarantor acts as a professional UK-based rent guarantor for tenants who cannot provide a personal guarantor, providing landlords with rent default protection up to £120,000 or 12 months' rent, damage protection up to two months' rent, and arrears resolution support. Tenants apply through a digital platform, pay an annual fee (typically equivalent to 3-4 weeks of rent, minimum £249) plus a one-time £20 application fee, and receive digital contracts within hours. The company also offers combined rent deposit and guarantor services in partnership with Mydeposits and an AI-powered document processing tool (ADR-UC).

Product overview

RentGuarantor offers a unified professional rent guarantor service for the UK private rental sector. The core product is the RentGuarantor Professional Guarantor Service, which provides rent default protection up to £120,000 or 12 months' rent alongside a damages guarantee up to 2 months' rent. The service is supported by a digital tenant application platform with integrated credit referencing (via Keysafe and Open Banking), digital contract signing (via Xodo Sign), and multiple payment options (PayPal, Payl8r). Recent additions include an AI-powered Automated Document Reader for Universal Credit (ADR-UC) for automated document processing, and a combined rent deposit and guarantor product developed with Mydeposits. The Quick Quote Tool provides instant pricing, while dedicated arrears management services handle payment recovery and eviction support.

Differentiator

Problem solved

Functional benefit

Products and services

• RentGuarantor Professional Guarantor Service Core professional rent guarantor service where RentGuarantor acts as the UK-based guarantor for tenants unable to provide a personal guarantor. Provides landlords with rent default protection up to £120,000 or 12 months' rent, damage protection up to two months' rent, legal eviction cost coverage, and out-of-court issue resolution support. Tenants pay an annual fee covering up to three years of coverage with monthly instalment options from year two onwards.
• Quick Quote Tool Free, no-obligation online calculator that instantly estimates the annual guarantor fee based on the tenant's monthly rent, total tenancy cost, and occupation type (student, employed, benefits, self-employed). Provides a personalised quote via email and serves as the primary funnel into the application process.
• Tenant Application Platform End-to-end online application system enabling tenants to apply for guarantor services in approximately 15 minutes, complete automated credit referencing via Keysafe with Open Banking income verification, submit required documents, track application status, and receive digitally signed contracts via Xodo Sign. Most applicants receive a decision within 4 hours.
• Combined Rent Deposit and Guarantor Service Co-developed product with Mydeposits offering both government-approved deposit protection and professional rent guarantor services through a single combined fee. Designed for tenant customers and landlord/agent partners to replace the certainty of rental income that was previously provided by rent in advance requirements abolished under the Renters' Rights Act. Debuted early summer 2026.
• Arrears Management Service Standalone support service for landlords handling tenant rent arrears, including claims processing, tenant communication, payment recovery, and eviction cost coverage up to £10,000 for non-payment proceedings. Helps resolve issues before court action and saves time and costs for all parties.

Quantifiable outcome

• 99.1% customer service rating on ESTAS
• +6 more outcomes

Segments8 records

Ideal customer profiles8 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

AI capability3 records

Feature4 records

Partnerships

Six partnerships are on record, tiered minor and core.

• Move iQminorStrategic or Co-development Partner · 18 June 2026Partnership with Phil Spencer's Move iQ property information platform to launch practical guide for renters. Co-marketing initiative to provide renters with guidance and information.
• MydepositscoreStrategic or Co-development Partner · 10 April 2026Partnership to launch combined rent deposit and guarantor service. The new product will allow tenant customers and landlord/agent partners to access Mydeposits' government-approved deposit protection scheme alongside RentGuarantor's professional guarantor service through a single combined fee. Aims to replicate certainty of rental income lost with abolition of rent in advance under Renters' Rights Act.
• National Residential Landlords Association (NRLA)coreChannel Partner/ Reseller/ Distributor · 1 June 2025Two-year strategic partnership with NRLA for distribution. As the UK's largest private landlords association, NRLA provides access to member landlords who can offer RentGuarantor services to tenants. The partnership is a key channel for customer acquisition in the landlord segment.
• PropertymarkminorGTM or Marketing PartnerPropertymark Industry Supplier partnership. Propertymark is a UK property professional body providing recognition and access to letting agent network.
• PayPalminorOthersPayment processing partner. Tenants can pay fees via PayPal wallet or use Pay in 3 instalment option.
• Payl8rminorOthersInstalment payment partner. Tenants can pay fees in 3, 6, 9, or 10 monthly instalments subject to affordability assessments. Representative APR 127.34%.

Scale indicators9 records

Recent moves7 records

Expansion highlights6 records

Broad incumbents

• HomeLet: Established UK tenant referencing, rent guarantee insurance, and lettings services provider owned by Arthur J. Gallagher. Offers overlapping guarantor and tenant screening products but as part of a much broader insurance and lettings portfolio rather than a focused niche.
• Barbon Insurance (HomeLet group): UK specialist in tenant referencing and rent guarantee insurance under HomeLet. Established incumbent in the same product category with deeper underwriting data and broader agent relationships.

Direct peers

• Goodlord: UK PropTech platform for letting agents covering referencing, contract signing, and rent collection. Directly comparable digital workflow and target customer (letting agents); could feasibly bundle a guarantor-style product to compete.
• Let Alliance: UK tenant referencing, insurance, and rent guarantee provider serving letting agents and landlords. Comparable product mix (referencing + rent guarantee) and similar distribution model via letting agent partnerships.
• Housing Hand: UK's largest specialist rent guarantor service providing a near-identical product to students and professionals who lack a UK-based personal guarantor. Closest direct competitor on pricing, target customer, and AI-enabled digital application flow.
• Rentguard (UK): UK specialist provider of rent guarantee insurance and tenant referencing products. Direct competitor on the landlord-side insurance product that RentGuarantor's guarantee effectively replicates.

Others

• mydeposits (partner): Government-approved tenancy deposit protection scheme in the UK and now a RentGuarantor partner for the combined deposit-and-guarantor product. Adjacent ecosystem participant rather than direct competitor, but data and process integration could shift the balance over time.
• Deposit Protection Service (DPS): Government-authorised tenancy deposit protection scheme and part of the wider landlord compliance stack. Adjacent infrastructure provider rather than a guarantor competitor.

Emerging players

• Tenant referencing via Canopy: UK PropTech tenant referencing platform serving letting agents. Partial overlap on referencing and tenant screening workflows; could expand into guarantor-style guarantees as part of bundled agent propositions.

Regional players

• OpenRent: UK-focused online letting platform serving private landlords with tenant matching and referencing tools. Comparable UK-only geographic scope and landlord-direct distribution model but does not currently offer a guarantor product.

Market position

Strengths5 records

Weaknesses5 records

Key risks4 records

Key highlights7 records

Customer concentration

• Xx.com/RentGuarantor
• Facebookfacebook.com/RentGuarantor
• LinkedInlinkedin.com/company/rentguarantor

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Subsidiaries1 record

Funding overview

Funding rounds5 records

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Rent Guarantor