Renting advice for tenants | Debt help from CCCS

Renting a house

When renting a property you should have a tenancy agreement, this is a legal document which outlines your rights and the obligations of the landlord.

Tenancy agreement

You can rent a property through private landlords, local councils and housing associations. All three operate different types of tenancy agreement which give you different rights as a tenant. If you are unsure what the terms of your tenancy agreement are, ask your landlord or check your copy of the agreement.

Council and social landlords

Your local council or housing association provides council and social housing. You have to apply to the council and are usually placed on a waiting list to get a property. Councils and social landlords normally offer cheaper rental properties than private landlords.

Private landlords

Private landlords will charge rent based on the market rate for the area. They are likely to ask for a deposit and may want references. You will not have to apply to a waiting list.

If you rent your property and you miss payments your landlord may try to evict you.

If you are struggling to pay your rent we will be able to help you. Contact our Helpline to speak to one of our advisors on 0800 138 1111.

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FAQs

If I rent from a private landlord will I be credit checked?

Some private landlords use a rental agent to find new tenants and they may do a basic credit search. They will check your previous addresses and will see if you have any county court judgments or if you have ever been bankrupt.

If you are worried that this may affect you being able to rent, you could offer to pay a larger deposit. You could also ask a family member or friend to be a guarantor for your rent or supply references from a previous landlord.

Can I apply for a council house?

Most people can apply for a council house but there will be a waiting list. Council houses are allocated on a points system. How long you wait to be given a house will depend on how many points you have. The council will give a higher priority to vulnerable people, people with children and people who are homeless.

If the council thinks you have made yourself intentionally homeless you may not be able to apply for a council house.

Can I get Government help towards my rent?

If you are struggling to pay your rent you may be entitled to some Government help. If you have a low income or receive certain benefits you may be able to claim Housing Benefit or Local Housing Allowance. Depending on your situation this may pay all or part of your rent.

To check what benefits you can claim you could visit Turn 2 Us, a website with a benefits calculator. If you are struggling with other debts and would like to speak to someone about what benefits you can claim please call our helpline. One of our specialist advisors will be able to help you.