Renting a home for the first time in the UK can feel overwhelming. With tenancy agreements, deposits, referencing checks, and monthly budgeting to consider, knowing where to begin is key. This guide will walk you through every step of the process, offer practical tips, and link to tools that will help you make informed decisions. Whether you're renting alone or with others, this guide will help you feel confident in your next move.
1. Understand Your Budget
Before viewing properties, work out how much rent you can afford. As a general rule, your rent should not exceed 30–35% of your take-home pay. It is also crucial to account for other living costs, such as utilities, transport, and council tax.
Use our tool to get a clear idea of your limits:
How Much Rent Can I Afford in the UK? | Free Rent Affordability Calculator
2. Gather Your Documents
Most landlords and letting agents will ask for several documents. These documents help to confirm your identity, income, and right to rent in the UK. It is smart to gather these early so you can act quickly when you find the right place.
Typical documents include:
- Photo ID (passport or driving licence)
- Proof of income (payslips or contract)
- Credit check details
- Previous landlord references
- Right to Rent documentation (for non-UK nationals)
Read the full checklist:
What Documents Do You Need to Rent a Flat?
3. Consider Who You Are Renting With
If you are renting with flatmates, understanding each other’s financial situation and lifestyle expectations is important. Rent can vary significantly depending on how many sharers you live with, which can impact affordability and available options.
Explore our guide to co-renting, savings tips, and our sharers calculator:
Renting with Sharers: Sharers Calculator & Saving Tips
4. Upfront Costs: Deposits and Fees
Most landlords require:
- A refundable security deposit (capped at five weeks’ rent for most tenancies)
- The first month’s rent in advance
It is a good idea to have these funds saved and ready. If you are also exploring buying down the line, understanding deposit expectations for a mortgage could be helpful.
5. Do Not Forget Council Tax and Utilities
Tenants are generally responsible for:
- Council tax (unless otherwise stated in your tenancy)
- Utility bills (electricity, gas, water)
- Broadband and TV licence
Rates vary by borough. If you are moving to the capital, see this guide:
London Council Tax 2025/2026
6. Location and Lifestyle Considerations
Beyond the cost, choose a location that aligns with your lifestyle. Are you looking for green space, easy access to the tube, or a vibrant social scene?
Final thoughts
Renting in the UK for the first time does not have to be intimidating. With the right tools, knowledge, and preparation, you will be ready to find a place that feels like home.
FAQs: Renting in the UK for the First Time
How much rent can I afford on a £30k salary?
Typically, you should aim to spend no more than £750–£875 per month on rent, depending on your other expenses. Use our rent affordability calculator for a tailored estimate.
Do I need a guarantor?
You may need one if your income does not meet affordability checks, or if you have limited UK credit history.
Can international students or workers rent in the UK?
Yes, but you will need to show proof of your right to rent, such as a visa and valid passport.
What is included in a tenancy agreement?
It outlines your responsibilities, the rental term, notice period, deposit details, and what is included in your rent.
How do I know if renting or buying is better?
Use our Rent vs. Buy Calculator to compare costs over time based on your circumstances.
