Question 1

What is a rental guarantor?

Accepted Answer

A guarantor agrees to cover your rent if you don’t pay it. Landlords and letting agents often ask for one when a tenant is new to the UK, renting for the first time, self-employed or earning less than their usual income requirement. Arrival can act as your guarantor by issuing a rental guarantee to your landlord or letting agent.

Question 2

How much does Arrival Guarantor cost?

Accepted Answer

Your price is assessed individually, so it depends on your circumstances, the property and your rent. You’ll see your quote before you commit to anything. Our prices can be up to 35% lower than traditional guarantor companies.

Question 3

How do you calculate my price?

Accepted Answer

We look at what you tell us about yourself, your new home and your rent. We don’t publish our pricing method, but your quote is based on your application rather than a flat rate that everyone pays.

Question 4

Can I get a guarantee without a UK guarantor?

Accepted Answer

Yes. That’s what Arrival Guarantor is for. You don’t need a friend, family member or UK homeowner to back your rent. You’ll still go through our application and assessment, and we can’t approve every application.

Question 5

What documents will I need?

Accepted Answer

We’ll be in touch if we need any documents. This is normally your recent bank statements. You don’t need to send anything to apply.

Question 6

How can I reduce my guarantee fee?

Accepted Answer

You can choose to hold money in your Arrival account. Holding a balance may lower your guarantee fee, and the more you hold, the more you may save. Your quote shows the effect before you decide. You don’t have to add money to apply.

Question 7

Is money in my Arrival account still mine?

Accepted Answer

Yes. It’s held in an account in your name. You can see your balance in the Arrival app. If you’ve chosen to hold a balance to reduce your fee, your guarantee terms explain how that balance is treated.

Question 8

Can I withdraw my money?

Accepted Answer

If your balance is linked to your guarantee price, withdrawing it may change your fee or affect your guarantee. The account and guarantee terms set out exactly how this works, so please read them before you choose a balance.

Question 9

Is this the same as paying rent in advance?

Accepted Answer

No. Rent paid in advance goes to your landlord. Money you hold in your Arrival account stays in your own account. It isn’t paid to your landlord and isn’t used as rent.

Question 10

Do I still need to pay a tenancy deposit?

Accepted Answer

A guarantee and a deposit do different jobs. Arrival Guarantor doesn’t replace a deposit, so if your landlord or letting agent asks for one, you’ll still need to pay it.

Question 11

How long does the guarantee last?

Accepted Answer

Cover is available for up to 36 months. The guarantee period is confirmed when your guarantee is issued and shown on your certificate.

Question 12

What happens if I miss a rent payment?

Accepted Answer

You’re still responsible for paying your rent. If rent goes unpaid, your landlord or letting agent may make a claim under the guarantee, within its limits. The guarantee terms explain what happens next, including any amount you may then owe Arrival. If you think you’ll have trouble paying, talk to us early.

Question 13

Will my landlord accept Arrival?

Accepted Answer

Many landlords and letting agents accept professional guarantors, but the decision is theirs. It’s worth checking with your letting agent before you apply. If they have questions about the guarantee, they can contact us.

Question 14

Can I use Arrival if my landlord collects rent directly?

Accepted Answer

Yes. You don’t need to change how you pay rent. Arrival Guarantor works alongside whatever rent collection arrangement is already in place.

Question 15

What happens if my application is declined?

Accepted Answer

We’ll tell you. We can’t approve every application, and if we can’t offer you a guarantee you can discuss other options with your landlord or letting agent.

Your rental guarantor, for less.

Up to 35% cheaper than traditional guarantor companies.

How it works.

Put money aside. Pay less for your guarantee.

Your landlord gets their guarantee. You get on with moving.

There’s more to Arrival than your guarantee.

Questions about rental guarantees.

Find out what your guarantee could cost.