How can we help?

How does it work?

How does the Housing Hand Service work?

  • Can Housing Hand stand as rent guarantor for a group?

    A guarantor is required per person. If more than one tenant requires a guarantor, each tenant must apply to Housing Hand separately. In the event that some tenants would like to use Housing Hand and some do not, we can stand for just those that want to, i.e. 3 tenants require a guarantor, 2 use Housing Hand and third uses their own guarantor.

    All tenants can however use the same co signer, as long as the co signer does not live in the same property.

  • How does your Guarantor service work?

    Getting a guarantor has never been easier!

    Watch the video and see below the few simple steps required so that you can secure your rental property agreement and move in.

    Apply
    Whether you’re a student or a working professional, just fill in our online application form or give us a call on +44 (0)207 205 2625.

    Decision
    We give you a decision in minutes on whether you will be accepted and we guide you through the next stages.

    Provisional Eligibility Certificate
    If your application is successful, you will receive a Provisional Certificate showing that you are eligible for our service. This is to help you in your property search by showing that you will be able to get a UK Guarantor when the time comes. Please note that this is only a provisional certificate and so its only the first step in the process. .  Once your property details are confirmed you will need to go online and finish the application to sign a formal contract with us.

    Contract signed
    Once you have completed the application process in full, we will check your tenancy details with the accommodation provider and your supporting documents. If all is in order, then we will send you a contract to sign. Once you and your co-signer have signed this, we will sign a guarantor deed with the accommodation provider and you are all set to move in.

     

  • Can I pay monthly for the guarantor service?

    Yes. If you can’t pay the full guarantor fee upfront, Housing Hand offers a monthly payment option where your fee payment is spread over an 8 month period. We want to make things easy for you to move in quickly !

  • How do I pay for the service?

    We use the Stripe as our payments processor so that you can pay with a credit or debit card online through our website.

    Alternatively, once you have applied online, one of our Housing Officers will call you to take your payment. Payment can be made by telephone by bank or credit card (excluding American Express) or by bank transfer. The contract cannot start until full receipt of cleared funds; a receipt will be emailed immediately upon payment to the applicant or cardholder.

  • How long does the process take?

    It all depends on how fast and how completely you have filled in your application.

    Housing Hand can process your application within one day as all parts of the process are completed online and we have a policy to provide an immediate response to each enquiry. In some circumstances, we might experience delays in obtaining the paperwork/documents from your Accommodation Provider. If this is the case, we will always keep you updated and informed.

    Please note that we are unable to process your application if you have not completed the full online application, uploaded your documents and made a payment us.

  • I am an international student. Do I need to be in the UK to complete the application?

    The whole process can be completed online and can be done from anywhere in the world. We will request your mobile phone number and email address on your application form so that we are able to contact you when necessary.

  • How long does Housing Hand stand as my UK Guarantor?

    It depends on the length of your tenancy agreement. Each case is dealt with on an individual basis, so there is no standard answer, but typically:

    For a student: 12 months.

    For a working professional: 6 months or 12 months on request.

    For periods longer than 12 months, you will need to renew your application at the appropriate time.

  • Should I pay the administration fee to my Accommodation Provider prior to completing the Housing Hand Guarantor process?

    We recommend that you only pay a deposit or an administration fee after being given a confirmed guarantor deed by us as some agencies or landlords may decline to reimburse any pre-paid fees if a suitable guarantor is not provided.

    Some student accommodation, such as halls of residences, require a security deposit to be paid prior to providing a guarantor but often are prepared to reimburse this fee upon request.

  • What happens if my landlord does not accept Housing Hand ?

    We work with thousands of Letting Agents, Student Halls and Landlords across the UK. But if there is a problem and your accommodation provider does not accept Housing Hand as a guarantor then we will give you a refund.

  • What is the status of my application ?

    Please log in and look at your portal page here . You can see how your application is progressing.

  • I have applied online and received a Provisional Certificate of Eligibility. What is this and what do I do with it?

    When you apply online, and if you are eligible for the service, you are emailed a downloadable Provisional Certificate of Eligibility. The certificate will allow you to inform your Accommodation Provider that you have a Rental Guarantor in principal should they require official assurance before showing you any properties. However, please note that you will still need to complete the application process before we become your guarantor. The certificate is just proof that you are eligible to use our service not that we are already acting as your guarantor. We will only sign the Guarantor Deed with your Accommodation Provider once you have completed the full application process with us.

  • When will I get my contract ?

    As soon as we have confirmed your tenancy details, checked your documents and co-signer information we will send you our contract. You can see how your application is progressing here. You might want to check your email (and your spam folder just in case) to see if we have already sent you a contact to sign.

  • Why is it taking so long?

    We try to process applicants as fast as we can. In the summer months, we have quite a high volume of applicants which can slow things down a bit. If your case is urgent then call us on + 44 (0) 207 205  2625 and we will do our best to process your application today. To speed things up you can make sure that :

    1. You have uploaded all the right documents
    2. You have filled in the co-signer details completely
    3. Your tenancy details are up to date
    4. You have checked your email to see if we have already sent you a contract to sign
    5. You have alerted your co-signer that they need to sign the contact too.
  • What are Housing Hand's guarantor details?

    When filling in a Guarantor Form, you may be asked to provide the details of your guarantor such as name, email, phone number, date of birth, national insurance number etc.
    We advise our applicants to use the following details:
    Name: Mr Housing Hand
    Email: [email protected]
    Phone number: 02072052625
    Address: 7 Henrietta Street, Covent Garden, London, WC2E 8PS
    Date of birth: 19/2/2013 (which is the date of incorporation for the company – if this doesnt work because the guarantor needs to be over 18 please use 19/2/1980.
    National Insurance Number: AB000000A

    Please give us a call on 0207 205 2625 if you have any more issues.

     

  • What is Housing Hand's National Insurance number?

    When filling in a Guarantor Form, you may be asked to provide the details of your guarantor such as name, email, phone number, date of birth, national insurance number etc.
    We advise our applicants to use the following details:
    Name: Mr Housing Hand
    Email: [email protected]
    Phone number: 02072052625
    Address: 7 Henrietta Street, Covent Garden, London, WC2E 8PS
    Date of birth: 19/2/2013 (which is the date of incorporation for the company – if this doesnt work because the guarantor needs to be over 18 please use 19/2/1980.
    National Insurance Number: AB000000A

    Please give us a call on 0207 205 2625 if you have any more issues.

  • How do I sign the online contract?

    After you have applied for the service, you will be sent a contract to sign which sets out the Terms and Conditions of your Guarantor Agreement with us. This is sent to you by email and can be signed online. Instructions on how to sign the Guarantor Agreement will be sent to you in an email. The process is quick and simple.

    Please note that you will receive the Guarantor Agreement to sign before it is forwarded to your co-signer for their signature. We recommend that you contact your co-signer after you have signed the Agreement to inform them that it has been sent to them and to explain that they need to sign it online.

    We also recommend that you and your co-signer sign the Agreement as soon as possible to avoid any delays with your application. If you have any problems please call our office on +44 (0)207 205 2625.

  • How to get your National Insurance number (NI number)

    Housing Hand requires UK residents to provide their national insurance number to complete their application.
    To find out your national insurance number, please go to the UK Gov website.

     

  • What is the Housing Hand refund policy?

    We will consider giving you a refund if you have not yet moved in to your new accommodation. We may charge you an administration fee of £75 depending on the reason for the cancellation.

    If you are requesting a refund because you or your co-signer decided to cancel we will charge the administration fee. If the cancellation happened because your accommodation provider did not allow you to move in for some reason then we will not charge you an accommodation fee.

    We will pay any refund due within 28 days of receiving a request in writing to this email address: [email protected]

  • Can I change a co-signer and what do I do?

    Yes, you can if your co-signer has not signed our contract yet. Log on and change the details online.

    If your co-signer has signed our contract but you have not moved in yet, it might be possible to change in exceptional cases.

    If you have already moved in then it will not be possible to change your co-signer.

    When in doubt, contact Housing Hand immediately at +44(0) 207 205 2625 and we can help you through the process.

  • What happens if I move out and end my Tenancy Agreement early?

    You are required to provide evidence that your Accommodation Provider has confirmed that you have been released from the Tenancy and there is no outstanding debt at the property. Otherwise you are still liable for all outstanding rent to the end of your Tenancy Agreement.

    If you are on a monthly payment plan with Housing Hand you are still liable for the Guarantor service fee even if you have moved out early.

  • What happens if I am late paying rent?

    The accommodation provider will invoice Housing Hand and we will arrange payment. We will work with you or if required, your co-signer, to arrange repayment to Housing Hand.

  • How do I renew my Guarantor Agreement with you?

    You can renew your Guarantor Agreement with us at any time. To renew, log on to our website and select the renew option. We will ask you to confirm whether your Tenancy details have changed and then send you out a new Guarantor Agreement to sign. We will do the rest for you!

    If you are having issues renewing please visit this page and follow the instructions.

  • What is your refund policy?

    We will consider giving you a refund if you have not yet moved in to your new accommodation. We may charge you an administration fee of £75 depending on the reason for the cancellation. If you are requesting a refund because you or your co-signer decided to cancel we will charge the administration fee. If the cancellation happened because your accommodation provider did not allow you to move in for some reason then we will not charge you an accommodation fee. We will pay any refund due within 28 days of receiving a request in writing to this email address: [email protected]

  • Do I always need a guarantor for renting in the UK?

    It depends on the accommodation provider. More and more accommodation providers, landlords and letting agencies require their tenants to have a guarantor before they will rent out a property.

    If you don’t have one, Housing Hand can stand as your guarantor to secure your tenancy agreement and allow you to move in in the easiest way.

  • Can my guarantor back out?

    No. Once the AST and the Guarantor Deed have been signed we are legally bound for the fixed term of the tenancy. The only time in which it would be possible to back out of a guarantor agreement would be if the Guarantor Deed has not be seen signed yet.