Rent and Credit > How to Prepare for Renting a Property in the UK

How to Prepare for Renting a Property in the UK

Wollit Team3 minute read · Updated 4th August 2025

Renting your first property can feel like a big step, especially if you’re not sure what to expect. From paperwork to credit checks to moving costs, there’s a lot to think about — but with a bit of preparation, the whole process becomes much more manageable.

Whether you're moving out for the first time or relocating to a new area, here's a step-by-step guide to help you prepare for renting in the UK.

1. Get Your Documents Ready

Before anything else, make sure you’ve got the right documents in order. Landlords and letting agents need to confirm your identity, income, and financial reliability.

Here’s what you’ll usually need:

Proof of identity – A passport or driving licence works best.
Proof of address – A recent utility bill, bank statement, or official letter.
Proof of income – Your last three payslips, or a job offer letter if you've just started. If you’re self-employed, tax returns or an accountant’s letter will do.
Bank statements – These help landlords see that you manage your money responsibly.

Having these documents ready will make the application process much smoother — especially in competitive rental markets where speed matters.

2. Know What You Can Afford

Rent is just one part of the cost of moving. You'll also need to plan for:

First month’s rent – Paid upfront.
Security deposit – Usually equivalent to 5 weeks’ rent.
Moving expenses – Think about van hire, broadband installation, or buying essentials.
Utility bills and council tax – These start from day one, so be ready.

Landlords typically want tenants whose income is 2.5 to 3 times the monthly rent. For example, if rent is £1,000 per month, you’d need to earn at least £30,000 a year. If you're receiving benefits or have another source of income, make sure it's clearly documented in your bank statements.

3. Understand Your Credit Score

Your credit score is a big part of the rental process. Most landlords or letting agents will run a credit check to see if you’ve paid past bills or loans on time.

A good score helps, but it’s not everything. If your score is low or you have little credit history, you might still get approved — you may need a guarantor (someone who agrees to cover rent if you can’t).

4. Understand the Application Process

Once you’ve found a place you like, things move quickly. Here’s how the typical rental application process works:

You submit your details – This includes your employment info, income, and previous addresses.
You provide references – Usually from a current or previous landlord, your employer, or someone who’s known you professionally.
Background checks are run – These include verifying your employment, contacting your references, and running a credit check.
You’re accepted or declined – This usually happens within a few days.

Be honest in your application and respond quickly to any requests — this shows you're organised and serious.

5. Budget for the Upfront Costs

Once you're accepted, you’ll need to pay your deposit and first month’s rent. In England and Wales, landlords can’t charge more than 5 weeks’ rent as a deposit (or 6 weeks if the annual rent is over £50,000).

By law, your deposit must be placed in a government-approved deposit protection scheme. Your landlord or agent should confirm this within 30 days of receiving your payment. This protects you and ensures you get your money back if the property is left in good condition.

6. Moving In and What to Expect

Once you move in, you’ll sign a tenancy agreement – a legal document that outlines your rights and responsibilities.

Most tenancies are fixed-term for 6 or 12 months. During this time, your landlord can’t end the agreement without following proper legal steps. You’re also protected by law when it comes to safe living conditions — landlords must keep the property in good repair, ensure heating and electricity work, and address serious issues promptly.

Before you settle in:

Take photos of any existing damage
Read your tenancy agreement carefully
Make sure all safety certificates (gas, electric, etc.) are provided
Register for council tax and utilities

Final Thoughts

Renting a home for the first time can feel stressful, but a bit of preparation goes a long way. By getting your documents in order, knowing your budget, and understanding what landlords are looking for, you’ll be in a strong position to secure a place you love.

Remember, if you're new to renting in the UK, Wollit can make your rent payments count towards building your credit score, helping you establish a strong financial foundation from day one.