Rent and Credit > What to Do If Your Rent Is Too High in the UK

What to Do If Your Rent Is Too High in the UK

Wollit Team2 minute read · Updated 18th August 2025

Rising rents across the UK have left many tenants struggling to keep up with housing costs. If you're feeling the pinch from a recent rent increase or simply finding your current rent unmanageable, you're not alone. The good news is that you have several practical options to address the situation, from negotiating with your landlord to understanding your legal rights.

How to Negotiate a Rent Reduction

Many tenants don't realise that rent is often negotiable, especially if you've been a reliable tenant. Here's how to approach your landlord about reducing your rent:

Research comparable properties in your area to understand current market rates. If similar properties are renting for less than what you're paying, you'll have strong grounds for negotiation.
Highlight your value as a tenant by emphasising your consistent payment history, property care, and length of tenancy. Long-term tenants save landlords money on advertising, viewings, and potential void periods.
Consider offering something in return such as signing a longer lease, taking on additional maintenance responsibilities, or agreeing to minor property improvements.
Approach the conversation professionally through email or letter, presenting your case with evidence and remaining respectful throughout the process.

Exploring Affordable Housing Options

If negotiating doesn't work, you might need to explore alternative housing options. The UK offers several affordable housing schemes that could help reduce your monthly costs:

Shared ownership schemes allow you to buy a share of a property (typically 25-75%) and pay rent on the remaining portion. This can significantly reduce monthly housing costs compared to private rental.
Social housing through your local council or housing associations offers below-market rents for those who qualify. While waiting lists can be long, it's worth registering if you meet the criteria.
House shares or flat shares can dramatically reduce individual rent costs while often providing better locations than you could afford alone.

Making the Most of Your Rent Payments

While working on reducing your housing costs, ensure your rent payments are working for you. Many tenants don't realise that rent payments can contribute to building their credit score.

Wollit’s rent reporting turns your regular rent payments into credit-building opportunities. By reporting your consistent rent payments to credit agencies, you demonstrate financial responsibility that may help when applying for mortgages or other credit products.

Building Financial Resilience for the Future

Once you've addressed your immediate rent concerns, focus on building financial resilience for future increases. This includes building an emergency fund, improving your credit score, and exploring income opportunities.

Building your credit score through consistent financial behaviour can open doors to better financial products and help when applying for mortgages. Having a strong credit profile shows landlords and lenders that you're financially responsible.