Renting in the UK has been getting tougher for years, with rising costs and fewer properties available.
Now, with major changes coming into force in England, including the end of no-fault evictions and tighter rules on rent increases, there’s a sense that things might finally start to change. But even with new protections, the day-to-day reality of renting still comes down to how well you understand the system and where you can make it work in your favour. From cutting bills to knowing your rights, there are practical ways to make renting more manageable. Here are 16 that can genuinely make a difference.
Use your rent payments to build your credit score.
Paying rent on time is one of your biggest regular financial commitments, and in some cases, it can now count towards your credit history. Some landlords and services allow rent payments to be reported to credit agencies. This can help strengthen your credit profile over time, which is useful if you plan to apply for loans, credit cards, or a mortgage in the future. It’s worth checking if your payments are being recorded or if you can opt in.
Switch your energy tariff if you pay the bills.
If your tenancy doesn’t include bills, and you pay for energy directly, you’re usually free to switch suppliers. You don’t need permission unless it involves physical changes to the meter. Shopping around for a better deal can cut your monthly costs, especially if you’ve been on the same tariff for a while. Even a small saving adds up over the year.
Make your home feel bigger without moving.
Renting often limits what you can change, but there are still simple ways to make a space feel larger and more usable. Rearranging furniture, adding storage, or using vertical space can make a noticeable difference. Small changes like better lighting or multi-use furniture can also help. It’s less about major upgrades and more about making the most of what you already have.
Switch broadband to cut costs and boost speed.
Many renters stick with the same broadband deal without realising they’re out of contract. If that’s the case, you’re free to switch providers and often get a better price or faster speeds. Unless your tenancy specifically restricts it, you don’t need permission to change providers. Checking what’s available in your area can lead to a much better deal.
Consider property guardian schemes for lower rent.
Source: Unsplash Property guardianship offers a different way to rent, where you live in an empty building to help keep it occupied. This can include anything from flats to unused commercial spaces. Rent is often considerably lower than standard rates, but it comes with less security and flexibility is essential. It’s not for everyone, but it can work well for some people.
Don’t overlook contents insurance.
Source: Pexels While landlords are responsible for the building itself, your belongings aren’t covered unless you insure them. Contents insurance can be surprisingly affordable and protects against theft or damage. It’s especially worth considering if you have valuable items or live in shared accommodation. It’s a small monthly cost that can prevent much bigger losses.
Check if you’re eligible for a Council Tax discount.
Depending on your situation, you might be entitled to a reduction on your Council Tax bill. This can apply if you live alone, are a student, on a low income, or have certain health conditions. Discounts can range from partial reductions to full exemptions, so it’s worth checking with your local council rather than assuming you’re paying the correct amount.
Use apps to split bills in shared homes.
Living with others can make managing bills complicated, especially when costs are shared unevenly. Bill-splitting apps can help keep everything organised and avoid confusion. They track who owes what and simplify repayments, which can reduce tension and make shared living a bit smoother.
Check your landlord is properly licensed.
Some rental properties require landlords to have a licence, depending on the area and type of property. If they don’t have one when they should, it can lead to serious consequences for them. In some cases, tenants may even be entitled to claim back rent. It’s worth checking with your local council to see what rules apply in your area.
Look for free or low-cost furniture options.
If your property is unfurnished, you don’t have to spend a fortune filling it. Online marketplaces and giveaway groups often have furniture available for free or very low prices. It can take a bit of time to find what you need, but it’s a practical way to set up a home without overspending.
Make sure your deposit is protected.
By law, most tenancy deposits must be placed in a government-backed protection scheme. This helps ensure you get your money back at the end of your tenancy if everything is in order. If your deposit hasn’t been protected, you may have the right to take action and potentially receive compensation. It’s something every tenant should check.
Open a Lifetime ISA if you’re thinking about buying.
If you’re planning to buy a home in the future, a Lifetime ISA can help you build a deposit. The government adds a bonus to your savings each year, which can make a noticeable difference over time. Even if you’re not ready to buy yet, opening one early can be useful, as there are time limits before you can use it for a purchase.
Check your credit file isn’t linked to old housemates.
If you’ve previously shared bills or accounts with housemates, your credit files may still be linked. This can affect how lenders assess you. If you no longer have any financial connection, you can request to have that link removed. It’s a simple step that can prevent issues later on.
See if you qualify for extra financial support.
If you’re struggling with rent or living costs, there may be support available through benefits or local schemes. Even if you’re working, you could still be eligible for help. It’s worth checking rather than assuming you won’t qualify. Many people miss out simply because they never look into it.
Know your options if you’re in a dispute.
If problems come up with your landlord, there are official channels that can help. This includes local councils and dispute resolution services. Understanding your rights makes it easier to deal with issues properly rather than feeling stuck or unsure of what to do next.
Consider switching to a water meter.
If you pay your own water bills and live in a property with more bedrooms than people, a water meter could reduce your costs. You’re often allowed to request one without needing permission. It’s not always cheaper, but checking with a calculator can give you a clear idea. For some households, it can lead to noticeable savings over time.
