Twelve questions, asked weekly. Answered properly.

A professional rent guarantor is a company that stands behind a tenancy in place of a personal guarantor. Where a landlord or agent requires a guarantor and the tenant does not have a UK-based one, a professional guarantor signs the agreement instead.

opndoor provides professional guarantor cover for the initial twelve-month period from move-in, filed alongside the lease for the agent or operator to keep on record.

Referencing checks suitability. A guarantor stands behind the tenancy if rent is unpaid. opndoor sits alongside referencing, not in place of it. Your agent's referencing partner still completes their checks; we provide the guarantor cover that referencing does not.

No. The opndoor application uses a soft check. It does not appear on your credit file and does not affect your credit score.

The standard product covers an initial twelve-month period from move-in. Renewal options are available at the end of that period if your landlord still requires a guarantor; pricing for renewal is published when offered.

Yes. opndoor acts as your professional guarantor where a UK-based personal guarantor is required and you do not have one. The agent or landlord receives the same level of cover, documented and insurance-backed, without you needing to ask family or friends.

There is a £20 non-refundable eligibility fee. On approval, the guarantor fee is one month's rent on the property you are moving into, paid once. The standard product covers tenancies up to £10,000 PCM (£120,000 PA). No monthly charges.

No monthly fees, no add-ons, no recurring charges.

We assess each application on a wider footprint than a standard credit search. Some adverse credit profiles are eligible. Live IVAs, undischarged bankruptcies and very recent CCJs may not be. The eligibility section of How it works has the published criteria.

Most applications receive a decision within hours of completion. Same-day decisions are typical, depending on documentation. Where additional information is needed, we ask once, in writing, with a clear list.

Yes. We have a published student route based on enrolment, sponsor letters or savings rather than UK income. We work with PBSA operators across the UK and our route is designed to remove the family-back-home guarantor problem.

Yes. This is the core use case. opndoor is built for tenants and students who do not have a UK-based homeowner family member to act as a personal guarantor. We are accepted by major BTR and PBSA operators.

No subscription, no per-unit fee, no commission to onboard. The standard model is tenant-pays. Some BTR and PBSA operators contract with us at portfolio level and absorb the fee into their let-up costs; speak to the operator team if that is what you are considering.

opndoor is filed alongside referencing in the lease pack. Your referencing partner runs as normal; we assess the guarantor side and issue the documented cover. Most agencies and operators integrate without changing their lease template; portfolio integrations are available where the volume justifies it.