opndoor is a UK professional rent guarantor company. We give letting agents, build-to-rent operators, PBSA teams and the tenants they let to a documented guarantor route in cases where standard referencing alone is not enough, and where asking for six months of rent up front is no longer fit for the post-RRA market.
From May 2026, the Renters' Rights Act caps the rent a landlord may take in advance on assured periodic tenancies in England at one month after the tenancy is signed. The historic backstop, six months up front for anyone who could not meet a reference, only survives for common-law tenancies, typically those with rents above £100,000 a year.
That removes the lever the market quietly relied on for self-employed renters, students, international arrivals and anyone with a thin UK credit footprint.
Referencing answers a narrow question: does this person look like a low-risk default at the point of moving in? It does not answer the wider question agents and operators are actually trying to answer, which is whether a particular let is a good let.
The fallbacks, family guarantor or upfront cash, exclude most of the people the rental market depends on, and they create awkward conversations at the precise moment everyone wants the let to land cleanly.
opndoor is the named professional guarantor on the tenancy. We assess applications against a published framework: salary, savings, student route, joint affordability, wider credit footprint. We document cover for an initial twelve-month period, file it alongside the lease pack, and send a copy to the tenant.
We are not a referencing replacement and we do not offer a way to bypass landlord checks. We are the thing that can sit next to referencing for the cases where referencing alone says maybe.
Three commitments we publish so the market can hold us to them. These shape how the product is priced, what we write down, and what we refuse to ship.
Our eligibility routes for income, savings, students and credit are written down and shared with agents, operators and tenants in advance. Fewer wasted applications, fewer ambiguous outcomes.
The tenant pays one month's rent on approval, plus a £20 eligibility fee at application. Letting agents and operators do not pay an opndoor subscription or per-unit fee under standard terms. Our incentives sit with good lets, not headcount.
opndoor is named as professional guarantor for an initial twelve months from move-in. Documents are issued direct to the agent or operator and to the tenant. Renewal options are agreed in writing, never auto-billed.
The eligibility criteria for each route live on the site, in plain English, before anyone applies.
Salary, savings, student route, joint affordability and credit history. Where one signal is thin, others can carry the weight.
On approval, guarantor cover for the initial twelve-month period is issued to the agent or operator and to the tenant.
We sit next to referencing and any deposit alternative the property already uses. We do not need to replace what is working.
One fee on approval, twelve months of cover, renewal agreed in writing. No subscription, no monthly debit, no surprise charges.
We do not offer to skip a reference. Where a property already uses a referencing partner, our cover sits on top of that decision.
Letting agents and BTR or PBSA operators do not pay opndoor under standard terms. Portfolio contracts are a separate, opt-in conversation.
If the property type, the tenancy or the tenant sits outside the framework, we say so up front rather than collecting an application for a no.
opndoor trades as OPNDOOR SERVICES LTD, a private company limited by shares incorporated in England and Wales. Our registered office is in central London and we serve residential tenancies across the United Kingdom.
opndoor is the named professional guarantor on each tenancy. We are a UK services company; we are not an insurer and we are not regulated by the Financial Conduct Authority. opndoor maintains its own indemnity arrangements with a third-party insurer to support its commitments under the guarantee — opndoor is the insured; tenants and landlords do not buy insurance from us.
Cover is issued for an initial twelve-month period from move-in and is filed alongside the lease pack. Eligibility decisions are recorded against a published framework. Read the framework, or request our partner pack.
For partner and operator conversations, book a working session through the contact page. For tenant queries, the tenant page covers most of it. Press and regulatory enquiries via the same address, marked clearly.