First‑time renting guide: everything you need to know

Renting your first home is an exciting step, but it can also feel overwhelming if you’re not sure what to expect, especially if you are a first time renter. This guide explains the renting process from start to finish, helping you feel informed, prepared and confident at every stage. If you are renting your first home and want to know how renting works, then this guide will give you the basics.

If you would like some advice or to have a chat with one of our specialists then call or pop into your local branch.

You can also check out the government's How To Rent guide.

Don't rush into letting, do your homework, know your budget, the area you want and your requirements and ensure the landlord or agent has a good reputation.
 

Getting started

Before you begin your search, take some time to plan.

Set your budget

Work out what you can comfortably afford each month. Remember to include:

  • Rent
  • Utility bills (gas, electricity, water)
  • Council tax
  • TV licence, internet and any parking costs

It’s a good idea to allow some buffer for unexpected expenses.

Decide where to live

Think about what matters most to you, such as:

  • Commute time
  • Transport links
  • Local shops and amenities
  • Outdoor space or parking

Having a clear idea of location will help narrow your search.

How to find your first rental home

Research

Use letting agents’ websites, property portals and alerts to see what’s available. Speaking to friends or colleagues who rent locally can also provide useful insights.

Speak to a letting agent

Letting agents can help you understand the local market, register your details and notify you of suitable properties. Be open about your budget, timescales and requirements. Most people will rent through a letting agent. You can view our properties to rent here

What to look for when viewing a rental property

Viewing a property is your chance to decide whether it feels right. When viewing, you may want to:

  • Check water pressure and heating
  • Look at the condition of kitchens and bathrooms
  • Confirm which appliances are included
  • Ask about average utility costs
  • If the property is currently occupied, make sure you understand what belongs to the existing tenants.

Know how the property is managed

A number of landlords will leave the day to day management to the estate agent so they will deal with any maintenance issues on your behalf. Other landlords will manage the property themselves. It's good to know how your property is managed so you're aware of who to contact if there's a problem. 

Making an application

Once you find a property you like and you would like to apply, you'll usually need to:

  • Complete an application form
  • Provide photo ID and proof of address
  • Agree to referencing checks
  • Any payments required will be explained clearly and must comply with current regulations.

Referencing and tenancy agreement

Referencing

Referencing helps confirm your identity and ability to afford the rent. This may include employment, income or previous landlord checks.

Tenancy agreement

Before you move in, you will receive a tenancy agreement outlining:

  • Rent amount and payment frequency
  • Your responsibilities as a tenant
  • The landlord’s responsibilities
  • How notice works

Take time to read this carefully and ask questions if anything is unclear.

Deposits and paperwork

A security deposit is usually required. This is protected in an approved scheme and held as security against rent arrears or damage beyond fair wear and tear. Paperwork is often completed digitally for ease and convenience.

Moving in

When your tenancy begins, you should receive:

  • Keys to the property
  • Safety certificates and required documents
  • Details on how to report repairs or emergencies

It’s a good idea to take meter readings and familiarise yourself with appliances straight away.

Living in your rented home

Your responsibilities

As a tenant, you’re expected to:

  • Pay rent on time
  • Look after the property
  • Report repairs or issues promptly
  • Respect neighbours and the local area

The landlord’s responsibilities

Your landlord is responsible for:

  • Keeping the property safe and compliant
  • Maintaining heating, hot water and structure
  • Carrying out necessary repairs
  • If the property is managed, the letting agent will usually handle this on their behalf.

Rent and changes

Any changes to rent or tenancy terms will:

  • Follow current regulations
  • Include appropriate notice
  • Be communicated clearly

You have the right to ask questions and seek advice if you are unsure. You can view Tenant Permitted charges here.

Giving notice and moving out

If you decide to leave:

  • Give notice in writing
  • Follow the notice period set out in your agreement

Before moving out:

  • Clean the property
  • Remove your belongings
  • Leave it in good condition, allowing for fair wear and tear

Your deposit will be returned once everything is agreed, minus any justified deductions.

Final advice

Renting is about more than finding a property, it’s about finding a place you can feel comfortable calling home.

Ask questions, take your time where possible, and don’t be afraid to seek advice. A good letting agent or landlord will be happy to help. If you need support at any stage, our team is always here to help you.

If you’d like to see what’s currently available with us, explore our properties to rent.