How to protect your deposit as a renter

Renting a home can be expensive, so the last thing you want is to lose part, or all, of your deposit when you move out.

The good news is that with the right knowledge, attitude and a bit of preparation, you can reduce the risk of disputes and improve your chances of getting your full deposit back.

Why might a landlord keep your deposit?

Your landlord is allowed to make deductions from your deposit in certain situations, including:

• damage to the property beyond normal wear and tear
• unpaid rent
• missing or damaged items that belong to the landlord
• decorative changes made without permission
• failure to maintain outdoor spaces, if required by your tenancy agreement

Understanding these reasons can help you avoid common pitfalls.

How to protect your deposit

Read your tenancy agreement carefully

Your tenancy agreement sets out your responsibilities as a tenant. From paying rent on time to maintaining the property, make sure you understand what’s expected of you.

Check your deposit is protected

If you’re renting under an assured shorthold tenancy that started after 6 April 2007, your landlord must place your deposit in a government-approved tenancy deposit scheme, including:

• Deposit Protection Service
• MyDeposits 
• Tenancy Deposit Scheme 

Ask your landlord for confirmation and keep a record. You can also check directly with these schemes.

Review and record the inventory 

When you move in, carefully check the inventory report. Take photos of the property and report any existing damage straight away. This helps prevent you from being held responsible later.

Understand ‘fair wear and tear’ 

Landlords cannot charge you for normal wear and tear, such as carpets becoming slightly worn over time. However, excessive damage is your responsibility.

Report repairs early 

If something breaks or becomes damaged, inform your landlord as soon as possible. Prompt reporting can prevent issues from worsening and reduce the risk of deductions.

Keep up with rent payments 

Any unpaid rent at the end of your tenancy can be deducted from your deposit. If you’re struggling, let your landlord know as soon as possible.

Look after the property 

Simple habits like keeping the property clean, warm, and well-ventilated can prevent issues such as mould or condensation, which could otherwise lead to disputes.

What help is available for renters?

If you're struggling with the cost of rent, there is support available:

Universal credit

If you’re of working age, universal credit (UC) may include extra money to help with rent and service charges. This housing element is usually included in your monthly UC payment and paid directly to your landlord.

You can also apply for additional support from your UC if you're dealing with financial hardship.

Housing benefit

If you’re over state pension age, you might qualify for housing benefit through your local council. Some people under pension age may also be eligible, particularly if they live in supported or temporary housing.

The amount you receive depends on:

• your age
• where you live
• the size of your household

Discretionary housing payment (DHP)

If your rent is already partly covered by UC or housing benefit, you may be able to get a discretionary housing payment (DHP). These are short-term payments designed to help with rent or other housing costs.

You can apply for a DHP through your local council.

Charity grants

Organisations like Turn2us can help you find and apply for grants and other financial support from charities and local community groups.

Are you struggling to pay your rent?

If you’re finding it hard to keep up with your rent, here are some steps you can take:

Use our benefits calculator to make sure you’re getting all the support you’re entitled to.

Use our budget calculator to identify where possible savings can be made and free up cash to put towards vital expenses.

We’ve also put together some useful money saving tips for people living in rented accommodation.