Renting as a Student: Everything You Need to Know
Whether you're heading to university for the first time or returning for another academic year, finding the right place to live is crucial. Renting as a student in the UK can be a big step toward independence—but it comes with its own set of challenges. From understanding your tenancy agreement to budgeting and choosing the right location, here’s everything you need to know to rent smartly and securely.
1. Understand Your Renting Options
Students in the UK typically have a few options when it comes to accommodation:
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University Halls of Residence: Ideal for first-year students, these are often close to campus and fully managed by the university.
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Private Student Halls: These are purpose-built blocks with modern facilities but can come at a premium price.
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Private Rentals: Shared houses or flats with friends or strangers. More independence, but also more responsibility.
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Build-to-Rent Apartments: Increasingly popular for students who prefer style, privacy and amenities. Essential Living’s apartments offer flexible contracts and all-inclusive bills—perfect for student life.
2. Budgeting for Student Rent
| Expense | Cost Range | Key Details | Source |
|---|---|---|---|
| Accommodation | £800–£1,500 | - On-campus: £930–£1,200 - Private sector: £1,054–£1,500 - Shared housing: £540–£800 | imperial.ac.uk |
| Food & Groceries | £200–£480 | - Essentials: £40–£80/week - Eating out included in higher estimates | savethestudent.org |
| Transport | £65–£186 | - Monthly Travelcard (zones 1–2): £115–£186 - Cycling/walking reduces costs | tfl.gov.uk |
| Utilities | £76–£326 | - Bills included in many student accommodations - Private rentals: £40–£90/week | studentbeans.com |
| Entertainment/Leisure | £50–£100 | - Pubs, events, and hobbies - Gym memberships: £74/month in premium areas | savethestudent.org |
| Miscellaneous | £100–£200 | - Course materials, phone bills, clothing | studentsunionucl.org |
Total Monthly Estimates
| Budget Tier | Cost Range | Key Details | Source |
|---|---|---|---|
| Lower range | £1,315–£1,500 | Budget-conscious, shared housing, limited leisure | imperial.ac.uk |
| Standard average | £2,200–£2,500 | Private accommodation, moderate lifestyle | savethestudent.org |
| Upper range | Over £2,500 | Central London flats, frequent dining/entertainment | thecompleteuniversityguide.co.uk |
Budget-Saving Tips
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Rentals: Prioritise university-managed housing or house shares. For example, Unite Students offers all-inclusive rents with no deposits required, which can help manage costs effectively.
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Food: Cook meals in bulk and shop at budget supermarkets like Lidl or Aldi. For smart shopping tips, check resources from the University of London Students' Union, This is Fresh, and Goldsmiths University.
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Transport: Use an 18+ Student Oyster card for 30% off travel. This card offers big savings on Travelcards and Bus & Tram Pass season tickets. Learn more via Transport for London, Imperial College London, and UCL.
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Bills: Opt for all-inclusive rents to avoid variable utility costs. Many student accommodations, such as those offered by Unite Students and Uhomes, include Wi-Fi and bills in the rent, simplifying your monthly outgoings.
3. Choosing the Right Location
Finding the right location is just as important as the property itself. You’ll want somewhere that balances affordability, safety, and easy access to your university or college campus.
Some of the most popular student-friendly areas in London include:
- Camden – Trendy, well-connected, and near UCL.
- Stratford – Home to Westfield, great transport via the Jubilee and Central lines.
- Islington – Vibrant with loads of cafés, ideal for students at City, University of London.
- Greenwich – Great for University of Greenwich and Ravensbourne University students.
- Ealing – Quieter zone 3 area with excellent tube and rail access.
- Bethnal Green – Affordable, well-connected via the Central Line, and popular with Queen Mary and UCL students for its East London vibe.
- Maidenhead – A smart option for students studying in Reading or West London, with new Elizabeth Line (Crossrail) links making it easy to access central London universities while enjoying suburban value.
4. Know Your Rights as a Student Tenant
Student renters have rights under UK law, including:
- Protection from unfair eviction
- Safe and habitable living conditions
- Deposit protection in a government-backed scheme
- The right to challenge excessively high charges
Ensure your landlord provides a Tenancy Agreement, an Energy Performance Certificate (EPC), and protects your deposit within 30 days.
5. What to Look for in a Student Rental
Here’s a checklist to help you view properties wisely:
- Heating and insulation
- Secure locks and entry system
- Damp or mould issues
- Adequate Wi-Fi speed
- Appliances in working condition
- Good lighting and storage
Ask existing tenants or read reviews online. Always view the property in person or through a virtual tour.
Check Area Safety
Use official tools like Met Police Crime Mapping to research safety levels in different postcodes before committing.
6. Consider Renting with Friends
Living with friends can be fun and economical, but be sure to:
- Agree on house rules early (cleaning rota, bill splitting)
- Discuss contract terms—most students are on joint tenancy agreements
- Have a backup plan in case someone drops out mid-year
7. The Benefits of Build-to-Rent for Students
Build-to-Rent (BTR) apartments offer an alternative for students seeking more flexibility, style and services. These professionally managed homes often include:
- On-site maintenance
- WIFI and onsite Ammenities included such as Gyms, Yoga rooms and games rooms
- Gyms, communal lounges, and rooftop gardens
- Short-term or flexible leases
Explore Essential Living’s Build-to-Rent apartments—perfect for students looking for more than just a room.
Common Challenges
Students often face these issues when renting in London:
- High Costs: Rent prices can be steep; budgeting is essential.
- Limited Space: Many properties have small rooms or shared facilities.
- Unresponsive Landlords: Ensure landlords are reputable before signing contracts.
Deposit Disputes: Take photos and complete an inventory upon moving in to avoid issues later.
Tips for Securing Accommodation
- Start your search early but note that many private rentals are advertised only 1–2 months before availability.
- Assemble housemates before searching if opting for shared housing.
- Ask critical questions about broadband speeds, included bills, contract terms, and deposit requirements.
- Check transport links to minimise commuting costs.
Final Thoughts
Renting as a student doesn’t have to be stressful. With a bit of research and preparation, you can find a place that suits your lifestyle and budget. Whether you're sharing a student house or moving into a chic, fully furnished BTR apartment, knowing your rights and responsibilities is the key to a great renting experience.
If you're preparing to relocate, our Complete Guide to Moving to London includes even more helpful advice on budgeting, boroughs to live in, and settling into city life.
FAQs: Renting as a Student in the London
Can I rent as a student without a job?
Yes, but you’ll need to prove you can afford the rent—either through savings, loans, or a guarantor.
Is student rent cheaper than regular rent?
Not always. Purpose-built student accommodation is often more expensive. However, shared houses or build-to-rent options may offer better value with all-inclusive deals.
What happens if a housemate moves out early?
In a joint tenancy, all tenants are equally responsible. You may need to cover their share or find a replacement.
What type of tenancy agreement do students usually get?
Most students rent under an Assured Shorthold Tenancy (AST), which is the standard type of rental contract in the UK. You’ll either have an individual tenancy (just for your room) or a joint tenancy (shared with housemates). ASTs typically last 6–12 months, with clearly defined terms for rent, notice period and responsibilities.
Do students need a guarantor to rent?
Yes, in most cases. Landlords and letting agents will ask for a UK-based guarantor—usually a parent or guardian—who agrees to cover rent if you fall behind.
If you don’t have one, you may be asked to pay 6–12 months' rent upfront, or you can use a guarantor service like Housing Hand or Your Guarantor.
Can I rent as a student without a job?
Yes. Being a full-time student without employment doesn’t prevent you from renting. However, you must prove your ability to pay rent—typically through a **student loan
