A guarantor that says yes when others won't.
Husmus stands as your rent guarantor, so you can secure the home without leaning on family or friends. Approved in 24 hours — whatever your income looks like.
See what you save
A cash deposit locks away weeks of rent for years. Company guarantors can cost a fortune. Husmus keeps your money in your account.
Two ways to unlock your dream home
Both protect your landlord during the tenancy. Our Guarantor level protects you too.
Deposit-free renting, without the risk
Replaces your deposit while giving your landlord real protection. Unlike a traditional deposit, claims can be resolved during the tenancy — not saved up for a stressful dispute at move-out.
A rent guarantor, without asking family or friends
Gives your landlord the security of a full rent guarantor, backed by insurance. If you fall behind through genuine hardship, they're covered and you get breathing room — no eviction pressure while we work it out.
Approved and covered in three steps
From profile to proof of cover — most renters are done in a day.
Build your Husmus profile
It takes under 10 minutes. We look at your real income and affordability through Open Banking, verify your ID, and assess you as an individual — not a rigid credit & debt position. Fairer for every income type.
Choose your cover & see your price
Pick the Guarantor to replace a personal guarantor entirely, or the Deposit to rent deposit-free. Add pet damage cover if you need it. Your price is tailored to your rent and cover requirements — no jargon, no hidden fees.
Choose the cover that unlocks your tenancy.
Share your proof of cover
Once you're covered, share a live, verified profile that shows landlords exactly what they're protected against. We make it easy for them to say 'yes'.
Verified profileBuilt for all renters, even those others turn away
We look at the whole picture, not a single credit score — so more good renters get a yes.
Working professionals
New job, big move or renting solo? Get approved without a guarantor.
Self-employed & freelance
We assess income presence and stability — not just a job title.
On benefits or a pension
Universal Credit, benefits and pension income all count, fully and fairly.
New to the UK from the EU?
No UK credit history or local guarantor? No problem — we've got you.
Building or repairing credit
A thin or bruised credit file doesn't tell your whole story. We look deeper.
Final-year & postgrad students
Later-stage and postgraduate students welcome. (Not first- or second-years yet.)
Hit a rough patch? We've genuinely got you.
If you fall into genuine hardship and can't pay, Husmus pays your landlord directly and gives you up to two months to get back on your feet — debt-free, with no eviction proceedings while we work it out together.
To be straight with you: this is real insurance for when life knocks you back — not a way to skip rent. If you simply choose not to pay, you won't be covered.
Inclusive by design
We're built for everyone including the people traditional referencing routinely turns away.
Real insurance, not a loan
FCA-regulated cover underwritten by A-rated insurers — with genuine hardship handled debt-free.
The pet-friendly edge
Optional pet damage protection makes it an easy 'yes' to welcome your furry friend.
Homes unlocked, in their words
"I moved to London for work with no UK credit history. Every agent wanted a UK guarantor I didn't have. Husmus approved me in a day — I had the keys that week."
"As a freelancer my income is 'complicated' on paper. Husmus actually looked at my bank statements and saw I've always paid rent. Finally, a fair yes."
"I didn't want to lock £1,800 into a deposit for a year. Deposit-free with Husmus meant my savings stayed mine, and my landlord got better protection anyway."
Rent with confidence — no guarantor, no deposit.
Build your profile, get approved in 24 hours, and show landlords your rent is covered.