Five things to check before signing a student tenancy

Summer isn’t just for holidays; it’s peak moving season for students. So, if your child or grandchild is heading into a new rental, now’s the time to get up to speed on what’s changed and how to help them stay protected. The big shift comes from the Renters’ Rights reforms. They’ve changed how tenancies work across England. And while they’re designed to give tenants more stability, students (who tend to move more frequently) may feel the impact differently.

What’s changed with the Renters’ Rights reforms?

Since 1 May 2026, most private tenants now have an assured tenancy, replacing the old, assured shorthold tenancy (AST). Here’s what matters in practice:

• No more ‘no-fault’ evictions: Landlords need a valid reason to evict (using a Section 8 notice), and it must go through the courts.

• Rolling tenancies: Fixed terms are out. Agreements now continue month-to-month.

• More flexibility for tenants: Students can leave with two months’ notice (unless agreed otherwise in writing).

• Rent rules tightened: Increases are limited to once a year with proper notice and can be challenged.

• Upfront costs capped: Landlords can’t demand more than one month’s rent upfront.

• Fairer access: Discrimination based on benefits or family status is banned.

For renters, these things sound positive, and lots of it is. But there’s a catch for students. Because landlords can no longer guarantee fixed academic-year contracts, some may shift start dates earlier (e.g. June instead of September), or increase rent to offset potential empty periods. That makes it even more important to go in with your eyes open.

Five things to check before you sign (or move in)

1. Watch out for illegal fees

Most letting fees are now illegal. That includes admin, referencing, and deposit protection charges. If they’re asked to pay for these, it’s a red flag.

2. Stay one step ahead of scams

Rental fraud is a real risk for students. If a deal looks too good to be true, it probably is. Encourage them to:

• View properties in person (or via a trusted contact).

• Avoid paying deposits before contracts are signed.

• Check with the university for approved landlords.

If they go via a direct landlord, a quick sense-check is worth its weight in gold. A reputable letting agents can offer reassurance in this regard.

3. Check the deposit is protected

Deposits must be held in a government-backed scheme. It’s what ensures they – or you – will get their money back (as long as there’s no damage or unpaid rent). In shared houses, make sure everyone understands how joint deposits work because one person’s mistake can affect the whole group.

4. Don’t settle for subpar conditions

Landlords are legally responsible for keeping homes safe and in good repair. That includes:

• Annual gas safety checks

• Smoke alarms on each floor

• Prompt repairs when issues are reported

If they’re sharing with others, the property is likely an HMO (House in Multiple Occupation), which comes with extra safety rules. Local councils and student unions can help if standards slip.

5. Understand notice periods (especially in shared houses)

Yes, students can now leave with two months’ notice. But in a joint tenancy, one person giving notice can end the tenancy for everyone. That’s fine if everyone’s on the same page but could get complicated if they’re not. Landlords also have a new route – Ground 4a – to reclaim student properties at the end of the academic year. This must be clearly stated upfront and follows strict notice rules.

Summer at home? Think about cover too

The student calendar doesn’t stop when term ends. Many head home for the summer, pick up part-time work, or need occasional access to a car.

A couple of quick wins:

• Student contents insurance can help protect laptops, phones and other essentials, whether they’re in halls, a shared house or back at home.

• Temporary car insurance can be a flexible way to get behind the wheel for a few weeks or months.

It’s simple peace of mind. And one less thing to worry about while they find their feet.

There’s a lot to take in, but you don’t have to navigate it alone. At Howden, we’re here to help you protect what matters most, whether that’s their belongings at uni or getting them on the road over summer. Because when they’re starting a new chapter, a little backup goes a long way.

Find your local Howden branch and speak to the team to learn more. And while you’re at it, don’t miss your chance to win! We’re giving away £5,000 across the summer in weekly £500 prizes. Just pop into branch or call your local team to find out more or follow us on Facebook and Instagram @howdeninsurancelocaluk.

Sources: Save the Student, NUS, Shelter, House4Students.

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