Finding somewhere to live is one of the first and hardest tasks after relocating. Landlords and letting agents in the UK, US, Canada and Europe often ask for credit checks, local references, proof of income and guarantors. As a newcomer, you may have none of these yet.
Here’s how to secure your first home abroad without a credit history.
Why Landlords Ask for Credit History
Landlords want reassurance that you’ll pay rent on time and look after the property. A credit report shows how you’ve handled bills and debt locally. Without one, they see you as an unknown risk. Your task is to provide other evidence of reliability.
1. Start With Temporary Accommodation
Many new arrivals begin with short-term options:
- Serviced apartments or short-let rentals
- Rooms in shared houses
- Staying with friends or relatives briefly
- Employer or university housing
This gives you time to open a bank account, start work and gather documents before committing to a long lease. Avoid signing a year-long lease for a property you’ve never seen.
2. Show Strong Proof of Income
An employment contract or offer letter stating your salary can reassure landlords. Add recent payslips as soon as you receive them. If you’re self-employed or a student, show bank statements, scholarship letters or sponsor letters.
3. Offer Rent in Advance
Some landlords accept several months’ rent upfront instead of a credit check. This can work, but only pay upfront to verified landlords or agents, with a signed tenancy agreement and receipts. Never pay large sums before viewing the property and checking ownership. Some places also limit how much can be requested in advance, so check local rules.
4. Use a Guarantor or Guarantor Service
A guarantor agrees to pay if you can’t. Landlords usually want a guarantor who lives locally and has good credit. If you don’t know anyone suitable, some companies offer paid guarantor services for newcomers and international students.
5. Get References
Provide:
- A reference from your employer confirming your role and salary
- A previous landlord reference, even from Nigeria
- A character reference from a professional contact
A clear reference from your Nigerian landlord showing you paid rent on time can still help.
6. Look for Newcomer-Friendly Landlords
Some landlords and agencies specialise in international tenants, especially near universities, hospitals and large employers. Private landlords may be more flexible than large agencies. Community groups, churches and diaspora networks can also point you to trusted landlords.
7. Understand Your Tenancy Agreement
Before signing, read the agreement carefully. Check:
- Rent amount and payment date
- Length of the tenancy and notice periods
- Deposit amount and how it’s protected
- Who pays which bills
- Rules about repairs, guests and pets
In England, landlords are expected to give tenants the government’s How to Rent guide, which explains tenant rights and responsibilities. Renting law in England has also been changing, so read the latest version.
8. Start Building Credit Immediately
Once you have a local bank account, start building credit. Pay bills on time, register to vote where eligible, and consider a newcomer credit card used responsibly. In a year, your next rental search will be easier.
9. Budget for Upfront Costs
Moving in often requires the first month’s rent, a security deposit, possibly holding fees, furniture and utility set-up costs. Plan for this before you arrive.
Red Flags to Watch For
- Landlords who won’t let you view the property
- Requests for payment via gift cards, crypto or cash only
- Prices far below the local average
- Pressure to pay immediately
Keep Records From Day One
Once you move in, keep copies of your tenancy agreement, rent receipts, deposit protection details and inventory photos. These records protect you in disputes and can serve as proof of address and rental history for future applications.
Final Thoughts
Renting without credit history is challenging but very possible. Start with flexible accommodation, show strong income evidence, use references and guarantors, and protect yourself from scams. Within a year, you’ll have the history you need to rent with far less stress.