How to get your full tenancy deposit back
Ready to pack up your stuff and leave your student house? We have all the info you need to take your full tenancy deposit with you...
As anyone who's ever rented a property will know, paying a hefty housing deposit when you move into a new place is never fun. But what's even worse is not getting it all back when you move out.
Our National Student Accommodation Survey found that the average rental deposit stands at £281, with 10% of students struggling to get this money back at the end of their tenancies.
With this in mind, we've put together our top tips to help make sure you do get your full deposit back. Sadly, it will involve you having to put in a bit of leg work – but it's definitely worth it for that extra boost to your summer spending money.
Tips on getting your deposit back
Follow these steps to increase your chances of getting your deposit back at the end of your tenancy:
Take pictures of everything in the house
Taking photos when you leave will make sure you've got a visual record of how you left your house. But, it's even more important to take pictures when you move in too.
This way, if the landlord claims that a big stain on the living room carpet was caused by you and your flatmates, but you know it was already there when you moved in, you'll have the photographic evidence to prove it.
The same applies to damp, cracks and all other student accommodation woes.
If you're lucky, your landlord or estate agent may choose to employ a third party inventory company to record the condition of the house and its contents when you move in and out (more on this in a second...).
These companies are entirely impartial, so if you're lucky enough to have them conduct your check-in and check-out, it's less likely that you'll need to rely on your photos when you move out.
Ask for an inventory
Your landlord should hold a checklist of everything that's already in the property when you move in. This is called an 'inventory', and is used to make sure that no tenant steals any items or furniture that don't belong to them.
Not all landlords will offer tenants a copy of the inventory when they move in – and if they don't, ask for one. The inventory is arguably the single biggest factor in getting your deposit back, because it's an official record of the state and contents of the property before you lived there.
The key is to have a close look at the inventory when you move in. Make sure all tenants are aware of what belongs to the landlord and take extra care of those items so there's nothing to complain about on moving day!
Again, your landlord or estate agent may employ a third party inventory company to compile the inventory when you're moving in and out.
While these people are impartial (they won't take sides in an argument, they'll just call it how they see it), you are able to challenge the inventory if you think a mistake has been made – particularly with terms like "fair wear and tear", which are subject to interpretation.
Carefully check the tenancy agreement
It might sound like one of those annoying things you're always told to read but never actually do (like any terms and conditions section ever), but your tenancy agreement is something you do actually need to read – no matter how dull it is.
The terms of a contract differ vastly from one landlord or estate agency to the next. The last thing you want is to get stung on something that can be avoided just by reading the contract before you sign it.
Make sure you read this list of important things to check in your tenancy agreement, and find out if your university or students' union offer a free contract checking service to help you out.
Some contracts might state, for example, that you need to give two months' notice before you move out. Or, it might even ask you to hire a professional cleaner before the check-out inspection.
Sometimes, landlords may also let you decorate your room – but again, you must check the tenancy agreement before cracking on.
It's worth knowing these terms before you sign your tenancy contract, in case you need to negotiate any of the terms before moving in.
Make sure your deposit is legally protected
Since April 2007, all private landlords are legally obliged to pass your deposit onto a government-licensed organisation. This ensures that the money you pay as a deposit remains a deposit, and that landlords can't unfairly withhold your deposit when you move out.
When you're signing the contracts for the house, it's important that you ask your landlord or estate agent for proof that your deposit is safely protected by one of the government's deposit schemes (check here for more details).
If you want to be extra sure, you can even send them a letter requesting official proof.
You can also check whether your landlord has submitted your deposit or not by contacting the deposit scheme sites directly, armed with your postcode, tenancy start date and deposit amount. Use the links below to find the deposit protection schemes in your part of the UK.
Deposit protection schemes
Consider replacing anything you break
Accidents happen. And let's face it, who can really get through an entire academic year without dropping a plate or destroying a shower curtain?
That said, all these things cost money – and they cost a lot more money if you leave it to the landlord to deduct it from your deposit. Suddenly shower curtains cost £15 to replace, and you're having to pay for a full set of water glasses when you only broke two. Chancers...
With that in mind, if you're responsible for the damage you should think about replacing these things yourself at a much more reasonable price. If you (and your housemates) aren't responsible for the damage, then don't pay to replace it yourself – that's the landlord's job.
Equally, if it's something you can't replace yourself (be it too expensive or too big a job, for example), flag it with your landlord as soon as possible – don't leave it until the day you move out.
Make sure you pay off all of your bills
Paying off all your bills in full is important for three reasons.
First off, it should help you avoid being overcharged by bill companies – and remember that when you move out, you should get in touch with them and let them know when your tenancy agreement expires (unfortunately you're responsible for paying the bills until then, even if you move out beforehand).
Secondly, paying off your bills in full is a big step towards getting your deposit back. As the owner of the property, the landlord will be the one footing the bill should you fail to pay – and if it comes to that, they'll take the money from your deposit.
So ask for proof of payment when you pay a bill, as this will act as solid evidence if your landlord claims that there are still unpaid debts.
Plus, keeping on top of your bills will also ensure your credit rating isn't negatively affected.
Invite your landlord over
If you're due to have an inspection on the day you leave, add it to your moving house checklist to invite the landlord over a week or so beforehand to check if there's anything they're not happy with. This way you can put it right in advance and ensure that you get your deposit back in full.
Most landlords will actually appreciate you taking the initiative to make sure you're leaving their property in good nick, and would rather this than resorting to charging you.
If they agree that the house looks good on the day, then you have a great case to get all of your deposit back.
Having them over in advance will also allow you to argue your case in person if they pick out any issues that you believe were already there when your tenancy started – time to dig out the pictures that were taken when you moved in!
Coordinate moving dates
If you're living in a shared house, it's always a good idea to try and coordinate your moving out dates with your flatmates. There's likely to be only one check-out inspection and you'll all face fines if something isn't up to scratch.
Leaving en masse means you'll be able to split the workload fairly between you, and you can make sure you're all happy with the standard you're leaving the property in. There's nothing more annoying than one tenant bunking off early and leaving all the cleaning to everyone else.
You can also then attend any checkout inspections together too, meaning you'll all get the chance to air your views on any problems that may arise.
Clean the house thoroughly
Cleaning the house before you leave might sound like common sense, but it's often easy to overlook it because you've become accustomed to the way the house is – warts and all.
You might have gotten used to the small ecosystem growing in your fridge, but your landlord won't take too kindly to it – and this kind of thing will inevitably stop you getting some of your deposit back.
A full year of student life can take its toll on a house. While general wear and tear is understandable, you need to make sure the landlord doesn't come back to a really gross student house.
As the end of the university year approaches, it's best to start your cleaning early to minimise the work required on moving day, and to make sure everything is just how it was when you moved in.
Check out our guide to cheap homemade cleaning products and, for less than a fiver, you could get everything you need to have the place sparkling again.
Or, if you'd prefer to buy cleaning products instead of making them, you could try these great eco-friendly options.
Lock up the house
This is something you should already be doing to keep your house safe from burglars, but when you leave for the final time, double, triple, quadruple check that everything is locked up and secure.
There's a chance that the property might sit vacant over the summer months if it's usually a student house, and it would be a nightmare to find that the property was damaged after you left because you didn't lock up properly.
Student houses also tend to come with multiple sets of key sets, so make sure everyone is responsible for returning their own (some agencies charge hefty fees if you fail to return them).
Check the state of the house again
When you feel that the house is clean and tidy, and that the furniture is all in one piece, get together with your flatmates and have a good old nosey around together.
The more of you there are to have a look around, the higher the chances that you'll spot something your landlord might pick up on. It's better to make sure everything is as it should be, than have to fork out a wad of cash because you've torn off some wall paint with blu tac.
If you have a checklist or inventory from the start of the year, go through it together step-by-step to make sure you haven't missed anything. It might take a bit of time, but it's definitely worth it if it means getting your deposit back.
Throw out any rubbish
It's easy to accumulate a lot of junk over the year, but whatever you do, make sure you clear out everything from the house before you leave.
This includes throwing out leftover food from the fridge and clearing out all your frozen food. If you think your landlord might fancy the last of your fish fingers, you're wrong.
On top of this, if your flat has a prepaid electricity metre, the power will probably cut out once you've vacated the property and stopped topping it up, meaning any food left in the fridge or freezer will rot – pretty grim.
You should also use your weekly rubbish and recycling collections as an opportunity to get rid of anything you're not taking with you. Landlords or estate agents are likely to charge you for anything they end up having to dispose of themselves, and that means you wouldn't be getting your full deposit back.
Don't worry if you've missed the bin-collection day for your street – local authorities always have a recycling and refuse centre where you can go to throw away your unwanted stuff.
Know your rights as a tenant
Most importantly of all, make sure you know your rights as a tenant so you can challenge anything which is against the law.
Once you move out, you should receive a letter or email declaring any proposed deductions from your deposit (if any) and the reasons for each one.
What can your landlord deduct from your deposit?
Legally, landlords are allowed to make deductions from your deposit to cover reasonable expenses, including:
- Any unpaid rent
- Cleaning or gardening costs, if the condition isn't similar to what it was when you moved in
- Repairing any damage beyond normal wear and tear*
- Replacing items from the inventory that are now missing*
- Reverting any changes made to the property without the landlord's permission (e.g. redecorating).
* In both cases, the landlord cannot charge you for replacing/repairing an item to a higher specification than before (e.g. replacing a £10 kettle with a £200 one).
Crucially, landlords must discuss an issue with you first before making a deduction. In these cases, whichever organisation is holding your deposit will keep your money until all disputes are settled.
A decision will be made based on the information and evidence submitted by both the tenant and the landlord. The decision of the tenancy deposit company is final, and they'll also be responsible for deciding how much money will be deducted from the deposit.
It really is worth challenging any proposed deductions from your deposit, even if the check was carried out by an independent third party.
When I moved out of an old flat, the check-out report stated that there was no longer a bin in the bathroom, and that as there was one when we moved in, we'd have to pay to replace it.
I immediately contacted the agent and pointed out that the bin was still there, and was visible in the corner of one of the pictures included in the report.
The agent then corrected the report and we got our deposit back in full.
Tom Allingham, Editor at Save the Student
How long does your landlord have to return your deposit?
Usually, your deposit should be returned within 10 days of your tenancy agreement expiring. However, if there any disputes regarding deductions from the deposit, this process may take a little longer.
Either way, as long as your deposit is in a protection scheme, you can be relatively confident of getting it back before too long, and with only reasonable deductions taken off.
Remember that storing your deposit in a protection scheme is the law, so if your landlord or estate agent has failed to do so, report them – chances are, they'll be forced to pay your deposit back in full, and you could even be due some compensation.
Check out what is possibly the most disgusting student house ever – it's difficult to see how the tenants could have made it any worse and lost their deposit!