Frugals Is Launching Soon
Get a
UK Guarantor
Build
Your Credit
Renting in the UK can be tough if you don’t have a guarantor or credit history. Frugals helps you move in without paying months upfront, and reports your rent to help improve your credit score.
What is Frugals?
At launch, we’ll offer:
✔ Rent Guarantor Services
Get approved for a home without a UK-based guarantor.
✔ Rent Reporting
Report your rent to Experian, Equifax, and TransUnion to build your credit score
- Over 50% of UK landlords require a guarantor or rent in advance
- 36% ask for 6–12 months upfront without one
- Poor credit or low income can block housing access for UK residents
- Visa applicants must already prove financial stability
Why Reporting Your Rent Matters
Your rent should work for you, not just your landlord. Frugals reports your rent payments to Experian, Equifax, and TransUnion to help you build your credit history.
66% of immigrants in the UK face delays getting credit due to no UK credit history (Nova, 2023).But many long-time residents still face the same issue when rent isn’t reported.
- Poor credit or low income can block housing access for UK residents
- In some case poor credit could cost immigrants over £256,630 in additional interest payment in their lifetime
Reporting your rent helps you build credit from payments you're already making.
Benefits:
- Improve your score while paying for your home
- Boost your chances of getting approved for credit cards, loans and mortgages
- Save money over time with lower interest rates on borrowing
Why Sign Up?
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Built by Immigrants for Immigrants
We’ve lived the experience, struggling to rent, fighting credit barriers, and navigating UK systems that weren’t built for us. So we built Frugals to make renting and credit-building easier. Join the waitlist and be part of a better way to rent.
Know Someone Moving to the UK?
Frugals might not be for you, but it could help someone you care about.Share this page with a friend or family member who needs to rent in the UK without paying thousands upfront.
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