How to Communicate with Landlords When Renting on Benefits

It can sometimes seem more difficult to find a home to rent if you’re on benefits than it needs to be. Lots of landlords are uncertain about DSS tenants (housing benefit or Universal Credit claimants), and that uncertainty can complicate things a bit. Don’t worry, though; with the right attitude and a little confidence, you can find good landlords and find a place to live.

This blog will make you more confident when speaking to landlords as a DSS tenant. Whether you are still looking or already looking at properties, these tips will demonstrate how to speak clearly and have the best chance of success.

At Find My Move, we recognise the problems faced by tenants, particularly where benefits are concerned. That’s why we are dedicated to providing helpful tips and helping all tenants secure their new home.

What Does DSS Mean?

Let’s get this straight first. DSS is short for Department of Social Security, which used to administer benefit payments in the UK. The term is old-fashioned, but lots of landlords still refer to tenants in receipt of housing assistance, e.g., Universal Credit or Housing Benefit, as “DSS.”

Although there are still some listings that use the phrase “No DSS,” lots of landlords are more accepting. Having an idea how to talk to them can make all the difference.

Why Some Landlords Are Reluctant

It’s not personal, some landlords simply fear rent will not be paid on time or have had a negative experience previously. In most instances, their reluctance is due to myths or misconceptions. For instance, some people think:

  • Benefit tenants are more likely to fall behind with rent.
  • DSS payments take ages to arrive.
  • Insurers or mortgage providers will not accept benefit tenants.

But a peaceful, sincere discussion can clarify such concerns. Convincing landlords to accept DSS begins with establishing trust and demonstrating that you’re a good tenant.

Preparing Before You Discuss with a Landlord

1. Have Your Documents in Hand

Before you reach out, attempt to collect the following:

  • Benefit proof (e.g. Universal Credit statement)
  • Proof of income (if applicable)
  • References from previous landlords (if possible)
  • Guarantor’s details (if required)
  • Identification documents

Having these in hand demonstrates you’re well-organised and keen on renting. It also addresses some of the issues the landlord might be concerned about.

2. Put Yourself in the Landlord’s Shoes

Imagine you’re the landlord. They want to be assured that:

  • The rent will be received on time
  • The property will be maintained
  • There will be no legal or payment problems

By understanding what they are concerned with, you can provide them with reassurance.

Talking to Landlords as a DSS Tenant: What to Say and How to Say It

1. Be Honest From the Start

Don’t try to hide the fact that you’re on benefits. If it comes out later, it may cause problems. Instead, be upfront in a positive way:

“I’m already getting housing benefit under Universal Credit, and my rent is paid out of that. I’ve never been late with a payment, and I keep my home well maintained.”

Being truthful establishes trust. Most landlords will thank you for your honesty.

2. Emphasise Your Strengths as a Tenant

You may not have a regular job, but that does not necessarily make you an irresponsible tenant. Highlight what makes you a good renter:

  • “I’ve always paid rent on time.”
  • “I treat my home with respect.”
  • “I can provide a guarantor if necessary.”
  • “I have a good record with previous landlords.”

Make your reliability overshadow your source of income.

3. Keep It Calm and Respectful

Even if you’re anxious or angry, do your best to remain calm. Being respectful and courteous makes a big difference. You might say:

“I appreciate that some landlords are worried about renting to benefit tenants. I’d be more than happy to clarify how I pay and provide any papers that assist.”

Tips for communicating with landlords are sometimes just common respect. Be clear in what you say, listen attentively, and respond nicely.

DSS Rental Negotiations: Tips for Success

1. Offer Direct Rent Payments

Some landlords worry about delays or missed payments. One way to ease this fear is to offer direct payments from Universal Credit to the landlord.

You can explain:

“I’ve set up my rent to be paid directly to my landlord through Universal Credit. This ensures it’s paid on time every month.”

You can even show proof if it’s already in place or offer to arrange it after signing.

2. Consider Offering a Guarantor

If the landlord still seems unsure, offering a guarantor can help. A guarantor is someone (often a family member) who agrees to cover the rent if you ever can’t pay.

“My father has agreed to be a guarantor and is willing to sign whatever forms you require.”

This provides a further sense of security for the landlord.

3. Propose a Short-Term Agreement First

If the landlord is not sure, offer to begin with a 6-month tenancy. If it works out, you can renew.

“I’d be happy to begin with a short-term lease if that makes you feel more at ease.”

This can relieve the pressure on both parties.

How to Talk During Property Viewings

Meeting face-to-face allows you to make a positive impression. Here are some tips to remember:

  • Dress neatly: You don’t have to be formal, but try to look presentable.
  • Be punctual: Show that you respect the landlord’s time.
  • Ask questions: This shows genuine interest and responsibility.
  • Speak confidently – Be honest, but also proud of your strengths as a tenant.

You can also mention:

“I’m really looking for a place to settle long-term. I’d like to treat the property as my home and keep it in good condition.”

Sometimes the landlord just needs to meet you to feel comfortable.

What to Do If You Face Discrimination

Unfortunately, some landlords still refuse DSS tenants for no valid reason. If that happens, know your rights.

Since 2020, the courts have ruled that blanket bans on DSS tenants are discriminatory under the Equality Act. If you feel you’ve been treated unfairly, you can:

  • Ask for a reason in writing
  • Contact a housing charity (like Shelter or Citizens Advice)
  • Make a formal complaint if needed

You don’t have to accept poor treatment. There are fair landlords out there.

Staying Positive During the Search

Renting on benefits isn’t always easy, but the right home is out there. Don’t let rejection discourage you. Stay prepared, stay polite, and keep trying.

Every conversation is a chance to improve your approach. Learn from it and move forward with more confidence.

A Sample Message to a Landlord

Not sure how to begin a message or phone call? Here’s a simple script to guide you:

Hi [Landlord’s Name],

I’m interested in your property at [Property Address]. I’m currently receiving housing support through Universal Credit, and I’ve set up my rent to be paid directly. I’ve always paid my rent on time and can provide references or a guarantor if needed.

I take pride in being a responsible tenant and would love the chance to view the property.

Please let me know if you’d like to arrange a viewing.

Best regards,
[Your Name]

This message is short, respectful, and reassuring; a good starting point for DSS rental negotiations.

Final Thoughts: Confidence and Clarity Go a Long Way

Talking to landlords as a DSS tenant doesn’t have to be uncomfortable or stressful. The key is to be honest, prepared, and respectful. The more you understand their concerns — and address them clearly; the easier it becomes to have a productive conversation.

Remember: being on benefits doesn’t make you any less deserving of a safe, happy home. Many landlords simply want a tenant who will treat their property with care and pay rent reliably; and that could very well be you.

If you’re looking for a property and want support every step of the way, Find My Move is here to help. Our platform is designed to connect renters with trusted landlords, including those who welcome tenants on benefits. We’re committed to making renting more accessible for everyone, no matter your background or income.

Visit dev1.internetish.xyz/ today to explore properties, get advice, and take the next step towards your new home; with confidence.