Applying with a Guarantor: Tenant Guide (Newfoundland and Labrador)

Securing a rental can be challenging, especially if you have limited credit history or stable income. In Newfoundland and Labrador, many tenants turn to guarantors to help meet landlord requirements. This guide explains what a guarantor is, the process of applying with one, and your legal protections under local law.

What is a Guarantor and Why Might You Need One?

A guarantor is someone—often a parent, friend, or relative—who agrees to take on legal and financial responsibility if you can't meet your rental obligations. Landlords may require a guarantor for tenants:

• With limited or no rental history
• With unstable or insufficient income
• Who are students or newcomers to Canada

Your guarantor provides extra security for the landlord, assuring them the rent will be paid and damages covered if necessary.

Legal Framework and Who Regulates Tenancies

In Newfoundland and Labrador, residential tenancies are overseen by the Residential Tenancies Office (RTO). All rental relationships, including the use of a guarantor, are governed by the Residential Tenancies Act, 2018^[1].

Both tenants and guarantors have certain rights and responsibilities under this legislation.

How to Apply for a Rental with a Guarantor

When a landlord asks for a guarantor, here’s what you can expect:

• The landlord will typically ask your guarantor to complete a separate form or sign the rental agreement as a co-signer.
• The guarantor may need to provide proof of income, credit information, and identification.

This step shows the landlord your rental payments will be backed by someone with the means to cover them if needed. Always make sure your guarantor understands the full extent of their financial and legal responsibilities.

Key Documents and Forms

• Guarantor Declaration or Agreement: While there is no specific provincial standard form, landlords often create their own, requiring the guarantor to agree to pay any outstanding rent or costs if the tenant cannot. Ensure your guarantor reads all terms before signing.
• Standard Rental Agreement (Form RT200): In most cases, the tenant and sometimes the guarantor sign the main rental agreement. Access the Standard Rental Agreement (PDF). Use this form when entering or renewing a lease (practical example: a student renting an apartment may attach their parent's details as a guarantor on this form).

What Should Tenants and Guarantors Watch Out For?

• Make sure the written agreement exactly states what the guarantor is liable for (e.g., whole term or just missed payments).
• Understand if the guarantor’s obligation ends when a lease renews, or if it’s ongoing.
• Never sign blank documents or agreements that don’t clearly outline the responsibilities.

Rental Deposits and Guarantors

A landlord may ask for a rental deposit even if you have a guarantor, but there are specific rules on Understanding Rental Deposits: What Tenants Need to Know in Newfoundland and Labrador. Review these before paying any deposits.

After Signing Your Lease with a Guarantor

Once the agreement is complete and the guarantor has signed, both parties are legally bound. It’s important for tenants to understand their ongoing rights and duties. For more on what happens after signing, visit What Tenants Need to Know After Signing the Rental Agreement.

Your Rights as a Tenant and as a Guarantor

Both tenants and guarantors have the right to fair treatment and transparent communication from landlords. If a dispute arises, you can apply for resolution at the Residential Tenancies Office.

For a comprehensive look at tenancy law in your province, see Tenant Rights and Landlord Rights in Newfoundland and Labrador.

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Frequently Asked Questions (FAQ)

1. What does a guarantor have to provide for a Newfoundland and Labrador rental?
   Guarantors are generally required to provide proof of income, identification, and sign either a guarantor agreement or the lease itself. Landlords may request information to assess their ability to cover rent and damages if needed.
2. Can a landlord require both a deposit and a guarantor?
   Yes. Landlords can ask for both, as long as the deposit amount follows provincial law. Learn more about this in Understanding Rental Deposits: What Tenants Need to Know.
3. When does a guarantor's responsibility end?
   Unless the agreement states otherwise, a guarantor's liability may last as long as the lease continues. Always check if the responsibility extends into lease renewals or new agreements.
4. Can the same person be a guarantor for multiple tenants?
   Yes, but landlords may consider the guarantor’s financial capacity carefully in these cases.
5. Where do I go if I have a disagreement about my lease or guarantor terms?
   Disputes are handled by the Residential Tenancies Office under the Residential Tenancies Act, 2018.

Key Takeaways

• A guarantor can help you secure a rental if you don’t meet all landlord requirements.
• Always use official forms and make sure obligations are clearly explained.
• If you have concerns, reach out to the Residential Tenancies Office or visit Tenant Rights and Landlord Rights in Newfoundland and Labrador for provincial guidance.

Summary: Applying with a guarantor adds security for landlords but requires clarity and good communication between all parties.

Need Help? Resources for Tenants

• Residential Tenancies Office (RTO)
• Phone: 1-877-829-2608 (toll-free, province-wide)
• Email: landlordtenant@gov.nl.ca
• Official government information, forms, and legislation: NL Residential Tenancies Forms
• For legal support or questions, visit the Public Legal Information Association of NL

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1. Residential Tenancies Act, 2018 (Newfoundland and Labrador)

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