Applying with a Guarantor: Tenant Guide for Northwest Territories

Finding a rental home in the Northwest Territories can sometimes require extra support, especially if you are a student, newcomer, or have limited rental history. Many landlords may request that you apply with a guarantor—someone who agrees to cover rent or damages if you cannot. This guide explains your legal rights and obligations as a tenant applying with a guarantor in the NWT, highlighting the relevant laws, official forms, and useful tips for a smoother rental application process.

What Is a Guarantor and When Is One Needed?

A guarantor is typically a parent, relative, or trusted friend who promises (in writing) to cover your rent or pay for damages if you are unable to do so. Landlords in the Northwest Territories may ask for a guarantor if:

• You have limited or no credit history
• You are new to the rental market or Canada
• Your income does not meet the usual landlord requirements
• You are a student or young adult moving out for the first time

Landlords cannot discriminate against you based on protected grounds such as age, family status, or receipt of social assistance. They can, however, require additional “security” for financial risk, which is where a guarantor may be requested.

How the Process Works: Applying with a Guarantor

Here’s a summary of the typical application process if a guarantor is required in the NWT:

• Rental Application: Complete the landlord’s rental application form. Some may include a section for prospective guarantors to fill out.
• Guarantor Agreement: The landlord may provide a separate guarantor agreement or add a clause in the lease. Always ensure you and your guarantor understand the terms before signing.
• Review of Guarantor’s Information: Landlords may ask for your guarantor’s identification, proof of income, or credit check to assess their ability to cover the rental commitment.
• Signing the Lease: Both you and your guarantor (if applicable) sign the lease agreement, making both parties legally responsible under the terms agreed.

Your rights and obligations as a tenant remain protected under the Residential Tenancies Act (Northwest Territories)¹.

Official Forms and Documents

In the Northwest Territories, rental application and guarantor forms are not standardized by the government. Landlords often create their own forms or use templates, so carefully review all documents before signing. However, the lease or tenancy agreement should always clearly indicate:

• The name and contact information of the guarantor
• The extent and limit of the guarantor’s liability (e.g., full lease term or specific to unpaid rent/damages)
• Terms and conditions for ending the guarantor’s responsibility (typically upon end of tenancy)

Your Rights and Responsibilities When a Guarantor Is Involved

As a tenant, your legal standing does not change by having a guarantor—but both you and your guarantor are responsible for meeting the lease conditions, such as timely rent payment and unit upkeep. If you are unsure about landlord or tenant duties, consult the Obligations of Landlords and Tenants: Rights and Responsibilities Explained.

It is also important to understand the details surrounding security deposits. Learn more about your protections and responsibilities by visiting Understanding Rental Deposits: What Tenants Need to Know.

Relevant Legislation and Where to Get Help

The Residential Tenancies Act (Northwest Territories) governs all rental agreements, including those with guarantors. The Residential Tenancy Office (RTO) is the official tribunal handling disputes, complaints, and tenant questions in the NWT.

For information on broader legal rights, see Tenant Rights and Landlord Rights in Northwest Territories.

Tips for Tenants Applying with a Guarantor

• Carefully review all documents with your guarantor. Ask questions about unclear terms.
• Get a copy of the final, signed lease and any guarantor form for your records.
• Request a written statement from the landlord when your tenancy ends, confirming the guarantor’s release from future liability.
• If you believe a guarantor requirement is discriminatory, seek advice from the Residential Tenancy Office or local tenant advocacy services.

For the latest rental opportunities and to compare listings, Find rental homes across Canada on Houseme.

FAQ: Applying with a Guarantor in the Northwest Territories

1. Can a landlord refuse my application if I do not have a guarantor?
   Landlords can set financial requirements but cannot reject you for reasons that violate human rights laws. If you do not meet the landlord’s criteria and cannot provide a guarantor when requested, your application may be declined, provided the decision is not discriminatory.
2. Is my guarantor responsible forever?
   No. A guarantor’s liability usually lasts only for the original term of the lease or until you (the tenant) have properly moved out and any claims for unpaid rent or damages have been settled. Ask your landlord for written confirmation when the guarantee ends.
3. Does my guarantor need to live in the Northwest Territories?
   There is no law requiring a guarantor to live in the NWT, but landlords often prefer local guarantors for easier contact and enforcement.
4. Are there official guarantor forms in the NWT?
   No government-issued form exists. Landlords use their own version or clause within the lease. Always review it carefully and seek advice if unsure.
5. Can my landlord increase the security deposit if I have a guarantor?
   No. Security deposits in the NWT are regulated by law and cannot exceed one month’s rent. Having a guarantor cannot change this limit.

In Summary: Key Takeaways for Tenants

• Applying with a guarantor is a common way to secure a rental if you lack credit or income history
• Always read all agreements carefully, and clarify the guarantor’s responsibilities
• Your rights are protected by the Residential Tenancies Act—contact the Residential Tenancy Office for help

Use your best judgment, keep records, and seek assistance early if issues arise!

Need Help? Resources for Tenants

• Northwest Territories Residential Tenancy Office (RTO): For forms, disputes, and free information (Toll-free: 1-867-873-7496).
• Residential Tenancies Act (NWT) - Full Legislation
• Local legal clinics and the NWT Legal Aid Commission: Free advice for tenants facing issues
• For Canadian-wide rental guides and listings, check Find rental homes across Canada on Houseme

1. Residential Tenancies Act (Northwest Territories)
2. Residential Tenancy Office - Government of Northwest Territories
3. Northwest Territories Housing Corporation – Renting in the NWT