Applying with a Guarantor: Nova Scotia Tenant Guide

Securing a rental home in Nova Scotia isn’t always easy, especially if you don’t meet all the standard requirements set by landlords. If you’re a student, new to credit, or starting out in Canada, you may be asked to provide a guarantor for your lease agreement. This guide explains what a guarantor is, your rights as a tenant, and how the process works under Nova Scotia law.

What Is a Guarantor and When Is One Needed?

A guarantor is someone—often a parent or trusted adult—who agrees to be responsible for the rent and other obligations if the tenant cannot pay. Landlords in Nova Scotia may request a guarantor if they feel there is risk in approving your application. This is common for tenants with little or no rental history, international students, or those with low income.

• The guarantor signs a separate agreement or is added to the lease contract.
• They may be liable for unpaid rent, damages, or other lease breaches.

It’s important that both tenants and guarantors understand the legal implications before signing any agreement.

Nova Scotia Rental Regulations & Your Rights

In Nova Scotia, rental relationships are governed by the Residential Tenancies Act (R.S.N.S. 1989, c. 401)¹. This Act outlines what landlords can and cannot require when you apply for a rental, and what happens if a guarantor is part of the lease.

The official body that oversees tenant-landlord issues in Nova Scotia is the Residential Tenancies Program run by Service Nova Scotia and Internal Services².

What Can Landlords Request?

• Proof of income, credit checks, or references
• A security deposit up to one half month's rent
• A guarantor if they reasonably believe extra security is needed

However, landlords cannot discriminate based on protected grounds (such as family status or source of income) under Nova Scotia’s Human Rights Act.

How the Guarantor Process Works

When applying with a guarantor in Nova Scotia, the following steps generally take place:

• Both tenant and guarantor receive and review the lease agreement, or landlord may provide a separate "guarantor agreement".
• The landlord may ask for proof of income or identification from the guarantor.
• The guarantor should be given time to understand their legal liability.
• Once both parties sign, the lease is approved.

Key Tips Before Signing

Official Forms You May Encounter

Nova Scotia law doesn’t specifically require a provincial “Guarantor Form” for rentals—tenancies are traditionally documented through the standard lease agreement. However, landlords commonly provide their own guarantor addendum or clause. The primary official forms tenants should be familiar with include:

• Form P: Standard Form of Lease — Lease Agreement (Form P)
  When used: This must be provided for all new residential tenancies. If a guarantor’s information or signature is needed, it’s usually added as an addendum or specific section within this lease.
• Security Deposit Form — If you provide a security deposit as part of your agreement, use the protocol outlined in Form P and review your rights in Understanding Rental Deposits: What Tenants Need to Know.

For other disputes, tenants can apply to the tribunal using the official Application to Director (Form K), for example, if you believe a guarantor is being unfairly pursued for money.

What a Guarantor Is Legally Responsible For

If the tenant misses rent or causes damages, the landlord can seek payment from the guarantor. This liability remains in place until the end of the lease—or until all obligations are fulfilled or released in writing.

Once you sign a lease, both tenant and guarantor have certain rights and duties. Be sure to review Obligations of Landlords and Tenants: Rights and Responsibilities Explained to understand what is expected after move-in.

How to Apply for a Rental with a Guarantor: Step-by-Step

Here are the main steps to apply for a rental with a guarantor in Nova Scotia:

• Contact the landlord or property manager to discuss your situation and confirm if a guarantor will be required.
• Have your chosen guarantor prepare proof of income, ID, and be ready to sign paperwork.
• Both you and your guarantor should carefully review the lease or guarantor agreement.
• Submit completed applications, including any deposit if requested, and ensure you receive copies of everything signed.

It’s also smart to "Browse apartments for rent in Canada" to compare options and understand what different landlords may require for applicants who need guarantors.

Can a Guarantor End Their Obligations?

Usually, the guarantor’s obligation only ends when the lease term concludes, all money owed is settled, or the landlord agrees in writing to release them. If you or your guarantor want to change the agreement, communicate with your landlord and document any new terms in writing.

Where to Learn More About Your Rights

For a comprehensive overview of laws, protections, and duties, visit the official guide: Tenant Rights and Landlord Rights in Nova Scotia.

FAQ: Applying with a Guarantor in Nova Scotia

1. Can my landlord require a guarantor for any reason?
   If the landlord has legitimate reasons (such as limited credit history), they can request a guarantor. They cannot ask for one based on discriminatory reasons.
2. What information can my landlord ask from my guarantor?
   Typically, proof of income (like pay stubs), personal identification, and current address. They cannot ask for unnecessary private information.
3. How do I remove a guarantor from my lease?
   You must request this in writing and obtain your landlord’s agreement. Release is not automatic and must be documented.
4. Is there an official government guarantor form in Nova Scotia?
   No, but the landlord may add a guarantor clause to the standard lease (Form P). Always request a copy for your records.
5. Does the guarantor remain liable if I renew the lease?
   Typically, the obligation continues unless otherwise stated. Review all terms at renewal and discuss with your landlord as needed.

Key Takeaways for Tenants

• A guarantor is common for first-time tenants or those with no credit history in Nova Scotia.
• Both tenants and guarantors should read and understand the lease before signing.
• Know your rights—the Residential Tenancies Act and Service Nova Scotia protect both parties.

In summary, don’t hesitate to seek clarification before agreeing to a guarantor arrangement. Understanding the process gives you better peace of mind and protection in your new home.

Need Help? Resources for Tenants

• Nova Scotia Residential Tenancies Program – Tenant inquiries, applications, and dispute resolution (1-800-670-4357)
• Legal Information Society of Nova Scotia – Free legal information for tenants and guarantors
• Nova Scotia Human Rights Commission – Complaints about discrimination during rental applications
• Learn more about Tenant Rights and Landlord Rights in Nova Scotia

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1. See Nova Scotia, Residential Tenancies Act (R.S.N.S. 1989, c. 401)
2. Residential Tenancies Program, Service Nova Scotia

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