Access to rent: deposit loan scheme

Document type
Robson, Brian
Joseph Rowntree Foundation
Date of publication
30 May 2018
Social Policy, Poverty Alleviation Welfare Benefits and Financial Inclusion, Housing and Homelessness
Social welfare
Material type

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A case for the provision of a Government backed affordable loan scheme to enable greater access to the private rented sector.


  • This briefing proposes that the Government should set up a nationwide affordable deposit loan scheme, access to rent, for those on low incomes.
  • Through this scheme the Government would provide dedicated financing to existing bodies such as credit unions, local authorities or other lenders. The latter would provide loans at low‑interest to prospective tenants, based on Government borrowing rates.
  • The total Government borrowing for access to rent equals just 10% of the pledge of a further £10 billion to support the Help to Buy Equity Loan scheme aimed at helping buyers raise a deposit.

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