How to Get a Rental With No Rental History: First Time Guide

How to Get a Rental With No Rental History: A First-Time Guide

Moving out for the first time is an exciting milestone, but renting for the first time can also feel overwhelming—especially if you have no rental history. Many first-time renters worry that living with parents or never having rented before will automatically reduce their chances of securing a property.

Having no rental history is common, particularly for young adults, students, and people relocating for work. With the right preparation, documents, and expectations, it’s possible to put forward a competitive application and better understand what property managers look for.

In this guide, you’ll learn how the rental application process works, what documents are typically required, how to strengthen an application without rental references, and what upfront costs to plan for. This information is designed to help you build practical knowledge and improve your confidence as a first-time renter. We’ll also explain common rental expenses and outline general information about financial options some people explore to manage upfront costs.

Understanding the rental application process

The Australian rental market can be competitive, particularly in metropolitan areas. Property managers may receive many applications for a single listing and generally look for tenants who appear reliable, financially organised, and likely to meet ongoing rent obligations.

For first-time renters, the most common challenge is the absence of rental references. However, not having rental history does not automatically rule you out. Many landlords and agents recognise that everyone starts somewhere.

What property managers often assess includes:

• Evidence of regular income
• Signs of responsible financial behaviour
• Clear communication and reliability
• A complete and well-presented application

A thorough application can sometimes offset the lack of rental history by helping the agent better understand your circumstances.

Documents you need as a first-time renter

Having documents organised in advance can make a meaningful difference, particularly when applications close quickly.

Essential identification

You’ll usually be asked to provide:

• Photo ID such as a driver’s licence, passport, or proof-of-age card
• Medicare card
• Birth certificate (sometimes requested)

Keeping clear digital copies ready can help speed up the application process.

Proof of income

This helps demonstrate your ability to pay rent on an ongoing basis:

• Recent payslips (often the last 2–3 months)
• Employment contract or letter from your employer
• Bank statements showing regular income
• Centrelink income statements, if applicable

If you work casually or part-time, additional bank statements may help provide context.

Employment references

Employment references can be especially valuable if you have no rental history:

• Manager or supervisor contact details
• A brief written reference confirming employment and reliability
• Length of employment and role

Personal references

Personal references may help demonstrate character and responsibility:

• Teachers, coaches, or mentors
• Long-term family friends (excluding immediate family)
• Community or volunteer coordinators

Other helpful documents

These are not always required but may strengthen an application:

• Evidence of savings
• Utility or phone bills in your name
• A rental ledger if you paid board or rent at home
• Character references

Overcoming having no rental history

If you’re learning how to get a rental with no rental history, the goal is to help the landlord understand your situation and reduce uncertainty.

Be upfront and honest

Clearly state that you’re a first-time renter. Transparent communication can help set realistic expectations.

Build a strong application

Focus on the strengths you can demonstrate, such as:

• Consistent income
• Savings or financial buffer
• Positive employment or personal references
• Complete and well-organised documentation

Consider a guarantor

In some cases, a guarantor—often a parent or close relative—may agree to cover rent if required. This can help strengthen an application, though acceptance and legal requirements vary by state and property.

Apply for suitable properties

When starting out, it may help to consider:

• Properties comfortably within your budget
• Rent that is generally no more than around 30% of your income
• Share housing or smaller properties

Building rental history over time can make future applications easier.

Finding and inspecting rental properties

Setting realistic expectations

Flexibility can improve your chances:

• Consider a wider range of suburbs
• Be realistic about size, age, and features
• Prioritise affordability, transport, and location

Attending inspections

Attending inspections in person can help:

• Introduce yourself politely to the agent
• Ask about the application process
• Observe the property carefully

What to check

During inspections, it’s worth noting:

• Doors and windows lock properly
• Appliances appear functional
• Signs of mould or dampness
• Lighting and ventilation
• Water pressure and hot water

Understanding rental agreements and bonds

Residential tenancy agreement (lease)

A lease is a legally binding document. Before signing:

• Read all terms carefully
• Confirm rent amount and payment frequency
• Check lease length and any break fees
• Understand rules around pets and maintenance

If something is unclear, consider seeking independent advice.

What is a bond?

A bond is a security deposit, usually equivalent to four weeks’ rent:

• Lodged with your state or territory bond authority
• Not held directly by the landlord
• May be used for damage beyond fair wear and tear
• Typically refunded at the end of the tenancy if conditions are met

Initial costs to budget for

Upfront costs may include:

• Bond (usually four weeks’ rent)
• Rent in advance (often two to four weeks)
• Moving costs
• Utility connection fees

Understanding these costs can help with budgeting and financial planning before applying.

The condition report

The condition report records the state of the property at move-in and is important for bond claims.

• Review it carefully
• Take photos or videos
• Note even minor issues
• Return it within the required timeframe

Accurate records can help avoid disputes later.

Tips for first-time renters

Before applying

• Organise documents early
• Confirm referees are contactable
• Prepare a short cover note explaining your situation

During application

• Apply promptly
• Complete all sections
• Communicate professionally
• Follow up once, if appropriate

What agents often look for

• Reliable income
• Responsible behaviour
• Clear communication
• A complete application

Need help with bond or moving costs? Meet Credit24

Upfront rental costs can be challenging for some first-time renters. Some people choose to explore credit options to help manage expenses such as bonds or moving costs.

Credit24 provides:

• Personal loans from $500 to $10,000
• Options available to eligible borrowers, including some first-time renters
• Online application process
• Flexible repayment options
• Transparent fee information

Repayments may be made using common Australian payment methods, including OSKO, depending on your bank.

Important: This information is general only and does not consider your personal financial situation. Credit is subject to eligibility criteria, fees, terms, and conditions.

Frequently asked questions

Can I rent with no rental history?
Yes. Many first-time renters secure properties by providing strong income evidence, references, and complete applications.

What if I lived with my parents?
This is common. Employment references, personal references, and proof of financial responsibility can help.

How much money do I need upfront?
Often around 6–8 weeks’ rent, covering bond and rent in advance, depending on state requirements.

Can someone guarantee my rent?
Guarantors are sometimes accepted, though rules vary by state and by property.

What if my application is rejected?
You can ask for feedback, refine your application, and continue applying. Persistence and preparation often help over time.

Disclaimer

IPF Digital Australia Pty Ltd, trading as Credit24, ABN 59 130 894 405. Australian Credit Licence 422839.

The information in this article is general in nature and does not consider your objectives, financial situation, or needs. Lending criteria, fees, and charges apply. For product details, eligibility requirements, and full terms and conditions, visit www.credit24.com.au.