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Built for you in partnership with Experian
What is Patch
Patch tracks your rent payments and this builds your Experian Credit Report. Rent Tracking is 100% free.
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We pay the security deposit (up to £4,000) on your new home and in exchange you pay us a small monthly subscription.
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We refund your current security deposit back to you and in exchange you start paying a small monthly subscription to Patch.
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Patch has been built in consultation with the government-backed deposit schemes to build the best renting experience for tenants, agents, and landlords.
Rent Tracking is a new way of boosting your credit history. We track your rent payments to your landlord or agent. If you pay on time, we report this to the credit reference agency Experian and they add this information to your credit report...
Our Rent Tracking service is free to use.
It's very easy.
Your credit history improves each time a new, positive record is added to your credit report such as making a payment on time. Your rent is a now qualifying payment.
You'll start receiving the benefit of Rent Tracking as soon as you sign up. You won't actually be able to view the information in your Experian credit report until around three months after signing up...
Not a problem. It's easy to continue Rent Tracking. Log into your Patch account after you make your last rent payment to your old property and let us know about your new place...
Patch will pay the security deposit on your new home, or send your current deposit back to you, in return for a small monthly subscription.
Yes. We send your landlord or agent a traditional cash deposit. To your landlord, it's the same as if you'd sent the deposit yourself so there's no need to tell your landlord or agent that you're using Patch.
It's simple...
No worries. Your deposit can be preapproved for up to 30 days.
To apply for a Patch Deposit you need to be a UK resident employed with a regular income, hold a UK bank account and be 21 years old or over...
We charge a monthly subscription payment based on your deposit size and overall credit profile...
Yes. If you've got savings locked up in an existing deposit and need them back for an unexpected expense Patch can help.
Because we send a cash deposit directly to your landlord or agent, Patch works with any deposit, on any property, anywhere in the UK.
We can unlock any deposit from £300 to £4,000. The maximum we can offer you within this range depends on your personal details.
We charge a monthly subscription payment based on your deposit size and overall credit profile...
Yes. As long as you pay your individual share of the deposit directly to your landlord or agent, you can apply for a Patch Deposit.
Your Patch Deposit remains valid for 12 months or until your tenancy ends, if earlier...
Tracking your rent is 100% free
Build your Experian Credit History
Benefit from other great Patch services
Signing up takes less than 3 minutes
Welcome to modern renting.
Download our free app and access over 300,000 rental properties from your phone.